Is Select Health available on the marketplace in Lone Tree, Colorado?

Yes, Select Health is one of 6 carriers offering plans on Connect for Health Colorado, the state marketplace, for residents in Lone Tree and the broader Rating Area 1 in 2026.

Can I get help paying for a Select Health plan in Lone Tree?

Yes, if your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits through Connect for Health Colorado. These subsidies can significantly lower your monthly premium for a Select Health plan or any other marketplace plan. Even if your income is above 400% FPL, you may still qualify for subsidies due to federal legislation.

What is Health First Colorado and how does it relate to health insurance in Lone Tree?

Health First Colorado is Colorado's Medicaid program. Since Colorado expanded Medicaid in 2014, adults with incomes up to 138% of the Federal Poverty Level can qualify for comprehensive, low-cost or no-cost health coverage. This provides an essential safety net for many Lone Tree residents who might not qualify for marketplace subsidies.

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

Select Health Insurance Plans in Lone Tree, Colorado

Q: What types of plans does Select Health offer in Lone Tree?

On Connect for Health Colorado, Select Health and other carriers offer a range of 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, giving you more flexibility.

Select Health is one of 6 confirmed carriers offering health insurance plans on Connect for Health Colorado in Lone Tree for the 2026 plan year.
Lone Tree is part of Colorado Rating Area 1, which includes Adams, Arapahoe, Broomfield, Denver, Douglas, and Jefferson counties.
Colorado's marketplace offers HMO, EPO, and PPO plan types, with PPOs available on-exchange, unlike some other states.
Adults in Colorado with incomes up to 138% of the Federal Poverty Level may qualify for Health First Colorado (Medicaid), expanded in 2014.
Lone Tree, with a population of 14,147, has a low uninsured rate of 4.0% per U.S. Census Bureau ACS 2024 5-year estimates.

For residents of Lone Tree, Colorado, understanding your health insurance options, particularly from carriers like Select Health, is crucial for securing comprehensive coverage. Colorado operates its own state-based marketplace, Connect for Health Colorado, which serves as the primary portal for individuals and families to enroll in Affordable Care Act (ACA) compliant plans and access financial assistance. Select Health is a confirmed participant in this marketplace for Lone Tree, offering various plans designed to meet different healthcare needs and budgets. Whether you're seeking individual coverage, family plans, or exploring options due to a life change, the marketplace in Colorado provides a structured way to compare plans and determine your eligibility for subsidies.

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What Health Insurance Options Are Available in Lone Tree, Colorado?

Lone Tree residents have access to a robust health insurance marketplace through Connect for Health Colorado. The state's commitment to expanded Medicaid and a competitive private market means a variety of choices for consumers. When shopping for health insurance, you will encounter different plan types, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. Importantly, PPO plans are available on-exchange in Colorado, offering greater flexibility in choosing providers compared to states where marketplace PPOs are not offered. These plans are categorized into metal tiers—Bronze, Silver, Gold, and Platinum—each offering a different balance of monthly premium costs versus out-of-pocket expenses when you receive care.

Understanding Plan Tiers and Costs

The metal tiers help you compare plans based on how costs are shared between you and the insurer:

Bronze plans typically have the lowest monthly premiums but the highest deductibles and out-of-pocket costs when you use services. They are designed to protect against catastrophic medical events.
Silver plans offer moderate premiums and out-of-pocket costs. They are particularly valuable if you qualify for cost-sharing reductions (CSRs), which can significantly lower your deductibles, copayments, and coinsurance.
Gold plans have higher monthly premiums but lower deductibles and out-of-pocket costs. These are suitable if you expect to use a fair amount of medical care throughout the year.
Platinum plans have the highest premiums but the lowest out-of-pocket costs, covering a very high percentage of your medical expenses.

Your eligibility for premium tax credits and cost-sharing reductions, determined by your household income, can greatly influence which metal tier provides the best value for your situation.

Health First Colorado (Medicaid) and CHP+ in Lone Tree

Colorado expanded its Medicaid program, known as Health First Colorado, in 2014. This expansion means that adults in Lone Tree with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive, low-cost or no-cost health coverage. This is a critical resource for many residents who might otherwise struggle to afford healthcare. Beyond traditional Medicaid, Colorado also offers the Child Health Plan Plus (CHP+) program. CHP+ provides affordable health and dental coverage for children in families with incomes up to 260% FPL and for pregnant women with incomes up to 195% FPL. Pregnant women who qualify for CHP+ receive comprehensive prenatal, delivery, and postpartum care. Those at or below 138% FPL will first qualify for Health First Colorado. Applications for both Health First Colorado and CHP+ can be submitted through Colorado PEAK (colorado.gov/PEAK).

Health Insurance Carriers in Lone Tree

For 2026, residents of Lone Tree, Colorado, have a strong selection of carriers offering plans on Connect for Health Colorado. Lone Tree is located in Colorado Rating Area 1, which covers Adams, Arapahoe, Broomfield, Denver, Douglas, and Jefferson counties. In 2026, 6 carriers offer marketplace plans in Rating Area 1, providing competitive options for individuals and families. The confirmed carriers offering plans in Lone Tree and Rating Area 1 include:

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

When choosing a plan, it's essential to consider not only the monthly premium but also the network of doctors, specialists, and hospitals that each carrier's plan includes. For example, Lone Tree's Sky Ridge Medical Center, an acute care hospital, is a major healthcare provider in Douglas County, alongside Adventhealth Parker, Adventhealth Castle Rock, and Uchealth Highlands Ranch Hospital. Ensuring your preferred providers are in-network is key to minimizing out-of-pocket costs. Lone Tree, with a population of 14,147, is located within Douglas County, which has a population of 377,150. The city's median income is $123,741, and its uninsured rate stands at 4.0%, per U.S. Census Bureau ACS 2024 5-year estimates. This reflects a relatively well-insured community, but access to affordable, quality care remains a priority. The availability of multiple carriers, including Select Health, ensures a competitive market for residents.

Making the Right Choice for Health Insurance in Lone Tree

Navigating health insurance options can feel overwhelming, but understanding your income and healthcare needs can simplify the process. Here’s a guide to help you make an informed decision:

If your household income is below 138% FPL: You likely qualify for Health First Colorado (Medicaid), which offers comprehensive coverage at little to no cost. Apply through Colorado PEAK.
If your household income is between 138% and 250% FPL: You may qualify for significant premium tax credits and cost-sharing reductions (CSRs) on Silver plans. CSRs can drastically lower your deductibles and out-of-pocket maximums, making Silver plans a very strong value.
If your household income is between 250% and 400% FPL: You are eligible for premium tax credits that can lower your monthly premiums, making Bronze, Silver, or Gold plans more affordable.
If your household income is above 400% FPL: You may still qualify for premium tax credits due to recent federal legislation, which expanded eligibility for subsidies. It's always worth checking your eligibility on Connect for Health Colorado.

A licensed health insurance producer can provide personalized guidance, helping you compare plans from carriers like Select Health, understand the nuances of networks, and ensure you receive all eligible financial assistance. This service is typically free to you.

Frequently Asked Questions

Can I enroll in a Select Health plan outside of Open Enrollment?

Generally, you must enroll during the annual Open Enrollment Period. However, certain life events, such as losing other coverage, getting married, having a baby, or moving to Lone Tree, can qualify you for a Special Enrollment Period (SEP), allowing you to enroll in a Select Health plan or another marketplace plan outside of Open Enrollment.

Are dental and vision plans included with Select Health health insurance?

ACA health insurance plans include essential health benefits, but adult dental and vision coverage is generally purchased separately. Most plans offer pediatric dental and vision benefits for children. You can often add standalone dental and vision plans through Connect for Health Colorado or directly from carriers like Select Health.

How do I find out if my doctor accepts Select Health plans?

The best way to confirm if your current doctor accepts a specific Select Health plan is to check the plan's provider directory on Connect for Health Colorado or the Select Health website. You can also call your doctor's office directly and ask which Select Health plans they accept. This is especially important for HMO and EPO plans, which have more restricted networks.

What is the difference between an HMO, EPO, and PPO plan in Colorado?

An HMO (Health Maintenance Organization) plan typically requires you to choose a primary care provider (PCP) and get referrals to see specialists, covering only in-network care. An EPO (Exclusive Provider Organization) plan doesn't usually require a PCP or referrals but only covers care from providers within its network. A PPO (Preferred Provider Organization) plan offers the most flexibility, allowing you to see any provider without a referral, and covers both in-network and out-of-network care, though out-of-network care typically costs more. Colorado's marketplace offers all three plan types.