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

Select Health Health Insurance Plans in Larimer County, Colorado

Select Health is one of 6 health insurance carriers offering plans on Connect for Health Colorado in Larimer County for the 2026 plan year.
Larimer County is part of Colorado Rating Area 3, which is a single-county rating area serving a population of 367,368 residents.
Individuals and families with incomes between 100% and 400% of the Federal Poverty Level (FPL) may qualify for significant subsidies to reduce monthly premiums.
Colorado's Health First Colorado (Medicaid) covers adults up to 138% FPL, pregnant women up to 195% FPL, and children up to 260% FPL via CHP+.

If you're seeking health insurance in Larimer County, Colorado, Select Health offers a range of marketplace plans designed to meet diverse needs and budgets. As an authorized carrier on Connect for Health Colorado, the state's official health insurance marketplace, Select Health plans may be eligible for financial assistance, including premium tax credits and cost-sharing reductions. This means many Larimer County residents can access comprehensive coverage at a significantly reduced cost. Understanding your options, including plan types like HMOs, EPOs, and PPOs, and how subsidies work, is key to finding the right Select Health plan for you and your family.

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What Select Health Plans Are Available in Larimer County?

In Larimer County, residents can access Select Health plans through Connect for Health Colorado. This marketplace provides a structured way to compare plans from various carriers, including Select Health, side-by-side. The available plan types in Colorado include Health Maintenance Organizations (HMOs), Exclusive Provider Organizations (EPOs), and Preferred Provider Organizations (PPOs). PPO plans are indeed available on-exchange in Colorado, offering more flexibility in provider choice compared to HMOs or EPOs, which typically require you to stay within a defined network. Select Health, like other carriers, offers plans across different metal tiers: Bronze, Silver, Gold, and Platinum. These tiers categorize plans by how they split healthcare costs with you. Bronze plans have lower monthly premiums but higher out-of-pocket costs when you use care, making them suitable for those who expect minimal healthcare use. Gold and Platinum plans, conversely, have higher premiums but lower out-of-pocket costs, appealing to individuals or families who anticipate more frequent medical needs. Silver plans offer a balance and are particularly advantageous for those who qualify for cost-sharing reductions, which further lower deductibles, copayments, and out-of-pocket maximums.

Understanding Your Eligibility for Financial Assistance

Many Larimer County residents qualify for financial assistance, which can make Select Health plans, and other marketplace options, much more affordable. Connect for Health Colorado offers two main types of subsidies:

Premium Tax Credits (PTC): These credits reduce your monthly insurance premium. Eligibility is primarily based on your household income relative to the Federal Poverty Level (FPL) and household size. For 2026, individuals and families with incomes between 100% and 400% FPL typically qualify.
Cost-Sharing Reductions (CSR): These are available exclusively with Silver-tier plans and reduce the amount you pay for deductibles, copayments, and coinsurance when you receive care. CSRs are available to those with incomes up to 250% FPL.

Colorado expanded its Medicaid program, known as Health First Colorado, in 2014. This means adults with household incomes up to 138% of the Federal Poverty Level are eligible for comprehensive, low-cost or no-cost health coverage. Furthermore, Colorado's Child Health Plan Plus (CHP+) covers pregnant women with income up to 195% FPL with comprehensive prenatal, delivery, and postpartum care, and children in households up to 260% FPL. Larimer County's population of 367,368 and uninsured rate of 5.6% suggests many residents may benefit from these programs.

Health Insurance Carriers in Larimer County

Larimer County is part of Colorado Rating Area 3, which is a single-county rating area. In 2026, 6 carriers offer marketplace plans in Rating Area 3, providing residents with a robust selection of health insurance options. These carriers include:

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

Larimer County, with a population of 367,368 and a median income of $93,765 per U.S. Census Bureau ACS 2024 5-year estimates, is served by these carriers and its four acute care hospitals: Poudre Valley Hospital in Fort Collins, Banner North Co Medical Center - Loveland Campus in Loveland, Medical Center of the Rockies in Loveland, and Banner Fort Collins Medical Center in Fort Collins. These facilities provide essential healthcare services across the county.

Choosing the Right Select Health Plan for You

Selecting the best Select Health plan in Larimer County involves considering your healthcare needs, budget, and eligibility for financial assistance. Here's a guide to help you decide:

Your Situation	Recommended Action	Why This Matters
Income below 138% FPL	Apply for Health First Colorado (Medicaid) through Colorado PEAK.	You likely qualify for comprehensive, low-cost or no-cost coverage due to Colorado's Medicaid expansion.
Income 138% - 250% FPL	Consider a Silver-tier Select Health plan on Connect for Health Colorado.	You may qualify for both premium tax credits and significant cost-sharing reductions, lowering both your monthly payments and out-of-pocket costs.
Income 250% - 400% FPL	Explore Bronze, Silver, or Gold Select Health plans with premium tax credits.	You'll likely receive premium tax credits to reduce your monthly premiums, making a wider range of plans affordable.
Income above 400% FPL	Compare all metal tiers offered by Select Health on Connect for Health Colorado or directly with the carrier.	While not eligible for subsidies, you can still find comprehensive coverage. Consider your expected healthcare use to choose the best balance of premium and out-of-pocket costs.
Pregnant or have children	Check eligibility for CHP+ (Child Health Plan Plus) through Colorado PEAK.	CHP+ offers comprehensive coverage for pregnant women up to 195% FPL and children up to 260% FPL.

A licensed health insurance producer can provide personalized guidance, helping you navigate the options, compare plan benefits, and enroll in a Select Health plan that aligns with your specific needs and financial situation. This service is typically free to you.

Frequently Asked Questions

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

Yes, Select Health is one of 6 carriers offering plans on Connect for Health Colorado in Rating Area 3, which includes Larimer County, for the 2026 plan year. You can enroll in a Select Health plan and potentially receive financial assistance if you qualify.

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

While specific plan structures vary by carrier and year, Connect for Health Colorado generally offers HMO, EPO, and PPO plans. Select Health typically offers a range of options to meet different healthcare needs and budget considerations within Larimer County.

How do I know if I qualify for subsidies with a Select Health plan?

Eligibility for premium tax credits and cost-sharing reductions on Connect for Health Colorado depends on your household income and size. For 2026, individuals and families earning between 100% and 400% of the Federal Poverty Level (FPL) typically qualify for subsidies. A licensed agent can help you determine your exact eligibility.

Is Medicaid available in Larimer County through Health First Colorado?

Yes, Colorado expanded Medicaid (Health First Colorado) in 2014. Adults with household income up to 138% of the Federal Poverty Level can qualify for comprehensive, low-cost or no-cost health coverage. Pregnant women up to 195% FPL and children up to 260% FPL may qualify for coverage through CHP+.