Select Health Insurance Plans in Frisco, Colorado

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

Select Health is one of 6 carriers offering marketplace plans in Frisco's Rating Area 7 for 2026.
Frisco residents with income up to 400% FPL (e.g., ~$60,240 for an individual) may qualify for subsidies on Connect for Health Colorado.
Colorado's Medicaid program, Health First Colorado, covers adults up to 138% FPL, and pregnant women up to 195% FPL via CHP+.
Frisco, with a population of 2,825, has an uninsured rate of 13.5% per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Frisco, Colorado, can feel complex, but understanding your choices, especially with a carrier like Select Health, is straightforward. Select Health offers various plans through Connect for Health Colorado, the state's official marketplace, providing residents of Frisco and Summit County access to coverage that may include financial assistance. Whether you are looking for an affordable Bronze plan or a more comprehensive Gold plan, knowing which carriers serve your area and what subsidies are available can significantly impact your healthcare costs and access. This guide focuses on Select Health's offerings in Frisco, alongside other local marketplace options, to help you make an informed decision for 2026.

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What Select Health Plans Are Available in Frisco, Colorado?

Select Health is a prominent health insurance carrier participating in Connect for Health Colorado, offering a range of plans to individuals and families in Frisco. For 2026, Frisco falls within Colorado Rating Area 7, which covers Eagle, Grand, Jackson, Routt, and Summit counties. In this rating area, Select Health provides marketplace plans that typically include Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) structures. Colorado is one of the states where PPO plans are available on-exchange, offering consumers more flexibility in choosing their healthcare providers, often without needing a primary care referral for specialists. When selecting a Select Health plan, you will encounter different metal tiers: Bronze, Silver, Gold, and sometimes Platinum. These tiers categorize plans by how you and your insurance company share costs:

Bronze Plans: Offer the lowest monthly premiums but have higher deductibles and out-of-pocket maximums. They cover 60% of costs on average, with you paying 40%. Best for those who anticipate minimal medical care or want protection against catastrophic events.
Silver Plans: A good balance of premiums and out-of-pocket costs. They cover 70% of costs on average, with you paying 30%. Crucially, if you qualify for cost-sharing reductions (CSRs), these benefits are only available with Silver plans, making them significantly more valuable for eligible individuals.
Gold Plans: Feature higher monthly premiums but lower deductibles and out-of-pocket maximums, covering 80% of costs on average. Ideal for those who expect to use medical services frequently and prefer predictable costs.

Understanding these tiers helps you align a Select Health plan with your anticipated healthcare needs and budget.

Who Else Offers Marketplace Health Insurance in Frisco?

While Select Health is a key provider, Frisco residents have choices from several other carriers on Connect for Health Colorado. In 2026, 6 carriers offer marketplace plans in Rating Area 7. These confirmed local carriers include:

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

This diverse selection means you can compare plans from multiple insurers to find the best fit for your specific needs, considering factors like network doctors, hospitals, prescription drug coverage, and overall costs. For instance, St Anthony Summit Medical Center in Frisco is an acute care hospital that serves the community. When choosing a plan, it is important to verify that your preferred doctors and facilities, such as St Anthony Summit Medical Center, are in-network for the specific plan you select, regardless of the carrier. Frisco, Colorado, with a population of 2,825, and its parent Summit County, with 31,017 residents, both show a relatively low poverty rate of 1.3% and 7.7% respectively, per U.S. Census Bureau ACS 2024 5-year estimates. However, the city's uninsured rate stands at 13.5%, higher than the county's 10.2%, underscoring the importance of accessible health insurance options.

How Financial Assistance and Medicaid Work in Colorado

Colorado has expanded its Medicaid program, known as Health First Colorado, meaning more Frisco residents can qualify for low-cost or no-cost health coverage. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) are eligible for Health First Colorado. This eliminates the "coverage gap" present in non-expansion states, ensuring that individuals below 100% FPL still have an affordable health insurance option. For those with incomes above 138% FPL but up to 400% FPL, premium tax credits (subsidies) are available through Connect for Health Colorado. These subsidies can significantly reduce your monthly premium, making private health insurance plans, including those from Select Health, much more affordable. Additionally, individuals with incomes up to 250% FPL may qualify for cost-sharing reductions (CSRs), which lower out-of-pocket costs like deductibles, copayments, and coinsurance. CSRs are only available when you enroll in a Silver-tier plan. For pregnant women in Frisco, Colorado's Child Health Plan Plus (CHP+) covers those with incomes 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 these programs can be submitted through Colorado PEAK at colorado.gov/PEAK.

2026 Federal Poverty Level (FPL) Income Thresholds for Colorado Subsidies and Medicaid (Example)
Household Size	138% FPL (Medicaid)	250% FPL (CSRs)	400% FPL (Premium Tax Credits)
1	~$20,783	~$37,650	~$60,240
2	~$28,207	~$51,050	~$81,720
3	~$35,631	~$64,450	~$103,200
4	~$43,055	~$77,850	~$124,680
Note: FPL figures are approximate and subject to change annually. Consult Connect for Health Colorado for precise thresholds.

Making Your Health Insurance Decision in Frisco

Choosing the right health insurance plan, whether from Select Health or another carrier, involves evaluating your specific needs, budget, and local provider preferences.

If your income is below 138% FPL: You likely qualify for Health First Colorado (Medicaid), offering comprehensive coverage at little to no cost. Apply directly through Colorado PEAK.
If your income is between 138% FPL and 400% FPL: You are eligible for premium tax credits to lower your monthly premiums on Connect for Health Colorado. Consider a Silver plan to also maximize potential cost-sharing reductions.
If your income is above 400% FPL: You can still purchase plans through Connect for Health Colorado or directly from carriers. While not eligible for subsidies, the marketplace offers a convenient way to compare plans.

A licensed health insurance producer can provide free, personalized guidance, helping you navigate the options from Select Health and other carriers, verify network compatibility with local facilities like St Anthony Summit Medical Center, and apply for subsidies on Connect for Health Colorado.

Frequently Asked Questions

What type of Select Health plans are available in Frisco, Colorado?

In Frisco, Select Health offers various plan types through Connect for Health Colorado, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. PPO plans are available on-exchange in Colorado, giving you more flexibility in choosing providers.

Can I get financial help to pay for a Select Health plan in Frisco?

Yes, Frisco residents may qualify for subsidies (premium tax credits and cost-sharing reductions) to lower the cost of Select Health plans purchased through Connect for Health Colorado. Eligibility depends on household income and size, with subsidies available for individuals earning up to 400% of the Federal Poverty Level.

What is the enrollment period for Select Health plans in Colorado?

The primary enrollment period for health insurance plans, including Select Health, is during Open Enrollment, typically from November 1 to January 15 each year for coverage starting the following year. Outside of this window, you may qualify for a Special Enrollment Period (SEP) due to a qualifying life event like marriage, birth of a child, or loss of other coverage.

Does Select Health cover St Anthony Summit Medical Center in Frisco?

Select Health plans typically contract with a network of local providers and facilities. To confirm if St Anthony Summit Medical Center in Frisco is in-network for a specific Select Health plan, it is essential to check the plan's provider directory or contact Select Health directly before enrolling.

What is Health First Colorado?

Health First Colorado is the name for Colorado's Medicaid program. It provides comprehensive health coverage to eligible low-income adults, children, and families, including pregnant women. Colorado expanded Medicaid in 2014, allowing adults with incomes up to 138% of the Federal Poverty Level to qualify.