Is Select Health available on the marketplace in Longmont, Colorado?

Yes, Select Health is one of six confirmed carriers offering health insurance plans on Connect for Health Colorado, the state's official marketplace, for residents in Longmont and Boulder County (Rating Area 2) in 2026.

Can I get financial help to pay for a Select Health plan in Longmont?

Yes, individuals and families in Longmont may qualify for premium tax credits and cost-sharing reductions through Connect for Health Colorado if their income falls within specific federal poverty level guidelines. These subsidies can significantly lower monthly premiums and out-of-pocket costs.

What is Connect for Health Colorado?

Connect for Health Colorado is Colorado's state-based health insurance marketplace. It's where individuals, families, and small businesses can compare and enroll in health plans, and access financial assistance like premium tax credits and cost-sharing reductions.

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

Select Health Insurance Plans in Longmont, Colorado

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

In Colorado, Select Health typically offers a range of plan types, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) options through Connect for Health Colorado. PPO plans are available on-exchange in Colorado.

Select Health is one of 6 carriers offering marketplace plans in Longmont's Rating Area 2 for 2026.
Longmont residents may qualify for subsidies through Connect for Health Colorado to lower monthly premiums and out-of-pocket costs.
PPO plans, alongside HMO and EPO options, are available on the Colorado marketplace, offering more flexibility in network choice.
Adults with income up to 138% of the Federal Poverty Level may qualify for Health First Colorado (Medicaid), offering comprehensive, low-cost coverage.

For residents of Longmont, Colorado, securing reliable health insurance is a crucial step towards maintaining well-being. Select Health is a prominent carrier offering various health insurance plans in the Longmont area through Connect for Health Colorado, the state's official health insurance marketplace. Whether you are seeking individual, family, or small business coverage, understanding your options, potential financial assistance, and local provider networks is key to making an informed decision. This guide will walk you through the specifics of Select Health coverage and other marketplace choices available in Rating Area 2, which includes Boulder County.

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How to Find Select Health Plans in Longmont

Finding a Select Health plan in Longmont begins with understanding the local marketplace. Colorado operates its own state-based marketplace, Connect for Health Colorado. This platform allows residents to compare plans from multiple carriers, including Select Health, and determine their eligibility for financial assistance. The plans offered through Connect for Health Colorado are Affordable Care Act (ACA)-compliant, meaning they cover essential health benefits and cannot deny coverage based on pre-existing conditions. When searching for a plan, you will typically encounter different metal tiers: Bronze, Silver, Gold, and Platinum. These tiers reflect how costs are shared between you and your insurance company. Bronze plans have lower monthly premiums but higher deductibles and out-of-pocket maximums, making them suitable for those who anticipate minimal medical care. Silver plans offer a balance of moderate premiums and out-of-pocket costs, and are the only plans eligible for cost-sharing reductions (CSRs) for those who qualify. Gold and Platinum plans have higher premiums but lower out-of-pocket expenses, ideal for individuals who expect to use medical services frequently.

Health Insurance Carriers in Longmont

In 2026, 6 carriers offer marketplace plans in Rating Area 2, which encompasses Boulder County and the city of Longmont. These carriers provide a range of options, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. Unlike some states, PPO plans are available on-exchange in Colorado, offering Longmont residents more flexibility in choosing their doctors and specialists. The confirmed carriers for Longmont's Rating Area 2 in 2026 are:

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

When evaluating Select Health or any other carrier, consider factors such as monthly premiums, deductibles, copayments, coinsurance, and the breadth of their provider network, especially if you have preferred doctors or hospitals. Longmont residents have access to several major medical facilities within Boulder County, including Longmont United Hospital and Longs Peak Hospital, both located in Longmont, as well as Boulder Community Health in Boulder.

Understanding Financial Assistance and Medicaid in Colorado

Many Longmont residents may qualify for financial assistance to make health insurance more affordable. Through Connect for Health Colorado, two main types of subsidies are available:

Premium Tax Credits: These reduce your monthly premium payment. Eligibility is based on household income relative to the Federal Poverty Level (FPL). Even middle-income individuals and families can qualify, especially with the enhanced subsidies currently available.
Cost-Sharing Reductions (CSRs): These reduce your out-of-pocket costs like deductibles, copayments, and coinsurance. CSRs are only available with Silver-tier plans and are for individuals and families with incomes up to 250% FPL.

Colorado expanded its Medicaid program, known as Health First Colorado, in 2014. This means that adults with household incomes up to 138% of the Federal Poverty Level may qualify for comprehensive health coverage at little to no cost. Longmont residents who fall into this income bracket should apply for Health First Colorado through Colorado PEAK (colorado.gov/PEAK) rather than a marketplace plan. This program provides robust benefits without the premiums and significant out-of-pocket costs associated with private insurance. For pregnant women in Longmont, Colorado offers the Child Health Plan Plus (CHP+) program, which covers those with incomes up to 195% FPL with comprehensive prenatal, delivery, and postpartum care. Children in households up to 260% FPL can also qualify for CHP+. Because Colorado has expanded Medicaid, women at or below 138% FPL will first qualify for full Health First Colorado benefits.

Making Your Health Insurance Decision in Longmont

Choosing the right health insurance plan, whether from Select Health or another carrier, requires careful consideration of your unique circumstances. Longmont, Colorado, with a population of 99,406 and an uninsured rate of 7.2% per U.S. Census Bureau ACS 2024 5-year estimates, offers a robust marketplace for its residents. Boulder County, as part of Rating Area 2, provides access to 6 carriers and 5 acute care hospitals, including Longmont United Hospital and Longs Peak Hospital, which are key facilities for local residents. Here's a decision-making framework:

If your income is below 138% FPL: Apply for Health First Colorado (Medicaid) through Colorado PEAK. This is typically the most comprehensive and affordable option.
If your income is between 138% and 250% FPL: Focus on Silver-tier plans through Connect for Health Colorado. You will likely qualify for both premium tax credits and cost-sharing reductions, making Silver plans a strong value.
If your income is above 250% FPL: Compare plans across all metal tiers (Bronze, Silver, Gold, Platinum) on Connect for Health Colorado. You may still qualify for premium tax credits, especially at higher income levels with the enhanced subsidies. Consider your expected medical needs and budget.

A licensed health insurance producer can provide personalized guidance, helping you compare plans, understand network details, and navigate the enrollment process for free.

Frequently Asked Questions

Is Select Health considered a good insurance company in Colorado?

Select Health is a well-established carrier that offers a variety of ACA-compliant plans in Colorado, including in the Longmont area. "Good" is subjective and depends on individual needs regarding network, plan type (HMO, EPO, PPO), and cost-sharing. It is always recommended to compare specific plan details and provider networks to ensure it meets your healthcare requirements.

Can I enroll in a Select Health plan outside of open enrollment?

Generally, you can only enroll in an ACA health plan during the annual Open Enrollment Period. However, you may qualify for a Special Enrollment Period (SEP) if you experience a qualifying life event, such as losing other coverage, getting married, having a baby, or moving to a new service area. If you qualify, you typically have 60 days from the event to enroll.

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

HMO (Health Maintenance Organization): Requires you to choose a primary care provider (PCP) within the network and get referrals for specialists.
EPO (Exclusive Provider Organization): Does not require a PCP or referrals, but only covers care from providers within its network (except for emergencies).
PPO (Preferred Provider Organization): Offers more flexibility; you can see any doctor or specialist, in or out of network, without a referral. Out-of-network care typically costs more. In Colorado, PPO plans are available on-exchange.

What hospitals in Longmont might be in-network with Select Health?

While specific network details vary by plan, major hospitals in Boulder County that could be in-network with Select Health plans include Longmont United Hospital and Longs Peak Hospital in Longmont, as well as Boulder Community Health in Boulder. It is crucial to verify if your specific plan includes your preferred doctors and hospitals before enrolling.