Can I get a Select Health plan in Firestone, Colorado?

Yes, Select Health is one of 6 carriers offering plans on Connect for Health Colorado in Rating Area 4, which includes Firestone. You can explore their plan options and compare them with other available carriers through the state marketplace.

What types of plans does Select Health offer in Firestone?

Select Health, like other carriers on Connect for Health Colorado, offers various plan types including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. Specific plan availability depends on your exact location and the current plan year.

Am I eligible for financial assistance to lower my Select Health premiums?

Many Firestone residents qualify for subsidies through Connect for Health Colorado. Eligibility for premium tax credits and cost-sharing reductions is based on your household income relative to the Federal Poverty Level. For example, a single person earning up to $58,320 in 2026 may qualify for significant assistance.

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

Select Health Insurance Plans in Firestone, Colorado

Select Health is one of 6 confirmed carriers offering marketplace plans in Firestone's Rating Area 4 for 2026.
Firestone residents can enroll in Select Health plans through Connect for Health Colorado, the state's official marketplace.
Colorado's expanded Medicaid program, Health First Colorado, covers individuals up to 138% of the Federal Poverty Level.
PPO, HMO, and EPO plans are all available on-exchange for Firestone residents, offering diverse network options.

Navigating health insurance options in Firestone, Colorado, includes exploring plans from carriers like Select Health. For 2026, Select Health is a confirmed participant in Connect for Health Colorado, the state's official health insurance marketplace, serving residents in Firestone and the broader Weld County area. This means you can compare Select Health plans alongside offerings from other carriers, potentially qualifying for financial assistance to reduce your monthly premiums and out-of-pocket costs. Understanding your choices, including plan types and local provider networks, is key to selecting coverage that meets your healthcare needs and budget.

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How to Find Select Health Plans in Firestone

To find and enroll in a Select Health plan in Firestone, you will use Connect for Health Colorado. This state-based marketplace allows you to compare various health insurance plans, check your eligibility for subsidies, and enroll in coverage during the annual Open Enrollment Period or if you experience a qualifying life event. Plans available through the marketplace are compliant with the Affordable Care Act (ACA), meaning they cover essential health benefits, pre-existing conditions, and preventive care at no extra cost. When searching for plans, you'll enter your Firestone ZIP code (e.g., 80504) to see all options specific to Rating Area 4. The marketplace interface allows you to filter by carrier, plan type (HMO, EPO, PPO), metal tier (Bronze, Silver, Gold, Platinum), and estimated costs after subsidies. A licensed agent can also help you navigate these options at no additional cost, ensuring you understand the benefits and limitations of each plan.

Understanding Your Health Insurance Options in Firestone

Firestone residents have access to a range of health insurance plan types through Connect for Health Colorado. Unlike some other states, Colorado's marketplace, Connect for Health Colorado, includes PPO plans alongside HMO and EPO options. This provides greater flexibility for those who prefer out-of-network coverage or do not want to choose a primary care provider to manage referrals.

Plan Metal Tiers:

Health insurance plans on the marketplace are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers reflect the percentage of healthcare costs the plan is expected to cover versus what you pay out-of-pocket:

Bronze plans: Cover approximately 60% of costs, with you paying 40%. They have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. Best for those who expect minimal healthcare use.
Silver plans: Cover approximately 70% of costs, with you paying 30%. These are popular because they offer a balance between premiums and out-of-pocket costs. Crucially, if you qualify for cost-sharing reductions (CSRs), Silver plans provide enhanced benefits, lowering your deductibles, copayments, and out-of-pocket maximums.
Gold plans: Cover approximately 80% of costs, with you paying 20%. They have higher monthly premiums than Bronze or Silver but lower deductibles and out-of-pocket maximums. Ideal for those who anticipate regular healthcare needs.
Platinum plans: Cover approximately 90% of costs, with you paying 10%. These plans have the highest monthly premiums but the lowest out-of-pocket costs when you need care.

Financial Assistance and Medicaid in Colorado:

Many Firestone residents qualify for financial help to make health insurance more affordable. This assistance comes in two main forms:

Premium Tax Credits (Subsidies): These reduce your monthly premium payments. Eligibility is based on your household income and family size. For example, a single individual in Firestone earning up to $58,320 (400% of the Federal Poverty Level for 2026) may qualify for significant premium tax credits.
Cost-Sharing Reductions (CSRs): These reduce your out-of-pocket costs like deductibles, copayments, and coinsurance. CSRs are only available with Silver plans and are for individuals and families with incomes up to 250% of the Federal Poverty Level.

Colorado has expanded its Medicaid program, known as Health First Colorado. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive healthcare coverage at little to no cost. For pregnant women, Health First Colorado and the Child Health Plan Plus (CHP+) program cover those with incomes up to 195% FPL, providing extensive prenatal, delivery, and postpartum care. Children in households up to 260% FPL can also qualify for CHP+. You can apply for these programs through Colorado PEAK (colorado.gov/PEAK).

Health Insurance Carriers in Firestone

For 2026, 6 carriers offer marketplace plans in Rating Area 4, which includes Firestone, Colorado. This provides Firestone residents with a variety of choices when selecting a health insurance plan through Connect for Health Colorado. The confirmed carriers for this rating area are:

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

When comparing plans from these carriers, consider their network of doctors and hospitals, specific plan benefits, drug formularies, and customer service ratings. Weld County, which includes Firestone, is served by major healthcare providers such as Banner North Colorado Medical Center and Uchealth Greeley Hospital, both located in Greeley. It is important to verify that your preferred doctors and any necessary specialists are in-network with the plan you choose.

Choosing the Right Plan for You in Firestone

Selecting the best health insurance plan in Firestone involves evaluating your healthcare needs, budget, and eligibility for financial assistance. Weld County's population of 350,396, with a median income of $97,097 and an uninsured rate of 8.0% (per U.S. Census Bureau ACS 2024 5-year estimates), indicates a diverse range of needs and financial situations among residents. Consider these steps to make an informed decision:

Assess Your Healthcare Needs: If you visit the doctor frequently, take prescription medications, or anticipate significant medical expenses, a Gold or Platinum plan with lower out-of-pocket costs may be more cost-effective despite higher premiums. If you are generally healthy and prefer lower monthly payments, a Bronze or high-deductible Silver plan might be suitable.
Calculate Your Potential Subsidies: Use the Connect for Health Colorado website or consult with a licensed agent to accurately estimate your premium tax credits and cost-sharing reductions. These can significantly reduce the actual cost of your coverage.
Review Provider Networks: Ensure that your current doctors, specialists, and preferred hospitals (like Banner North Colorado Medical Center or Uchealth Greeley Hospital) are in-network for any plan you consider. HMO plans typically require you to stay within their network, while PPO plans offer more flexibility.
Understand Plan Types: Decide if an HMO, EPO, or PPO plan best fits your needs for doctor choice and referral requirements. Firestone residents have the advantage of PPO options being available on-exchange in Colorado.
Compare Across Carriers: Don't limit your search to just one carrier. Compare plans from all 6 available carriers in Rating Area 4, including Select Health, Cigna, and Kaiser Permanente, to find the best value and coverage.

Frequently Asked Questions

Can I enroll in a Select Health plan outside of Open Enrollment?

Generally, you can only enroll in a health insurance plan during the annual Open Enrollment Period. However, certain life events, such as losing other coverage, getting married, having a baby, or moving to Firestone, may qualify you for a Special Enrollment Period (SEP). You typically have 60 days from the event to enroll.

What is Connect for Health Colorado?

Connect for Health Colorado is the official state-based health insurance marketplace for Colorado residents. It's where individuals and families can compare health plans from various carriers, determine their eligibility for financial assistance, and enroll in coverage that meets the Affordable Care Act (ACA) standards.

Does Firestone's Rating Area 4 include other counties?

No, Firestone is located in Weld County, which constitutes a single-county rating area for health insurance purposes. This means that plans and rates offered in Firestone are specific to Weld County and Rating Area 4.

What if my income is too low for marketplace subsidies but too high for Medicaid?

In Colorado, if your income is below 138% of the Federal Poverty Level, you likely qualify for Health First Colorado (Medicaid), as Colorado is an expansion state. There isn't a "coverage gap" like in non-expansion states. If your income is above the Medicaid threshold, you may qualify for significant premium tax credits on Connect for Health Colorado, potentially making even a zero-premium Bronze plan affordable.