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

Select Health Insurance Plans in Gilpin County, Colorado

In 2026, Select Health is one of 6 carriers offering health insurance plans through Connect for Health Colorado in Gilpin County.
Gilpin County is part of Colorado Rating Area 9, which includes 28 other counties, ensuring broad carrier options.
Individuals with incomes up to 400% FPL may qualify for significant premium tax credits to lower monthly costs for Select Health plans.
Colorado's Medicaid program, Health First Colorado, covers adults up to 138% FPL, and pregnant women up to 195% FPL via CHP+.

Navigating health insurance options can feel overwhelming, but for residents of Gilpin County, Colorado, understanding your choices is the first step toward securing affordable coverage. Select Health is one of several prominent carriers offering health insurance plans in Gilpin County for the 2026 plan year. These plans are available through Connect for Health Colorado, the state's official health insurance marketplace. Depending on your household income, you may qualify for financial assistance, such as premium tax credits and cost-sharing reductions, which can significantly lower your monthly premiums and out-of-pocket costs for a Select Health plan.

Get Your Free Health Insurance Quote

A licensed agent can compare coverage options for you at no cost.

✓

You're all set!

A licensed agent will reach out shortly.

What Are Your Health Insurance Options in Gilpin County?

Residents of Gilpin County have access to a variety of health insurance options, primarily through Connect for Health Colorado. The marketplace offers plans from multiple carriers, including Select Health, with different levels of coverage known as "metal tiers": Bronze, Silver, Gold, and Platinum. These tiers indicate how you and your plan share the cost of care. Bronze plans typically have lower monthly premiums but higher deductibles and out-of-pocket costs, while Gold and Platinum plans have higher premiums but lower out-of-pocket expenses when you need care. In Colorado, marketplace shoppers can choose from Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. PPO plans offer more flexibility in choosing providers outside a network, often at a higher cost, while HMOs and EPOs typically require you to stay within a defined network of doctors and hospitals. Understanding these plan types is crucial to selecting one that aligns with your healthcare needs and budget. Gilpin County, with a population of 5,901 and an uninsured rate of 3.9% per U.S. Census Bureau ACS 2024 5-year estimates, is part of Colorado Rating Area 9. This rating area covers a total of 29 counties, including Alamosa, Baca, Bent, Chaffee, Cheyenne, Clear Creek, Conejos, Costilla, Crowley, Custer, Elbert, Fremont, Gilpin, Huerfano, Kiowa, Kit Carson, Lake, Las Animas, Lincoln, Logan, Morgan, Otero, Park, Phillips, Prowers, Pueblo, Sedgwick, Washington, and Yuma counties. This broad regional grouping helps ensure a competitive market for health insurance plans across the area.

Eligibility for Financial Assistance in Colorado

Many Gilpin County residents can get help paying for their health insurance through Connect for Health Colorado. Financial assistance comes in two main forms:

Premium Tax Credits (APTCs): These subsidies reduce your monthly premium payments. Eligibility is based on your household income relative to the Federal Poverty Level (FPL). In 2026, individuals and families earning up to 400% FPL may qualify, and some may qualify at even higher incomes depending on household size and local benchmark plan costs.
Cost-Sharing Reductions (CSRs): Available only with Silver plans, CSRs reduce your out-of-pocket costs, such as deductibles, copayments, and coinsurance. You may qualify for CSRs if your income is between 100% and 250% FPL. These reductions make Silver plans particularly valuable for eligible individuals, as they offer better benefits than standard Silver plans for the same premium.

For those with very low incomes, Colorado has expanded its Medicaid program, known as Health First Colorado. Adults with incomes up to 138% FPL may qualify for comprehensive health coverage at little to no cost. Additionally, Colorado's Child Health Plan Plus (CHP+) covers pregnant women with incomes up to 195% FPL and children in households up to 260% FPL. Applications for these programs can be submitted through Colorado PEAK at colorado.gov/PEAK.

Health Insurance Carriers in Gilpin County

For 2026, residents of Gilpin County have a robust selection of carriers offering marketplace plans in Rating Area 9. In 2026, 6 carriers offer marketplace plans in Rating Area 9:

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

When choosing a plan, it is important to consider not only the monthly premium but also the network of doctors and hospitals, the deductible, and the out-of-pocket maximum. Select Health offers a range of plans designed to meet diverse needs, and comparing their offerings against other carriers like Kaiser Permanente or Cigna can help you find the best fit. Gilpin County has no acute care hospitals within its boundaries, meaning residents often travel to a neighboring county for acute medical services. When evaluating a Select Health plan or any other carrier, confirm that their network includes facilities and providers in the areas you are most likely to access for care.

Making the Right Choice for Your Health Coverage

Choosing the right health insurance plan for your needs in Gilpin County involves evaluating several factors:

Your Budget: Consider how much you can comfortably pay each month for premiums and how much you are willing to pay out-of-pocket before your insurance covers more costs.
Healthcare Needs: If you expect to use a lot of medical services, a Gold or Platinum plan with lower out-of-pocket costs might be more cost-effective despite higher premiums. If you are generally healthy, a Bronze plan with a lower premium might be suitable, especially if you qualify for a Health Savings Account (HSA).
Preferred Doctors and Hospitals: Ensure that your current doctors and any preferred hospitals are in the network of the plan you choose. This is especially important for Gilpin County residents who rely on facilities in neighboring counties.
Financial Assistance: Always check your eligibility for premium tax credits and cost-sharing reductions through Connect for Health Colorado. These subsidies can make even comprehensive plans highly affordable.

A licensed health insurance producer can provide personalized guidance, helping you compare plans from Select Health and other carriers, understand your subsidy eligibility, and enroll in a plan that meets your specific requirements without any additional cost to you.

Frequently Asked Questions

Is Select Health available in all parts of Gilpin County?

Select Health is one of six carriers offering marketplace plans in Colorado Rating Area 9 for 2026, which includes Gilpin County. Availability can vary by specific ZIP code, so it's always best to verify plan options through Connect for Health Colorado or with a licensed agent.

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

In Gilpin County and across Colorado, marketplace plans can include HMO, EPO, and PPO options. Select Health, like other carriers, offers a range of plans designed to fit different needs and budgets. You can compare specific plan structures and benefits on Connect for Health Colorado.

Can I get financial assistance for a Select Health plan in Gilpin County?

Yes, individuals and families in Gilpin County may qualify for premium tax credits and cost-sharing reductions based on household income and size. These subsidies can significantly lower the cost of a Select Health plan obtained through Connect for Health Colorado. Eligibility extends to those earning up to 400% of the Federal Poverty Level, or even higher for some families.

When is the open enrollment period for health insurance in Gilpin County?

Open Enrollment for 2026 plans typically runs from November 1, 2025, to January 15, 2026, in Colorado. During this time, anyone can enroll in a new plan or change their existing coverage through Connect for Health Colorado. Outside of Open Enrollment, you generally need a qualifying life event (like marriage, birth of a child, or loss of other coverage) to enroll.

What should I do if I have a low income in Gilpin County?

If you have a low income in Gilpin County, you should first check your eligibility for Health First Colorado (Colorado Medicaid). Adults with incomes up to 138% FPL qualify, and pregnant women up to 195% FPL (via CHP+). You can apply through Colorado PEAK. If your income is too high for Medicaid but still modest, you will likely qualify for significant premium tax credits and cost-sharing reductions on a marketplace plan through Connect for Health Colorado.