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

Select Health Insurance Plans in Garfield County, Colorado

Select Health is one of 6 carriers offering marketplace plans in Garfield County's Rating Area 6 for 2026.
Colorado's marketplace, Connect for Health Colorado, offers HMO, EPO, and PPO plans, unlike some other states.
Adults with income up to 138% FPL may qualify for Health First Colorado (Medicaid), which expanded in 2014.
Garfield County has a population of 62,479 and an uninsured rate of 15.6%, per U.S. Census Bureau ACS 2024 5-year estimates.

If you're looking for health insurance options from Select Health in Garfield County, Colorado, you're in the right place. Select Health is a confirmed carrier offering plans on Connect for Health Colorado, the state's official health insurance marketplace, for the 2026 plan year. Residents of Garfield County have access to a variety of plans, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) structures. Understanding your options, potential subsidies, and local healthcare landscape is key to choosing the right coverage.

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What Health Insurance Options Does Select Health Offer in Garfield County?

Select Health participates in Colorado's state-based marketplace, Connect for Health Colorado, for residents of Garfield County and the broader Rating Area 6. This means you can enroll in a Select Health plan and potentially receive subsidies (tax credits) to help lower your monthly premiums, depending on your household income. When shopping for health insurance, plans are categorized by "metal tiers": Bronze, Silver, Gold, and Platinum. These tiers indicate how you and your plan share costs:

Bronze plans: Typically have lower monthly premiums but higher deductibles and out-of-pocket maximums. They cover 60% of costs on average, with you paying 40%. Best for those who expect minimal medical care and want protection against catastrophic costs.
Silver plans: Offer a balance between premiums and out-of-pocket costs, covering 70% of costs on average (you pay 30%). Critically, Silver plans are the only tier eligible for Cost-Sharing Reductions (CSRs), which further lower deductibles, copayments, and out-of-pocket maximums for individuals and families with incomes up to 250% of the Federal Poverty Level.
Gold plans: Feature higher monthly premiums but lower deductibles and out-of-pocket maximums, covering 80% of costs on average (you pay 20%). Suitable for those who expect to use medical services frequently.

Select Health, like other carriers, offers plans across these metal tiers, providing choices for different budgets and healthcare needs.

Understanding Your Eligibility and Subsidies in Colorado

Enrollment in marketplace plans is primarily during the annual Open Enrollment Period, typically from November 1 to January 15. However, you may qualify for a Special Enrollment Period (SEP) if you experience a major life event such as getting married, having a baby, losing other health coverage, or moving to Garfield County. Colorado is a Medicaid expansion state, meaning adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Health First Colorado, the state's Medicaid program. For 2026, this threshold is approximately $20,782 for an individual or $43,056 for a family of four. Health First Colorado provides comprehensive coverage at little to no cost. Colorado also offers the Child Health Plan Plus (CHP+), which covers pregnant women with incomes up to 195% FPL and children in households up to 260% FPL. You can apply for these programs through Colorado PEAK at colorado.gov/PEAK. For individuals and families with incomes above Medicaid eligibility but below 400% FPL (and potentially higher, depending on premium costs), significant premium tax credits (subsidies) are available through Connect for Health Colorado. These subsidies can substantially reduce the cost of your monthly health insurance premiums, making coverage much more affordable.

Health Insurance Carriers in Garfield County

Garfield County is part of Colorado Rating Area 6, which covers Delta, Garfield, Mesa, Moffat, Pitkin, and Rio Blanco counties. In 2026, 6 carriers offer marketplace plans in Rating Area 6. This ensures a competitive market with multiple options for residents seeking coverage. The confirmed health insurance carriers offering plans on Connect for Health Colorado in Rating Area 6 for the 2026 plan year include:

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

Each of these carriers offers a range of plans with different network structures, deductibles, and cost-sharing arrangements. It's important to compare plans not just by premium, but also by their provider networks to ensure your preferred doctors and facilities are covered. Garfield County, with a population of 62,479 and an uninsured rate of 15.6% per U.S. Census Bureau ACS 2024 5-year estimates, is served by Valley View Hospital Association in Glenwood Springs for acute care, making local network access a key consideration when choosing a plan.

Making the Right Choice for Your Health Coverage in Garfield County

Choosing the right health insurance plan requires evaluating your personal health needs, financial situation, and preferred healthcare providers. Here’s a general guide to help you navigate your options in Garfield County:

If your income is below 138% FPL: You likely qualify for Health First Colorado (Medicaid). Apply through Colorado PEAK for comprehensive, low-cost coverage.
If your income is 138%–250% FPL: You are eligible for significant premium tax credits and Cost-Sharing Reductions (CSRs) on Silver plans. A Silver plan will offer the best value, with lower out-of-pocket costs in addition to reduced premiums.
If your income is 250% FPL and above: You are still eligible for premium tax credits that can lower your monthly costs, especially if your premiums exceed a certain percentage of your income. Compare Bronze, Silver, and Gold plans to find the best balance of premium and coverage for your expected healthcare usage.

Regardless of your income, it's beneficial to work with a licensed health insurance producer. They can help you compare plans from Select Health and other carriers, understand your subsidy eligibility, and enroll in the plan that best fits your needs, all at no cost to you.

Frequently Asked Questions

Can I get Select Health insurance through Connect for Health Colorado?

Yes, Select Health is one of six carriers offering health insurance plans through Connect for Health Colorado in Rating Area 6, which includes Garfield County, for the 2026 plan year. You can compare their plans and apply for subsidies on the state marketplace.

What types of plans does Select Health offer in Garfield County?

Select Health, along with other carriers in Colorado, offers a variety of plan types through the marketplace, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) options. The specific plans and their structures vary by carrier and metal tier.

What is the uninsured rate in Garfield County, Colorado?

According to U.S. Census Bureau ACS 2024 5-year estimates, Garfield County has an uninsured rate of 15.6%. This is higher than the state average and highlights the importance of exploring all available health insurance options, including marketplace plans and Medicaid (Health First Colorado).

What income qualifies for Medicaid in Colorado?

Colorado expanded Medicaid (known as Health First Colorado) in 2014. Adults with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive health coverage at little to no cost. Pregnant women may qualify for CHP+ up to 195% FPL, and children up to 260% FPL.