Select Health Insurance Plans in Erie, Colorado
- Select Health is one of six carriers offering health insurance plans on the Connect for Health Colorado marketplace in Erie's Rating Area 4 for 2026.
- Erie residents may qualify for subsidies (Premium Tax Credits) to lower monthly premiums for Select Health plans, based on income thresholds up to 400% FPL.
- Colorado's marketplace, Connect for Health Colorado, offers a choice of HMO, EPO, and PPO plan types, including options from Select Health.
- Individuals and families in Erie with income below 138% FPL may qualify for Health First Colorado (Medicaid), offering comprehensive coverage at little to no cost.
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What Select Health Plans Are Available in Erie?
Select Health is one of the key health insurance carriers serving Erie residents through Connect for Health Colorado, the state's official marketplace. For the 2026 plan year, Select Health offers a variety of plans in Rating Area 4, which includes Erie and the rest of Weld County. These plans are available across different metal tiers—Bronze, Silver, Gold, and Platinum—each designed to balance monthly premiums with out-of-pocket costs like deductibles, copayments, and coinsurance. Colorado's marketplace is unique in that it offers a full spectrum of plan types: HMO, EPO, and PPO. This means that when considering Select Health or any other carrier, you can choose a plan structure that aligns with your preference for provider networks and referral requirements. Select Health, like other carriers, will offer plans that adhere to the Affordable Care Act (ACA) guidelines, ensuring coverage for essential health benefits, including doctor visits, hospital care, prescription drugs, and maternity care, without lifetime limits. Erie, with a population of 33,808 and an uninsured rate of 2.9% per U.S. Census Bureau ACS 2024 5-year estimates, is part of Weld County, which has two acute care hospitals: Banner North Colorado Medical Center and Uchealth Greeley Hospital, both located in Greeley. When selecting a Select Health plan, it's important to verify if your preferred doctors and hospitals, such as these, are in the plan's network.Understanding Subsidies and Financial Assistance in Erie
Many Erie residents can significantly reduce the cost of their health insurance through financial assistance available on Connect for Health Colorado. These subsidies, known as Premium Tax Credits, are designed to make coverage more affordable. Eligibility is primarily based on your household income relative to the Federal Poverty Level (FPL). For 2026, individuals and families in Erie with household incomes between 100% and 400% of the FPL may qualify for Premium Tax Credits, which can be used to lower your monthly premium for a Select Health plan or any other marketplace plan. Additionally, those with incomes up to 250% FPL may also be eligible for Cost-Sharing Reductions (CSRs) if they enroll in a Silver-tier plan. CSRs reduce your out-of-pocket costs like deductibles, copayments, and coinsurance, making Silver plans particularly valuable for eligible individuals. Colorado expanded Medicaid in 2014, and its program, Health First Colorado, provides comprehensive health coverage at little to no cost for adults with incomes up to 138% FPL. Unlike some states, Colorado does not have a "coverage gap," meaning residents below 100% FPL can still access affordable healthcare through Medicaid. Pregnant women in Colorado may qualify for Child Health Plan Plus (CHP+) up to 195% FPL, and children up to 260% FPL. Applications for these programs can be submitted through Colorado PEAK at colorado.gov/PEAK.| Household Size | 100% FPL (Medicaid/Subsidy Floor) | 138% FPL (Medicaid Expansion Ceiling) | 250% FPL (CSR Eligibility) | 400% FPL (Subsidy Ceiling) |
|---|---|---|---|---|
| 1 | $15,060 | $20,783 | $37,650 | $60,240 |
| 2 | $20,440 | $28,207 | $51,100 | $81,760 |
| 3 | $25,820 | $35,631 | $64,550 | $103,280 |
| 4 | $31,200 | $43,056 | $78,000 | $124,800 |
| Add'l Person | +$5,380 | +$7,424 | +$13,450 | +$21,520 |
| Figures are estimates based on 2023 FPL, adjusted for 2026. Actual 2026 FPL will be released in early 2026. | ||||
Health Insurance Carriers in Erie
Erie is part of Colorado's Rating Area 4, which is a single-county rating area encompassing all of Weld County. For the 2026 plan year, residents in this rating area, including Erie, have a robust selection of health insurance carriers offering plans through Connect for Health Colorado. In 2026, 6 carriers offer marketplace plans in Rating Area 4. These carriers provide a competitive environment, leading to a variety of plan options and price points. The confirmed carriers for Erie's Rating Area 4 are:- Cigna
- Denver Health Medical Plan
- HMO Colorado
- Kaiser Permanente
- Select Health
- United Healthcare
Choosing the Right Select Health Plan in Erie
Selecting a health insurance plan, whether from Select Health or another carrier, involves evaluating several factors beyond just the monthly premium. Consider the following:- Network Size and Type: Do you prefer an HMO, EPO, or PPO? An HMO typically requires you to choose a primary care provider (PCP) and get referrals for specialists, while PPOs offer more flexibility to see out-of-network providers for a higher cost. Verify that your preferred doctors, specialists, and facilities, such as Banner North Colorado Medical Center or Uchealth Greeley Hospital, are in the plan's network.
- Metal Tier (Bronze, Silver, Gold, Platinum):
- Bronze plans have the lowest premiums but the highest out-of-pocket costs. They are suitable if you expect minimal medical care.
- Silver plans have moderate premiums and out-of-pocket costs. They are the only plans eligible for Cost-Sharing Reductions (CSRs) if you qualify, making them a strong value for many.
- Gold and Platinum plans have higher premiums but lower out-of-pocket costs. They are ideal if you anticipate frequent medical care or have ongoing health conditions.
- Deductible, Copayments, and Coinsurance: Understand how much you'll pay before your insurance starts covering costs, and what your share will be for doctor visits and other services.
- Prescription Drug Coverage: Check the plan's formulary to ensure your medications are covered and understand their cost.
- Overall Value: Consider the total expected costs, including premiums and potential out-of-pocket expenses, against the benefits and network access each plan provides.
Frequently Asked Questions
Does Select Health offer PPO plans in Erie, Colorado?
Yes, Select Health offers PPO (Preferred Provider Organization) plans on the Connect for Health Colorado marketplace in Erie. Colorado marketplace shoppers can choose from HMO, EPO, and PPO plan structures.
Can I get a subsidy for a Select Health plan in Erie?
Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for subsidies (Premium Tax Credits) to help reduce the cost of a Select Health plan purchased through Connect for Health Colorado. Individuals and families with income below 138% FPL may qualify for Health First Colorado (Medicaid).
How many health insurance carriers are available in Erie's Rating Area 4?
In 2026, six carriers offer marketplace plans in Erie's Rating Area 4, including Select Health, Cigna, Denver Health Medical Plan, HMO Colorado, Kaiser Permanente, and United Healthcare. This provides a range of options for residents to compare.
Where can I apply for health insurance in Erie?
Erie residents can apply for health insurance through Connect for Health Colorado, the state's official health insurance marketplace. You can also work with a licensed health insurance producer who can help you compare plans, check for subsidies, and enroll at no additional cost.