Select Health Health Insurance in Las Animas County, Colorado
- In 2026, 6 carriers, including Select Health, offer marketplace health plans in Las Animas County through Connect for Health Colorado.
- Las Animas County is part of Colorado Rating Area 9, which includes 28 other counties.
- Colorado's Health First Colorado (Medicaid) covers adults up to 138% FPL and pregnant women up to 195% FPL via CHP+.
- The uninsured rate in Las Animas County is 8.4%, slightly above the state average of 6.7%.
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What Health Insurance Plans Does Select Health Offer in Las Animas County?
Select Health is one of the carriers participating in Colorado's health insurance marketplace, Connect for Health Colorado, for the 2026 plan year. While specific plan details like metal tiers (Bronze, Silver, Gold, Platinum) and network types (HMO, EPO, PPO) vary by carrier and plan, Select Health offers competitive options designed to meet diverse needs. All plans sold on Connect for Health Colorado must cover the ten essential health benefits, including prescription drugs, mental health care, maternity care, and preventive services. When evaluating Select Health plans, consider the monthly premium, deductible, out-of-pocket maximum, and whether your preferred doctors and hospitals are in-network.Understanding Your Marketplace Options in Las Animas County
Residents of Las Animas County have access to a variety of health insurance plans through Connect for Health Colorado. The marketplace simplifies comparing options by standardizing plan tiers and clearly outlining available subsidies.Plan Metal Tiers and What They Mean
Health insurance plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate how costs are split between you and your insurance company:- Bronze Plans: Typically have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. They cover about 60% of your medical costs, with you paying the remaining 40%. Bronze plans are a good choice if you expect to use medical services infrequently.
- Silver Plans: Offer a moderate balance between monthly premiums and out-of-pocket costs. They cover about 70% of your medical costs. Silver plans are particularly beneficial for individuals and families who qualify for cost-sharing reductions, which can significantly lower deductibles, copayments, and coinsurance.
- Gold Plans: Feature higher monthly premiums but lower deductibles and out-of-pocket maximums. They cover about 80% of your medical costs. Gold plans are suitable if you anticipate needing frequent medical care or prefer more predictable costs throughout the year.
- Platinum Plans: Have the highest monthly premiums but the lowest deductibles and out-of-pocket maximums, covering about 90% of your medical costs. These plans are ideal for those who expect extensive medical needs and want minimal out-of-pocket expenses when receiving care.
Financial Assistance and Eligibility
Many Las Animas County residents qualify for financial assistance, which can make health insurance more affordable.- Premium Tax Credits: These subsidies reduce your monthly premium. Eligibility is based on household income relative to the Federal Poverty Level (FPL). In Colorado, individuals and families with incomes between 100% and 400% FPL may qualify, and sometimes higher, depending on household size and location.
- Cost-Sharing Reductions (CSRs): These subsidies lower your out-of-pocket costs like deductibles, copayments, and coinsurance. CSRs are only available with Silver plans and are for individuals and families with incomes up to 250% FPL.
Health Insurance Carriers in Las Animas County
In 2026, 6 carriers offer marketplace plans in Colorado Rating Area 9, which 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. Residents of Las Animas County can explore plans from the following confirmed carriers:- Cigna
- Denver Health Medical Plan
- HMO Colorado
- Kaiser Permanente
- Select Health
- United Healthcare
Medicaid and CHIP in Colorado
Colorado expanded its Medicaid program, known as Health First Colorado, in 2014. This means that adults in Las Animas County with household incomes up to 138% of the Federal Poverty Level (FPL) are eligible for comprehensive health coverage at little to no cost. Additionally, Colorado's Child Health Plan Plus (CHP+) provides coverage for specific groups:- Pregnant Women: Coverage is available for pregnant women with household incomes up to 195% FPL. Because Colorado has expanded Medicaid, women at or below 138% FPL qualify for full Health First Colorado benefits first. The 195% FPL threshold is the ceiling for the CHP+ pregnancy category, offering comprehensive prenatal, delivery, and postpartum care.
- Children: CHP+ also covers children in households with incomes up to 260% FPL.
Making Your Health Insurance Decision in Las Animas County
Choosing the right health insurance plan in Las Animas County involves evaluating your health needs, budget, and eligibility for financial assistance.| Your Household Income (as % FPL) | Recommended Action | Key Benefit |
|---|---|---|
| Below 138% FPL | Apply for Health First Colorado (Medicaid) | Comprehensive coverage at little to no cost. |
| 100% - 250% FPL | Consider a Silver plan with Cost-Sharing Reductions | Reduced deductibles, copayments, and premiums. |
| 250% - 400% FPL (and higher) | Compare Bronze, Silver, and Gold plans with Premium Tax Credits | Lower monthly premiums, more plan choices. |
| Above 400% FPL | Compare unsubsidized plans on Connect for Health Colorado or directly with carriers | Access to the same quality plans without financial assistance. |
Frequently Asked Questions
What is Connect for Health Colorado?
Connect for Health Colorado is the state's official health insurance marketplace. It allows individuals, families, and small businesses to compare and enroll in health plans, and to determine eligibility for financial assistance like premium tax credits and cost-sharing reductions.
Are PPO plans available on the marketplace in Las Animas County?
Yes, PPO plans are available on-exchange in Colorado, including in Las Animas County. Shoppers on Connect for Health Colorado can choose from HMO, EPO, and PPO structures, which provides more flexibility in provider choice compared to states where PPOs are not offered on the marketplace.
When can I enroll in a health insurance plan in Las Animas County?
The primary enrollment period is during Open Enrollment, typically from November 1 to January 15 each year. Outside of Open Enrollment, you may qualify for a Special Enrollment Period if you experience a qualifying life event such as losing other coverage, getting married, having a baby, or moving to Las Animas County.
How does Las Animas County's uninsured rate compare to the state average?
Las Animas County has an uninsured rate of 8.4%, which is slightly higher than Colorado's statewide uninsured rate of 6.7%. This figure is based on U.S. Census Bureau ACS 2024 5-year estimates.