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

Select Health Health Insurance in Kit Carson County, Colorado

Select Health is one of 6 carriers offering marketplace plans in Kit Carson County's Rating Area 9 for 2026.
Residents of Kit Carson County can apply for coverage through Connect for Health Colorado, the state's official marketplace.
Colorado expanded Medicaid (Health First Colorado) in 2014, covering adults up to 138% of the Federal Poverty Level.
Marketplace subsidies are available for individuals and families in Kit Carson County with incomes between 100% and 400% FPL.
Kit Carson County has a population of 7,023 and an uninsured rate of 12.0%, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Kit Carson County, Colorado, involves understanding your choices through Connect for Health Colorado, the state's official health insurance marketplace. Select Health is one of the carriers providing plans to residents in this area. Whether you're looking for individual or family coverage, it's important to compare available plans, understand potential subsidies, and choose a plan that fits your healthcare needs and budget. This article will guide you through the specifics of obtaining health insurance, including options from Select Health, in Kit Carson County.

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What Health Insurance Options Are Available in Kit Carson County?

Residents of Kit Carson County primarily access health insurance through Connect for Health Colorado, the state-based marketplace. Through this exchange, individuals and families can compare plans from multiple carriers, determine eligibility for financial assistance, and enroll in coverage. Colorado's marketplace offers a variety of plan types, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. Notably, PPO plans ARE available on-exchange in Colorado, providing greater flexibility for those seeking out-of-network coverage options. For those with lower incomes, Colorado expanded its Medicaid program, 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. Additionally, Colorado's Child Health Plan Plus (CHP+) covers pregnant women with income up to 195% FPL and children in households up to 260% FPL.

Understanding Financial Assistance and Subsidies

Many Kit Carson County residents can receive financial help to make health insurance more affordable. Subsidies, in the form of Advance Premium Tax Credits (APTCs), are available to individuals and families whose household income falls between 100% and 400% of the Federal Poverty Level. These tax credits can be applied directly to your monthly premiums, reducing your out-of-pocket costs. Beyond premium assistance, individuals with incomes up to 250% FPL may also qualify for Cost-Sharing Reductions (CSRs). These subsidies reduce the amount you pay for deductibles, copayments, and coinsurance, making healthcare services more accessible. To benefit from CSRs, you must enroll in a Silver-tier plan through Connect for Health Colorado.

Federal Poverty Level (FPL)	Potential Assistance for Kit Carson County Residents
Below 138% FPL	Eligible for Health First Colorado (Medicaid)
100% - 400% FPL	Eligible for Advance Premium Tax Credits (APTCs) to lower premiums
Up to 250% FPL	Eligible for Cost-Sharing Reductions (CSRs) on Silver plans
Pregnant Women up to 195% FPL	Eligible for Child Health Plan Plus (CHP+) for prenatal, delivery, and postpartum care
Children up to 260% FPL	Eligible for Child Health Plan Plus (CHP+)

Health Insurance Carriers in Kit Carson County

For 2026, residents of Kit Carson County, which is part of Colorado Rating Area 9, have access to plans from multiple health insurance carriers through Connect for Health Colorado. Rating Area 9 covers 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, Yuma counties. 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's essential to compare not only the premiums and deductibles but also the network of doctors and hospitals, as well as the types of plans each carrier offers. Select Health, like other carriers, will have various plans at different metallic tiers (Bronze, Silver, Gold, Platinum) to suit diverse needs and budgets. Kit Carson County is a rural area with a population of 7,023 and an uninsured rate of 12.0%, per U.S. Census Bureau ACS 2024 5-year estimates. The county has no acute care hospitals within its boundaries, meaning residents needing acute care must travel to a neighboring county. This makes understanding your plan's network and out-of-county coverage particularly important when selecting a health insurance policy.

Choosing the Right Select Health Plan or Alternative in Kit Carson County

When considering Select Health or any other carrier in Kit Carson County, your decision should be based on several factors:

Budget: Determine how much you can afford for monthly premiums and out-of-pocket costs (deductibles, copays, coinsurance). Bronze plans have lower premiums but higher out-of-pocket costs, while Gold and Platinum plans have higher premiums but lower out-of-pocket costs.
Healthcare Needs: If you anticipate frequent doctor visits or require specific medications, a plan with lower cost-sharing (like a Gold or Platinum plan, or a Silver plan with CSRs) might be more suitable.
Provider Network: Verify if your preferred doctors, specialists, and any necessary out-of-county hospitals are included in the plan's network. This is especially crucial given Kit Carson County's lack of local acute care facilities.
Financial Assistance: If your income qualifies, applying for APTCs and CSRs through Connect for Health Colorado can significantly impact your net costs.

A licensed health insurance producer can provide personalized guidance, helping you compare Select Health plans with offerings from Cigna, Denver Health Medical Plan, HMO Colorado, Kaiser Permanente, and United Healthcare, ensuring you find the best fit for your situation. Their services are free to you.

Frequently Asked Questions

Is Select Health a good option for health insurance in Kit Carson County?

Select Health is one of six carriers offering marketplace health insurance plans in Kit Carson County's Rating Area 9 for 2026. Evaluating if it's a good option depends on your specific health needs, budget, and preferred provider network. You can compare Select Health plans with others available on Connect for Health Colorado.

Can I get a subsidy for Select Health plans in Kit Carson County?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for Advance Premium Tax Credits (APTCs) to lower your monthly premiums for plans purchased through Connect for Health Colorado, including those from Select Health. Cost-sharing reductions (CSRs) may also be available for those with incomes up to 250% FPL who choose Silver-tier plans.

What types of health plans does Select Health offer in Kit Carson County?

In Colorado's marketplace, carriers like Select Health typically offer various plan types including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. PPO plans are available on-exchange in Colorado, offering more flexibility in provider choice compared to HMOs or EPOs. Specific plan availability from Select Health can be confirmed on Connect for Health Colorado.

How do I enroll in a Select Health plan in Kit Carson County?

You can enroll in a Select Health plan during the annual Open Enrollment Period through Connect for Health Colorado. If you experience a qualifying life event outside of this period, such as losing other coverage, getting married, or having a baby, you may be eligible for a Special Enrollment Period. Working with a licensed health insurance producer can simplify the application process and help you compare options.