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

Select Health Insurance Plans in Loveland, Colorado

Select Health is one of six carriers offering marketplace plans in Loveland's Rating Area 3 for 2026.
Loveland residents can find Select Health HMO, EPO, and PPO plans through Connect for Health Colorado.
Colorado expanded Medicaid in 2014; adults up to 138% FPL may qualify for Health First Colorado.
The uninsured rate in Loveland is 7.1%, slightly higher than Larimer County's 5.6% (U.S. Census Bureau ACS 2024 5-year estimates).

If you're looking for health insurance options in Loveland, Colorado, Select Health is one of the key providers available through Connect for Health Colorado, the state's official health insurance marketplace. As a resident of Loveland, you have access to a variety of plans from Select Health, including HMO, EPO, and PPO options, allowing you to choose coverage that best fits your healthcare needs and budget. These plans are available with potential financial assistance, such as premium tax credits, for eligible individuals and families based on household income. Understanding your options and how to apply can help you secure comprehensive coverage.

Get Your Free Health Insurance Quote

A licensed agent can compare coverage options for you at no cost.

✓

You're all set!

A licensed agent will reach out shortly.

What Select Health Plans Are Available in Loveland?

Select Health offers a range of health insurance plans on Connect for Health Colorado for residents of Loveland and Larimer County. In Colorado's Rating Area 3, which includes Loveland, you will find plans structured as Health Maintenance Organizations (HMOs), Exclusive Provider Organizations (EPOs), and Preferred Provider Organizations (PPOs). This means you have flexibility in choosing a plan with a network structure that suits you, whether you prefer the managed care of an HMO, the provider choice of an EPO, or the greater flexibility of a PPO that includes out-of-network benefits. All plans offered through Connect for Health Colorado cover essential health benefits, including doctor visits, prescription drugs, hospital care, and mental health services.

How to Choose the Right Select Health Plan for You

Selecting the ideal Select Health plan involves considering several factors specific to your healthcare needs and financial situation. Here’s what to look for:

Network Type (HMO, EPO, PPO): Consider whether you need the flexibility to see specialists without referrals (often available in PPOs and some EPOs) or if you prefer a more coordinated care approach within a specific network (typical of HMOs). Select Health offers all three types in Loveland.
Premium vs. Out-of-Pocket Costs: Bronze plans typically have lower monthly premiums but higher deductibles and out-of-pocket maximums. Gold plans have higher premiums but lower out-of-pocket costs when you use care. If you qualify for subsidies, a Silver plan with Cost-Sharing Reductions (CSRs) can provide excellent value by lowering your deductibles, copayments, and coinsurance.
Prescription Drug Coverage: If you take regular medications, check the plan's formulary to ensure your prescriptions are covered and understand their cost-sharing tier.
Doctor and Hospital Affiliations: Verify if your preferred doctors, specialists, and local hospitals like Banner North Co Medical Center - Loveland Campus or Medical Center of the Rockies are in-network with the specific Select Health plan you are considering.

Financial Assistance for Select Health Plans in Loveland

Many Loveland residents qualify for financial assistance, making health insurance more affordable. Colorado, through Connect for Health Colorado, offers two primary types of subsidies:

Premium Tax Credits (PTCs): These credits reduce your monthly premium payments. Eligibility is based on household income, generally for those earning between 100% and 400% of the Federal Poverty Level (FPL). Enhanced subsidies, which expand eligibility and increase the amount of assistance, are available through 2025.
Cost-Sharing Reductions (CSRs): These are available only with Silver-tier plans and reduce your deductibles, copayments, and coinsurance. You must have an income between 100% and 250% of the FPL to qualify for CSRs.

For example, a single adult in Loveland with an income of $35,000 (around 250% FPL) would likely qualify for significant premium tax credits and cost-sharing reductions, making a Silver plan much more affordable.

Health Insurance Carriers in Loveland

For residents of Loveland, located in Colorado Rating Area 3, there are multiple choices for health insurance coverage through Connect for Health Colorado. In 2026, 6 carriers offer marketplace plans in Rating Area 3, ensuring a competitive market with a variety of options. These carriers include:

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

Loveland, Colorado, within Larimer County, serves a population of 78,410 residents with a median income of $84,604, per U.S. Census Bureau ACS 2024 5-year estimates. The uninsured rate in Loveland is 7.1%, which is higher than the 5.6% uninsured rate for Larimer County's broader population of 367,368. Major acute care facilities serving the area include Banner North Co Medical Center - Loveland Campus and Medical Center of the Rockies, both located in Loveland, as well as Poudre Valley Hospital and Banner Fort Collins Medical Center in nearby Fort Collins.

Medicaid and CHIP in Colorado

Colorado expanded its Medicaid program in 2014, known as Health First Colorado. 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. For example, a single individual earning up to approximately $20,120 per year could be eligible. Additionally, Colorado's Child Health Plan Plus (CHP+) provides coverage for pregnant women with incomes up to 195% FPL and children in households up to 260% FPL. Pregnant women at or below 138% FPL would first qualify for Health First Colorado. Applications for these programs can be submitted through Colorado PEAK (colorado.gov/PEAK).

Your Next Steps for Health Coverage in Loveland

Navigating health insurance options can be complex, but help is available. Here's a guide to your next steps:

Determine Eligibility for Medicaid: If your income is at or below 138% FPL, apply for Health First Colorado through Colorado PEAK.
Explore Marketplace Plans: If your income is above 138% FPL, visit Connect for Health Colorado to compare plans from Select Health and other carriers. Pay close attention to plan benefits, network type, and estimated out-of-pocket costs.
Check for Subsidies: When applying through Connect for Health Colorado, you will automatically be assessed for eligibility for premium tax credits and cost-sharing reductions.
Consider Expert Guidance: A licensed health insurance producer can provide personalized assistance, helping you compare Select Health plans against other options, understand your subsidy eligibility, and enroll in a plan that meets your needs. This service is typically free to you.

Frequently Asked Questions

Is Select Health available on Connect for Health Colorado?

Yes, Select Health is one of six carriers offering health insurance plans on Colorado's state-based marketplace, Connect for Health Colorado, for residents in Loveland and throughout Rating Area 3 for the 2026 plan year.

What types of plans does Select Health offer in Loveland, CO?

In Loveland, Select Health offers HMO, EPO, and PPO health insurance plans through Connect for Health Colorado. This allows consumers to choose plans with varying network structures and cost-sharing arrangements, including plans that offer out-of-network coverage.

Can I get financial assistance for a Select Health plan in Loveland?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level, you may qualify for premium tax credits (subsidies) to help reduce your monthly premiums for a Select Health plan purchased through Connect for Health Colorado. Enhanced subsidies are available through 2025.

How does Medicaid (Health First Colorado) work in Loveland?

Colorado expanded Medicaid in 2014, meaning adults with household income up to 138% of the Federal Poverty Level may qualify for Health First Colorado. This program provides comprehensive health coverage at little to no cost for eligible residents in Loveland.