Select Health Insurance Plans in Eagle County, Colorado

Updated July 2026 · ColoradoPlanFinder.com — Licensed Health Insurance Producer (NPN #21249133)

Select Health is one of 6 carriers offering health insurance plans in Eagle County for the 2026 plan year.
Eagle County is part of Colorado Rating Area 7, which also includes Grand, Jackson, Routt, and Summit counties.
Colorado residents with incomes up to 138% FPL may qualify for Health First Colorado (Medicaid), while pregnant women may qualify up to 195% FPL.
Average individual unsubsidized premiums for a 30-year-old in Eagle County can range from approximately $400 for Bronze to over $600 for Gold plans per month.

Navigating health insurance options in Eagle County, Colorado, can feel complex, but understanding your choices, especially with a carrier like Select Health, is straightforward. For 2026, residents of Eagle County can find a range of plans, including those from Select Health, through Connect for Health Colorado, the state's official health insurance marketplace. These plans are designed to comply with the Affordable Care Act (ACA), offering comprehensive benefits and financial assistance for eligible individuals and families. Whether you're seeking individual coverage or a family plan, knowing the local options and how subsidies can reduce your costs is key to making an informed decision.

Get Your Free Health Insurance Quote

A licensed agent can compare coverage options for you at no cost.

✓

You're all set!

A licensed agent will reach out shortly.

What Health Insurance Options Are Available in Eagle County?

Residents of Eagle County have several avenues for health insurance coverage, primarily through Connect for Health Colorado. The marketplace offers a variety of plan types, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. PPO plans are indeed available on-exchange in Colorado, unlike some other states, providing greater flexibility in choosing healthcare providers. Financial assistance, in the form of Advance Premium Tax Credits (APTCs) and Cost-Sharing Reductions (CSRs), is crucial for making coverage affordable. APTCs lower your monthly premiums, while CSRs reduce your out-of-pocket costs like deductibles, copayments, and coinsurance, particularly for those who enroll in Silver-tier plans and meet income qualifications. For those with lower incomes, Colorado's expanded Medicaid program, known as Health First Colorado, provides comprehensive, low-cost or no-cost coverage. Adults with income up to 138% of the Federal Poverty Level (FPL) may qualify. Additionally, pregnant women may qualify for Health First Colorado or Child Health Plan Plus (CHP+) if their income is up to 195% FPL, and children up to 260% FPL through CHP+. These programs offer vital support for vulnerable populations in Eagle County.

Health Insurance Carriers in Eagle County

For the 2026 plan year, residents of Eagle County, which is part of Colorado Rating Area 7, have a strong selection of carriers offering plans through Connect for Health Colorado. In 2026, 6 carriers offer marketplace plans in Rating Area 7, which covers Eagle, Grand, Jackson, Routt, Summit counties. These carriers include:

Cigna
Denver Health Medical Plan
HMO Colorado
Kaiser Permanente
Select Health
United Healthcare

When choosing a plan, it's essential to compare not only the premiums but also the network of doctors and hospitals, the deductible, copayments, and the overall out-of-pocket maximum. Select Health, like other carriers, will offer various plans across different metal tiers (Bronze, Silver, Gold, Platinum), each designed to meet different financial and healthcare needs. Eagle County's population of 55,135, with a median income of $104,096 and an uninsured rate of 10.9% (per U.S. Census Bureau ACS 2024 5-year estimates), relies on these carriers for access to care. The county is served by Vail Health Hospital in Vail, which is an important acute care facility for local residents. When selecting a Select Health plan or any other carrier, confirm that your preferred providers and facilities, including Vail Health Hospital, are within the plan's network.

Understanding Select Health Plans and Subsidies

Select Health offers a variety of health plans designed to fit different budgets and healthcare needs. The specific plans available in Eagle County for 2026 will be detailed on Connect for Health Colorado. When considering a Select Health plan, understanding how subsidies work is crucial for managing costs.

Federal Poverty Level (FPL) %	Coverage Type	Key Benefit
Below 138% FPL	Health First Colorado (Medicaid)	Low-cost or no-cost comprehensive coverage.
100% - 400% FPL	Marketplace Plans (ACA)	Eligible for Advance Premium Tax Credits (APTCs) to reduce premiums.
150% - 250% FPL	Silver Marketplace Plans	Eligible for Cost-Sharing Reductions (CSRs) to lower deductibles, copays, and out-of-pocket maximums.
195% FPL (Pregnant Women)	Health First Colorado / CHP+	Comprehensive prenatal, delivery, and postpartum care.
260% FPL (Children)	Child Health Plan Plus (CHP+)	Low-cost comprehensive coverage for children.

For individuals and families whose income falls within 100% and 400% of the FPL, APTCs can significantly reduce the monthly premium for a Select Health plan. If your income is between 150% and 250% FPL, enrolling in a Silver-tier plan will also make you eligible for CSRs, which enhance the plan's benefits by reducing your out-of-pocket costs. It's important to apply through Connect for Health Colorado to determine your exact subsidy eligibility.

Making the Right Choice for Your Health Coverage

Choosing the right health insurance plan, whether from Select Health or another carrier, requires careful consideration of your healthcare needs, budget, and access to preferred providers. Here are key steps to guide your decision in Eagle County:

Assess Your Needs: Consider how often you expect to use medical services, if you have chronic conditions, and if you have preferred doctors or specialists.
Compare Metal Tiers:
- Bronze plans have low premiums but high deductibles, suitable for those who rarely visit the doctor.
- Silver plans offer moderate premiums and deductibles, and are the only plans eligible for Cost-Sharing Reductions if you qualify.
- Gold plans have higher premiums but lower deductibles and out-of-pocket costs, ideal for those who anticipate frequent medical care.
Check Networks: Verify that your doctors, specialists, and facilities like Vail Health Hospital are in-network with the specific Select Health plan you are considering. Out-of-network care can be significantly more expensive.
Understand Subsidies: Apply through Connect for Health Colorado to see if you qualify for premium tax credits or cost-sharing reductions. These can make a substantial difference in the affordability of your plan.
Consider Medicaid (Health First Colorado): If your income is below 138% FPL, explore Health First Colorado for comprehensive, low-cost coverage.

A licensed health insurance producer can provide personalized guidance, helping you compare plans from Select Health and other carriers, understand your subsidy eligibility, and enroll in the best plan for your unique situation, all at no cost to you.

Frequently Asked Questions

Does Select Health offer plans on Connect for Health Colorado?

Yes, Select Health is one of 6 confirmed carriers offering marketplace plans in Colorado's Rating Area 7 for the 2026 plan year, including Eagle County. You can enroll in a Select Health plan through Connect for Health Colorado during Open Enrollment or a Special Enrollment Period.

What types of plans does Select Health offer in Eagle County?

In Eagle County, marketplace plans from carriers like Select Health typically include Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) structures. The specific plan types offered by Select Health may vary, so it's important to review their 2026 offerings on Connect for Health Colorado.

Can I get a subsidy for a Select Health plan in Eagle County?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for Advance Premium Tax Credits (APTCs) to lower your monthly premiums for any marketplace plan, including those from Select Health. Cost-Sharing Reductions (CSRs) are also available for those with incomes up to 250% FPL, reducing out-of-pocket costs on Silver plans.

What hospitals are in Eagle County for Select Health members?

Eagle County has one acute care hospital, Vail Health Hospital in Vail. While Select Health plans aim to provide local network access, it is crucial to verify that Vail Health Hospital and any preferred doctors are in-network with your specific Select Health plan before enrolling to ensure coverage for services.