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

Select Health Insurance Plans in Fort Collins, Colorado

For residents of Fort Collins, Colorado, securing comprehensive health insurance is a vital step toward protecting your health and financial well-being. Select Health is a prominent carrier offering various health plans designed to meet the diverse needs of individuals and families in the area. These plans are available through Connect for Health Colorado, the state's official health insurance marketplace, where eligible individuals can also access financial assistance to lower their monthly premiums and out-of-pocket costs. Understanding your options, including plan types, coverage tiers, and subsidy eligibility, is crucial for making an informed decision about your health coverage in Fort Collins.

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What Select Health Plans Are Available in Fort Collins?

Select Health offers a range of Affordable Care Act (ACA) compliant health insurance plans in Fort Collins, accessible via Connect for Health Colorado. These plans generally fall into different metal tiers—Bronze, Silver, Gold, and Platinum—each designed with varying levels of cost-sharing between you and the insurer. Colorado's marketplace, Connect for Health Colorado, provides access to Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plan structures. Importantly, PPO plans ARE available on-exchange in Colorado, offering greater flexibility in choosing healthcare providers. Choosing the right plan involves considering your anticipated healthcare needs, budget, and preferred provider network. Bronze plans typically have lower monthly premiums but higher deductibles and out-of-pocket maximums, making them suitable for those who expect minimal healthcare use or want catastrophic coverage. Silver plans offer a balance of moderate premiums and deductibles, and they are the only plans eligible for Cost-Sharing Reductions (CSRs) for those who qualify based on income. Gold and Platinum plans feature higher premiums but lower deductibles and out-of-pocket costs, ideal for individuals who anticipate frequent medical care.

Understanding Your Eligibility and Financial Assistance in Fort Collins

Many Fort Collins residents qualify for financial assistance, such as premium tax credits and cost-sharing reductions, to make their Select Health plan more affordable. Eligibility for these subsidies is based on household income relative to the Federal Poverty Level (FPL). For 2026, premium tax credits are available to individuals and families earning between 100% and 400% (or more, due to enhanced subsidies) of the FPL. These credits can significantly reduce your monthly premium. Cost-sharing reductions (CSRs) are available for those with incomes up to 250% FPL who enroll in a Silver-tier plan, lowering deductibles, copayments, and out-of-pocket maximums.

Medicaid (Health First Colorado) and CHP+ in Colorado

Colorado expanded its Medicaid program, known as Health First Colorado, in 2014. This means that adults in Fort Collins with household incomes up to 138% of the Federal Poverty Level may qualify for comprehensive, low-cost health coverage. Unlike some states, Colorado does not have a "coverage gap," ensuring that individuals below 100% FPL still have access to affordable care. Additionally, Colorado's Child Health Plan Plus (CHP+) provides coverage for pregnant women with income up to 195% FPL, offering comprehensive prenatal, delivery, and postpartum care. Children in households up to 260% FPL can also qualify for CHP+. Applications for both Health First Colorado and CHP+ can be submitted through Colorado PEAK at colorado.gov/PEAK.

Health Insurance Carriers in Fort Collins

Fort Collins, located in Larimer County, is part of Colorado Rating Area 3. In 2026, 6 carriers offer marketplace plans in this rating area, providing residents with multiple options beyond just Select Health. These carriers include: These carriers offer a variety of plan structures (HMO, EPO, PPO) and metal tiers (Bronze, Silver, Gold, Platinum), allowing Fort Collins residents to compare options and choose the plan that best fits their healthcare needs and budget. The availability of PPO plans on Connect for Health Colorado in Colorado provides additional flexibility for those who prefer broader network access. Larimer County, with a population of 367,368 and an uninsured rate of 5.6%, benefits from robust healthcare infrastructure. The county includes four acute care hospitals: Poudre Valley Hospital and Banner Fort Collins Medical Center in Fort Collins, and Banner North Co Medical Center - Loveland Campus and Medical Center of the Rockies in Loveland. These facilities, including the primary Poudre Valley Hospital in Fort Collins, ensure residents have access to comprehensive medical services. The city of Fort Collins itself has a population of 170,229 and an uninsured rate of 5.4%, per U.S. Census Bureau ACS 2024 5-year estimates.

Making Your Health Plan Decision in Fort Collins

Navigating your health insurance options requires careful consideration of your personal circumstances. Here's a guide to help you decide:
Your Situation Recommended Action
Income up to 138% FPL (e.g., ~$20,120 for an individual in 2026) Apply for Health First Colorado (Medicaid) through Colorado PEAK. You likely qualify for comprehensive, low-cost coverage.
Income 139%-250% FPL (e.g., ~$20,121 - $36,450 for an individual in 2026) Enroll in a Silver-tier plan on Connect for Health Colorado. You'll qualify for significant premium tax credits and valuable Cost-Sharing Reductions (CSRs), lowering your out-of-pocket costs.
Income 251%-400% FPL (e.g., ~$36,451 - $58,320 for an individual in 2026) Explore Bronze, Silver, or Gold plans on Connect for Health Colorado. You'll likely receive premium tax credits to reduce your monthly premiums. Compare deductibles and copays across tiers.
Income above 400% FPL You can still enroll in any marketplace plan through Connect for Health Colorado. While you may not qualify for premium tax credits, you benefit from ACA protections and guaranteed coverage. Consider Bronze or Silver for lower premiums, or Gold/Platinum for lower out-of-pocket costs.
A licensed health insurance producer can provide personalized guidance, help you compare Select Health plans with other carriers in Fort Collins, and assist with the application process on Connect for Health Colorado—all at no cost to you. Their expertise ensures you understand your options and maximize any available financial assistance.

Frequently Asked Questions

Can I get Select Health insurance through Connect for Health Colorado?
Yes, Select Health is one of the six carriers offering plans on Connect for Health Colorado, the state's official marketplace, for residents in Fort Collins and Larimer County in 2026.
What types of plans does Select Health offer in Fort Collins?
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 in Fort Collins. PPO plans are available on-exchange in Colorado.
What is the uninsured rate in Fort Collins, Colorado?
According to U.S. Census Bureau ACS 2024 5-year estimates, Fort Collins has an uninsured rate of 5.4%, which is lower than the national average. This indicates a strong emphasis on health coverage within the city.
How do I apply for Health First Colorado (Medicaid) in Fort Collins?
Residents of Fort Collins can apply for Health First Colorado (Medicaid) through Colorado PEAK at colorado.gov/PEAK. Colorado expanded Medicaid, so adults with income up to 138% of the Federal Poverty Level may qualify for comprehensive, low-cost coverage.

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