Select Health Health Insurance in Fountain, Colorado
- Select Health is one of 6 carriers offering marketplace plans in Fountain's Rating Area 5 for 2026.
- Fountain residents can choose from HMO, EPO, and PPO plans on Connect for Health Colorado, with PPOs available on-exchange.
- Individuals and families up to 400% of the Federal Poverty Level may qualify for significant subsidies to reduce premium costs.
- Colorado's Medicaid program, Health First Colorado, covers adults with incomes up to 138% FPL, and pregnant women up to 195% FPL.
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What Are Your Health Insurance Options with Select Health in Fountain?
As a resident of Fountain, you have access to Select Health plans through Connect for Health Colorado. When exploring plans, you'll encounter different types of coverage structures, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. Colorado is one of the states where PPO plans are available on-exchange, giving you more flexibility in choosing providers without needing a referral for specialists. Select Health, along with other carriers, offers these choices within Rating Area 5, which covers El Paso and Teller counties. Your choice will depend on your preferred balance of cost, network flexibility, and coverage for local hospitals and doctors.Understanding Financial Assistance for Select Health Plans
The cost of health insurance can be a significant concern, but many Fountain residents qualify for financial assistance. Through Connect for Health Colorado, subsidies are available in two main forms:- Premium Tax Credits: These credits reduce your monthly premium payment. Eligibility is based on your household income, with individuals and families earning between 100% and 400% of the Federal Poverty Level (FPL) typically qualifying.
- Cost-Sharing Reductions (CSRs): Available to those with incomes between 100% and 250% FPL, CSRs lower your out-of-pocket costs like deductibles, copayments, and coinsurance. To receive CSRs, you must enroll in a Silver-tier plan.
Select Health and Local Healthcare in Fountain
Select Health plans provide access to a network of healthcare providers and facilities within El Paso County. Fountain, with a population of 29,300 and a median age of 30.0 years per U.S. Census Bureau ACS 2024 5-year estimates, relies on the broader El Paso County for its acute care needs. The county is home to 6 hospitals, including major systems like UCHealth Memorial Health System and Centura Health-Penrose St. Francis Health Services, both located in nearby Colorado Springs. When choosing a Select Health plan, it is important to verify that your preferred doctors and any necessary specialists or hospitals are part of the plan's network, especially if you have existing relationships with providers at facilities like UCHealth Memorial Health System.Health Insurance Carriers in Fountain
In 2026, 6 carriers offer marketplace plans in Rating Area 5, which covers El Paso and Teller counties. Fountain residents have a strong selection of insurers to choose from, ensuring competitive options for health coverage. The confirmed carriers for this rating area are:- Cigna
- Denver Health Medical Plan
- HMO Colorado
- Kaiser Permanente
- Select Health
- United Healthcare
Medicaid and CHIP Eligibility in Colorado
Colorado has expanded its Medicaid program, known as Health First Colorado. This means that adults with household incomes up to 138% of the Federal Poverty Level may qualify for low-cost or no-cost health coverage. For a single individual, this threshold is approximately $20,782 per year for 2024 FPL. Unlike non-expansion states, there is no "coverage gap" for those below 100% FPL. Additionally, Colorado's Child Health Plan Plus (CHP+) provides coverage for pregnant women with incomes up to 195% FPL and children in households up to 260% FPL. If you believe you or your family members might qualify for Health First Colorado or CHP+, you can apply through Colorado PEAK (colorado.gov/PEAK) or Connect for Health Colorado.Making Your Health Insurance Decision in Fountain
Choosing the right health insurance plan, whether it's from Select Health or another carrier, involves evaluating your healthcare needs, financial situation, and preferred providers. Here’s a general guide:| Your Situation | Recommended Action |
|---|---|
| Income below 138% FPL | Apply for Health First Colorado (Medicaid) through Colorado PEAK or Connect for Health Colorado. |
| Income 100% - 250% FPL | Explore Silver plans on Connect for Health Colorado to maximize cost-sharing reductions and premium tax credits. |
| Income 250% - 400% FPL | Compare Bronze, Silver, and Gold plans on Connect for Health Colorado, utilizing premium tax credits. |
| High healthcare usage expected | Consider Gold or Platinum plans for lower out-of-pocket costs when you receive care, despite higher premiums. |
| Low healthcare usage expected | Bronze plans offer the lowest premiums but have higher deductibles; suitable for catastrophic coverage. |
Frequently Asked Questions
Can I get Select Health insurance through Connect for Health Colorado in Fountain?
Yes, Select Health is one of 6 carriers offering plans on Connect for Health Colorado in Rating Area 5, which includes Fountain, for the 2026 plan year. You can enroll in a Select Health plan and potentially qualify for subsidies to lower your monthly premiums and out-of-pocket costs.
What types of plans does Select Health offer in Fountain, Colorado?
In Fountain and Rating Area 5, 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. PPO plans are available on-exchange in Colorado, offering more flexibility in provider choice.
How do I know if I qualify for financial assistance with Select Health plans?
Eligibility for subsidies (premium tax credits and cost-sharing reductions) 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 may qualify for premium tax credits, and those between 100% and 250% FPL may also qualify for cost-sharing reductions, especially with Silver plans. You can check your eligibility when you apply through Connect for Health Colorado.
Does Health First Colorado (Medicaid) affect my eligibility for Select Health plans?
If your income is at or below 138% of the Federal Poverty Level, you may qualify for Health First Colorado (Colorado's Medicaid program). If you qualify for Medicaid, you are generally not eligible for marketplace subsidies to purchase a private plan like those from Select Health. It's important to apply through Connect for Health Colorado, which can determine your eligibility for both marketplace plans and Medicaid.