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

Select Health Insurance Plans in Golden, Colorado

If you're seeking health insurance in Golden, Colorado, you have options through Connect for Health Colorado, the state's official marketplace. Select Health is one of the carriers participating in Rating Area 1, which includes Golden and surrounding counties, offering various plans designed to meet different needs and budgets. Depending on your household income, you may qualify for significant financial assistance, such as Advance Premium Tax Credits (APTCs), to lower your monthly premiums, or Cost-Sharing Reductions (CSRs) to reduce out-of-pocket costs. This guide details your options with Select Health and other local carriers, explains how subsidies work, and outlines eligibility for Colorado's Medicaid program, Health First Colorado.

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What Health Plans Does Select Health Offer in Golden?

Select Health offers a variety of health insurance plans through Connect for Health Colorado in Golden, providing access to their network of doctors, specialists, and hospitals. Marketplace plans are categorized by metal tiers: Bronze, Silver, Gold, and Platinum, each covering a different percentage of your healthcare costs. In Colorado, marketplace shoppers can choose from Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plan structures. PPO plans are available on-exchange in Colorado, offered by carriers such as Denver Health Medical Plan and HMO Colorado, meaning you are not limited to HMO or EPO networks for subsidy-eligible coverage. Bronze plans typically have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums, covering about 60% of costs. These are often suitable for those who expect minimal medical care and want protection against catastrophic events. Silver plans cover about 70% of costs and are particularly valuable if you qualify for Cost-Sharing Reductions (CSRs), which can significantly lower your deductibles, copayments, and coinsurance. Gold and Platinum plans offer higher levels of coverage (80% and 90% respectively) with lower out-of-pocket costs, but come with higher monthly premiums.

How Do Subsidies and Medicaid Work in Golden?

Many Golden residents qualify for financial assistance to make health insurance more affordable. This assistance comes in two primary forms: Advance Premium Tax Credits (APTCs) and Cost-Sharing Reductions (CSRs).

Golden, located in Jefferson County, is part of Colorado Rating Area 1, which covers Adams, Arapahoe, Broomfield, Denver, Douglas, and Jefferson counties. The city of Golden has a population of 20,417 and a median income of $98,582, with an uninsured rate of 3.5%, per U.S. Census Bureau ACS 2024 5-year estimates. This low uninsured rate is supported by robust access to coverage options, including those offered by carriers like Select Health. Jefferson County is home to several acute care hospitals, including Lutheran Medical Center in Wheat Ridge and Centura Health-st Anthony Hospital in Lakewood, providing critical healthcare services to residents.

Advance Premium Tax Credits (APTCs)

APTCs reduce your monthly premium payments for plans purchased through Connect for Health Colorado. Eligibility is based on your household income relative to the Federal Poverty Level (FPL). In 2026, individuals with incomes between 100% and 400% FPL qualify for these subsidies. For example, an individual earning up to $58,320 or a family of four earning up to $120,000 could receive APTCs. The exact amount of your subsidy depends on your income, household size, and the cost of the benchmark Silver plan in your area.

Cost-Sharing Reductions (CSRs)

CSRs reduce the amount you pay out-of-pocket for healthcare, such as deductibles, copayments, and coinsurance. These are available only with Silver plans and are for individuals and families with incomes up to 250% FPL. For an individual, this means an income up to $36,450. CSRs enhance your Silver plan, making it function more like a Gold or Platinum plan in terms of out-of-pocket costs, but you still pay the Silver plan premium.

Health First Colorado (Medicaid)

Colorado expanded Medicaid in 2014, known as Health First Colorado. Adults with household incomes up to 138% of the FPL may qualify for comprehensive health coverage at little to no cost. For an individual, this threshold is approximately $20,121 per year. Unlike some states, Colorado does not have a "coverage gap," meaning individuals below 100% FPL can still qualify for Medicaid.

Child Health Plan Plus (CHP+) for Pregnant Women and Children

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. For pregnant women, this includes comprehensive prenatal, delivery, and postpartum care. Those at or below 138% FPL would first qualify for Health First Colorado. Applications for CHP+ can be submitted through Colorado PEAK at colorado.gov/PEAK.

Health Insurance Carriers in Golden

In 2026, 6 carriers offer marketplace plans in Rating Area 1, which covers Golden and surrounding counties. These carriers provide a competitive range of options for residents seeking health coverage through Connect for Health Colorado. The confirmed local carriers are: When selecting a plan, it's important to consider each carrier's network, plan types (HMO, EPO, PPO), and specific benefits to ensure it aligns with your healthcare needs and preferences.

Making Your Health Plan Decision in Golden

Choosing the right health insurance plan involves evaluating your expected healthcare needs, financial situation, and preferred providers. Here’s a summary of considerations for Golden residents:

Estimated Income Thresholds for 2026 Subsidies (Individual / Family of 4)

Income Level Individual Family of 4 Benefit
Below 138% FPL Up to $20,121 Up to $41,400 Qualify for Health First Colorado (Medicaid)
138% - 250% FPL $20,122 - $36,450 $41,401 - $75,000 Significant APTCs + Cost-Sharing Reductions (CSRs) on Silver plans
250% - 400% FPL $36,451 - $58,320 $75,001 - $120,000 APTCs available to lower monthly premiums
Above 400% FPL Over $58,320 Over $120,000 Full premium cost, no APTCs (can still enroll in marketplace plans)
Consider these steps: A licensed health insurance producer can help you navigate these options, compare plans from Select Health and other carriers, and ensure you receive all eligible financial assistance, all at no cost to you.

Frequently Asked Questions

Can I keep my doctor with a Select Health plan in Golden?
The ability to keep your current doctor depends on whether they are part of Select Health's network for your chosen plan type (HMO, EPO, or PPO). It's crucial to check the carrier's provider directory before enrolling to confirm your preferred doctors and specialists are in-network.
What hospitals are in-network for Select Health in Jefferson County?
Select Health plans typically contract with a network of hospitals in Jefferson County. Major hospitals in the county include Lutheran Medical Center in Wheat Ridge and Centura Health-st Anthony Hospital in Lakewood. Always verify specific hospital inclusion with Select Health's provider directory for your chosen plan.
Is pregnancy a qualifying life event for special enrollment in Golden?
No, pregnancy itself is not a qualifying life event (QLE) for a Special Enrollment Period (SEP) through Connect for Health Colorado. However, the birth of a baby is a QLE, allowing you to enroll or change your plan within 60 days of the child's birth. Colorado's CHP+ program does offer coverage for pregnant women up to 195% FPL.

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