Select Health Insurance Options in Elbert County, Colorado for 2026
- Select Health is one of six carriers offering marketplace health plans in Elbert County for the 2026 plan year.
- Elbert County is part of Colorado Rating Area 9, which includes 28 other counties, ensuring broad carrier availability.
- Colorado's expanded Medicaid, Health First Colorado, covers adults up to 138% of the Federal Poverty Level (FPL).
- Residents of Elbert County, with a population of 27,874, may need to travel to neighboring counties for acute care as there are no acute care hospitals within the county.
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 Types of Select Health Plans Are Available in Elbert County?
In Elbert County, as part of Colorado Rating Area 9, Select Health offers plans through Connect for Health Colorado. Colorado is an expansion state, and its marketplace offers a variety of plan types, including Health Maintenance Organizations (HMOs), Exclusive Provider Organizations (EPOs), and Preferred Provider Organizations (PPOs). This means you have flexibility in choosing a plan structure that best fits your needs and preferences for provider networks. When considering a Select Health plan, it's important to evaluate the plan type, network of doctors and hospitals, deductibles, copayments, and out-of-pocket maximums. Plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum, indicating the cost-sharing balance between you and the insurer. Bronze plans typically have lower monthly premiums but higher out-of-pocket costs when you use care, while Gold and Platinum plans have higher premiums but lower costs for services. Silver plans offer a good balance and are the only tier eligible for Cost-Sharing Reductions (CSRs) for those who qualify.Understanding Financial Assistance and Eligibility in Elbert County
Many Elbert County residents can significantly lower their health insurance costs through financial assistance available via Connect for Health Colorado. These subsidies, primarily Advance Premium Tax Credits (APTCs) and Cost-Sharing Reductions (CSRs), make coverage more affordable.Advance Premium Tax Credits (APTCs)
APTCs reduce your monthly health insurance premiums. Eligibility is based on your household income relative to the Federal Poverty Level (FPL). In Colorado, individuals and families with incomes between 100% and 400% FPL typically qualify for APTCs. The exact amount you receive depends on your income, household size, and the cost of the benchmark Silver plan in your area.Cost-Sharing Reductions (CSRs)
CSRs reduce the amount you pay out-of-pocket for deductibles, copayments, and coinsurance. To qualify for CSRs, your income must be between 100% and 250% FPL, and you must enroll in a Silver-tier plan. These reductions can make a significant difference in the total cost of your healthcare, especially if you anticipate needing regular medical care.Medicaid (Health First Colorado) and CHP+
Colorado expanded Medicaid in 2014, and the program is known as Health First Colorado. Adults with household incomes up to 138% FPL qualify for comprehensive health coverage at little to no cost. This is a crucial safety net for many residents. For pregnant women, Health First Colorado covers those up to 138% FPL. The Child Health Plan Plus (CHP+) program extends coverage to pregnant women with incomes up to 195% FPL, offering comprehensive prenatal, delivery, and postpartum care. CHP+ also covers children in households up to 260% FPL. Applications for these programs can be submitted through Colorado PEAK (colorado.gov/PEAK). Elbert County's population of 27,874 has a median income of $132,685 and an uninsured rate of 5.1%, per U.S. Census Bureau ACS 2024 5-year estimates. This county is part of Colorado Rating Area 9, which covers Alamosa, Baca, Bent, Chaffee, Cheyenne, Clear Creek, Conejos, Costilla, Crowley, Custer, Elbert, Fremont, Gilpin, Huerfano, Kiowa, Kit Carson, Lake, Las Animas, Lincoln, Logan, Morgan, Otero, Park, Phillips, Prowers, Pueblo, Sedgwick, Washington, Yuma counties. Residents needing acute care travel to neighboring counties, as Elbert County has no acute care hospitals within its boundaries.Health Insurance Carriers in Elbert County
In 2026, six carriers offer marketplace plans in Rating Area 9, which includes Elbert County. This provides residents with a variety of choices beyond just Select Health. It's advisable to compare plans from multiple carriers to find the best fit for your healthcare needs and budget. The confirmed carriers offering marketplace plans in Elbert County for 2026 are:- Cigna
- Denver Health Medical Plan
- HMO Colorado
- Kaiser Permanente
- Select Health
- United Healthcare
Making Your Health Insurance Decision in Elbert County
Choosing the right health insurance plan for 2026 in Elbert County involves several steps, from understanding your options to utilizing available financial assistance.| Income Level (Approx. Single Individual 2026) | Recommended Action | Key Benefit |
|---|---|---|
| Up to $20,782 (138% FPL) | Apply for Health First Colorado (Medicaid) | Comprehensive coverage with little to no cost. |
| $20,783 - $37,845 (139%-250% FPL) | Enroll in a Silver plan on Connect for Health Colorado | Eligible for significant Advance Premium Tax Credits (APTCs) and Cost-Sharing Reductions (CSRs). |
| $37,846 - $60,552 (251%-400% FPL) | Enroll in any metal tier plan on Connect for Health Colorado | Eligible for Advance Premium Tax Credits (APTCs) to lower premiums. |
| Above $60,552 (400% FPL) | Explore all metal tier plans on Connect for Health Colorado | No subsidies, but can still find competitive plans and benefits. |
Frequently Asked Questions
Are PPO plans available on the marketplace in Elbert County, Colorado?
Yes, PPO plans are available on the Connect for Health Colorado marketplace in Elbert County. Shoppers can choose from HMO, EPO, and PPO structures in Rating Area 9.
What is the income limit for Medicaid (Health First Colorado) in Elbert County?
In Colorado, adults with income up to 138% of the Federal Poverty Level (FPL) may qualify for Health First Colorado (Medicaid). For a single individual in 2026, this threshold is approximately $20,782 annually.
How many health insurance carriers offer plans in Elbert County for 2026?
For 2026, six carriers offer marketplace health insurance plans in Rating Area 9, which includes Elbert County. These carriers are Cigna, Denver Health Medical Plan, HMO Colorado, Kaiser Permanente, Select Health, and United Healthcare.
Can I get a subsidy to lower my Select Health premiums in Elbert County?
Yes, if your household income is between 100% and 400% of the Federal Poverty Level, you may qualify for Advance Premium Tax Credits (APTCs) to lower your monthly premiums for Select Health plans purchased through Connect for Health Colorado. Cost-sharing reductions are also available for those with incomes up to 250% FPL who choose Silver plans.