Select Health Insurance Plans in Delta County, Colorado
- Select Health is one of 6 carriers offering marketplace plans in Delta County, Colorado for the 2026 plan year.
- Delta County is part of Colorado Rating Area 6, which also covers Garfield, Mesa, Moffat, Pitkin, Rio Blanco counties.
- Colorado residents with incomes up to 400% FPL may qualify for subsidies on Connect for Health Colorado, the state exchange.
- Adults in Delta County with incomes up to 138% FPL may qualify for Health First Colorado (Medicaid).
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What Health Insurance Options Does Select Health Offer in Delta County?
In Delta County, Select Health provides comprehensive health insurance coverage through Connect for Health Colorado. Colorado's marketplace offers a variety of plan types, including Health Maintenance Organizations (HMOs), Exclusive Provider Organizations (EPOs), and Preferred Provider Organizations (PPOs). Unlike some states, PPO plans are available on-exchange in Colorado, giving consumers more flexibility in choosing their doctors and hospitals. Select Health plans typically cover essential health benefits, including doctor visits, prescription drugs, hospitalization, and preventive care. Eligibility for financial assistance, such as Advanced Premium Tax Credits (APTCs) and Cost-Sharing Reductions (CSRs), is determined by household income relative to the Federal Poverty Level (FPL). For 2026, individuals and families earning between 100% and 400% FPL may qualify for subsidies that significantly reduce monthly premiums.Understanding Health First Colorado (Medicaid) in Delta County
Colorado expanded its Medicaid program, known as Health First Colorado, in 2014. This means that adults in Delta County with household incomes up to 138% of the Federal Poverty Level may qualify for low-cost or no-cost health coverage. Health First Colorado provides comprehensive benefits, including doctor visits, prescription drugs, mental health services, and hospital care. For pregnant women, Colorado's Child Health Plan Plus (CHP+) covers those with incomes up to 195% FPL, offering extensive prenatal, delivery, and postpartum care. Children in households up to 260% FPL are also eligible for CHP+ coverage. Applications for Health First Colorado and CHP+ can be submitted through Colorado PEAK at colorado.gov/PEAK. Delta County, part of Colorado Rating Area 6, which covers Delta, Garfield, Mesa, Moffat, Pitkin, Rio Blanco counties, has a population of 31,598, with a median income of $57,774. The county's uninsured rate stands at 12.0%, per U.S. Census Bureau ACS 2024 5-year estimates. Residents rely on facilities such as Delta County Memorial Hospital for acute care services.Health Insurance Carriers in Delta County
For the 2026 plan year, residents of Delta County have 6 confirmed carriers offering marketplace health insurance plans in Rating Area 6. These carriers provide a range of options across different metal tiers (Bronze, Silver, Gold, Platinum) and plan types (HMO, EPO, PPO). The confirmed carriers for Delta County's Rating Area 6 are:- Cigna
- Denver Health Medical Plan
- HMO Colorado
- Kaiser Permanente
- Select Health
- United Healthcare
How to Choose the Right Health Plan in Delta County
Selecting the best health insurance plan in Delta County depends on several factors, including your income, health needs, and preferred doctors. Here's a guide to help you decide:| Income Level (as % FPL) | Recommendation | Key Benefit |
|---|---|---|
| Below 138% FPL | Apply for Health First Colorado (Medicaid) | Low-cost or no-cost comprehensive coverage |
| 100% - 250% FPL | Consider Silver plans with Cost-Sharing Reductions (CSRs) | Lower deductibles, copays, and out-of-pocket maximums in addition to premium tax credits |
| 250% - 400% FPL | Evaluate Bronze, Silver, or Gold plans with Premium Tax Credits | Significant premium reductions, choice based on desired balance of monthly cost vs. out-of-pocket expenses |
| Above 400% FPL | Compare Bronze, Silver, Gold, and Platinum plans | No premium tax credits, but full access to marketplace plans; Gold and Platinum plans offer lower out-of-pocket costs for higher premiums |
Frequently Asked Questions
Is Select Health available in Delta County, Colorado?
Yes, Select Health is one of 6 confirmed carriers offering marketplace health insurance plans in Delta County, Colorado for the 2026 plan year. Delta County is part of Colorado Rating Area 6.
What types of plans does Select Health offer in Colorado?
In Colorado, Select Health and other carriers on Connect for Health Colorado offer HMO, EPO, and PPO plans. PPO plans are available on-exchange, providing more flexibility in choosing providers.
How do I apply for Select Health plans in Delta County?
You can apply for Select Health plans and other marketplace options through Connect for Health Colorado, the state's official health insurance exchange. Financial assistance, including premium tax credits and cost-sharing reductions, is available based on your household income.
Can I get help paying for a Select Health plan?
Yes, individuals and families in Delta County with incomes between 100% and 400% of the Federal Poverty Level (FPL) may qualify for premium tax credits to lower their monthly premiums. Those below 138% FPL may qualify for Health First Colorado (Medicaid).