Select Health Health Insurance in Grand Junction, Colorado

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

Select Health is one of 6 carriers offering marketplace plans in Grand Junction's Rating Area 6 for 2026.
Grand Junction residents can choose from HMO, EPO, and PPO plans on Connect for Health Colorado, including those from Select Health.
Individuals with incomes between 100% and 400% FPL may qualify for subsidies to reduce Select Health plan costs.
Grand Junction, with a population of 68,142, has an uninsured rate of 9.4% per U.S. Census Bureau ACS 2024 5-year estimates.

If you're looking for health insurance in Grand Junction, Colorado, Select Health offers a range of plans through the Connect for Health Colorado marketplace. As a resident of Rating Area 6, which covers Delta, Garfield, Mesa, Moffat, Pitkin, Rio Blanco counties, you have access to multiple carriers, including Select Health, for your 2026 coverage needs. These plans are compliant with the Affordable Care Act (ACA), meaning they cover essential health benefits and cannot deny coverage based on pre-existing conditions. Financial assistance is available to help make these plans more affordable for eligible individuals and families in Grand Junction.

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What Select Health Plans Are Available in Grand Junction?

Select Health provides various health plan options to Grand Junction residents through Connect for Health Colorado. These plans typically come in different metal tiers: Bronze, Silver, Gold, and Platinum, each offering a different balance of monthly premiums versus out-of-pocket costs. Bronze plans generally have lower premiums but higher deductibles and copays, while Gold and Platinum plans have higher premiums but lower out-of-pocket expenses when you receive care. In Colorado, marketplace shoppers can select from Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. Select Health offers plans in various structures, allowing you to choose based on your preference for network flexibility and referral requirements. For example, PPO plans typically offer more flexibility to see out-of-network providers, though at a higher cost, while HMO plans usually require you to choose a primary care provider and get referrals for specialists within a defined network.

Understanding Costs and Subsidies for Select Health Plans

The cost of a Select Health plan in Grand Junction will depend on several factors, including your age, household size, chosen plan's metal tier, and whether you qualify for financial assistance. The good news for Grand Junction residents is that subsidies are available through Connect for Health Colorado. These subsidies, known as Premium Tax Credits, can significantly reduce your monthly premium payments. Eligibility for Premium Tax Credits is based on your household income relative to the Federal Poverty Level (FPL). For 2026, individuals and families with incomes between 100% and 400% FPL may qualify. Additionally, those with incomes between 100% and 250% FPL may be eligible for Cost-Sharing Reductions (CSRs), which lower your deductibles, copayments, and out-of-pocket maximums, making Silver-tier plans particularly valuable. For example, a single person in Grand Junction earning $35,000 (around 250% FPL) would likely qualify for substantial premium tax credits and cost-sharing reductions, making a Silver plan much more affordable. Conversely, an individual earning $60,000 (around 430% FPL) might qualify for a smaller premium tax credit or none at all, depending on their specific circumstances and the benchmark plan cost.

Health Insurance Carriers in Grand Junction

For 2026, Grand Junction residents have a choice of health insurance plans from multiple carriers on the Connect for Health Colorado marketplace. In 2026, 6 carriers offer marketplace plans in Rating Area 6, which covers Delta, Garfield, Mesa, Moffat, Pitkin, Rio Blanco counties. These carriers include:

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

This variety allows you to compare plans from different providers, ensuring you can find a plan that best fits your healthcare needs and budget. When comparing, consider factors such as network of doctors and hospitals, prescription drug coverage, and overall out-of-pocket costs.

Medicaid and CHIP Options in Grand Junction

Colorado has expanded its Medicaid program, known as Health First Colorado. This means that adults in Grand Junction with household incomes up to 138% of the Federal Poverty Level may qualify for comprehensive health coverage at little to no cost. Unlike some states, Colorado does not have a "coverage gap" for adults, ensuring that those with lower incomes have access to essential healthcare. For pregnant women, Health First Colorado (Medicaid) covers those with incomes up to 138% FPL. Additionally, Colorado's Child Health Plan Plus (CHP+) covers pregnant women with income up to 195% FPL, offering comprehensive prenatal, delivery, and postpartum care. CHP+ also covers children in households with incomes up to 260% FPL. Applications for these programs can be submitted through Colorado PEAK at colorado.gov/PEAK. Grand Junction, part of Mesa County, serves a population of 68,142 with a median age of 40.4 years. The city's uninsured rate stands at 9.4%, slightly lower than Mesa County's 9.9%, per U.S. Census Bureau ACS 2024 5-year estimates. Residents rely on local facilities such as Intermountain Health St. Mary's Regional Hospital and Community Hospital for acute care services.

Making Your Health Insurance Decision in Grand Junction

Choosing the right health insurance plan, whether from Select Health or another carrier, involves evaluating your personal healthcare needs, budget, and desired level of network flexibility. Consider the following steps:

Assess Your Needs: Think about your expected medical care for the year, including doctor visits, prescriptions, and any planned procedures.
Check Your Income: Determine if your household income qualifies you for Premium Tax Credits or Cost-Sharing Reductions through Connect for Health Colorado.
Compare Plans: Use the marketplace to compare metal tiers (Bronze, Silver, Gold, Platinum) and plan types (HMO, EPO, PPO) from all available carriers, including Select Health.
Verify Networks: If you have preferred doctors or hospitals, confirm they are in the network of any plan you are considering. In Mesa County, this would include Intermountain Health St. Mary's Regional Hospital and Community Hospital.

A licensed health insurance producer can provide personalized guidance, helping you navigate the options and enroll in a plan that meets your specific requirements, all at no additional cost to you.

Frequently Asked Questions

Does Select Health offer PPO plans in Grand Junction?

Yes, Select Health offers PPO plans in Grand Junction, as PPO plans are available on the Connect for Health Colorado marketplace. Colorado residents can choose from HMO, EPO, and PPO structures.

Can I get financial assistance for a Select Health plan in Grand Junction?

Yes, if your household income is between 100% and 400% of the Federal Poverty Level, you may qualify for subsidies to lower your monthly premiums and out-of-pocket costs when enrolling through Connect for Health Colorado.

What is Connect for Health Colorado?

Connect for Health Colorado is the state-based health insurance marketplace where Grand Junction residents can compare plans, apply for financial assistance, and enroll in coverage from carriers like Select Health.

Are there any local hospitals that accept Select Health plans in Grand Junction?

Select Health plans typically contract with major local hospital systems. In Grand Junction, this would include facilities like Intermountain Health St. Mary's Regional Hospital and Community Hospital. Always verify network specifics for your chosen plan.