Select Health Health Insurance in Northglenn, Colorado

In 2026, 6 carriers, including Select Health, offer marketplace plans in Northglenn's Rating Area 1 via Connect for Health Colorado.
Colorado expanded Medicaid (Health First Colorado) in 2014, covering adults up to 138% of the Federal Poverty Level.
Northglenn's uninsured rate is 8.5%, below Adams County's 11.6%, per U.S. Census Bureau ACS 2024 5-year estimates.
Connect for Health Colorado offers HMO, EPO, and PPO plans, with PPOs widely available on-exchange.

Navigating health insurance options in Northglenn, Colorado, involves understanding the plans available through Connect for Health Colorado, the state's official marketplace. For residents seeking coverage from carriers like Select Health, a range of choices exists, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. Colorado is a state-based marketplace where financial assistance, such as premium tax credits and cost-sharing reductions, can significantly lower monthly premiums and out-of-pocket costs for eligible individuals and families. This guide focuses on Select Health's presence and how Northglenn residents can secure comprehensive health coverage.

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What Health Insurance Options Does Select Health Offer in Northglenn?

Select Health is one of the carriers offering health insurance plans to residents of Northglenn, Colorado, through Connect for Health Colorado. These plans generally fall into categories like HMO, EPO, and PPO. Unlike some other states, Colorado's marketplace includes PPO plans, which provide more flexibility in choosing healthcare providers outside a defined network, often at a higher cost. HMO and EPO plans typically require members to use a specific network of doctors and hospitals, often requiring referrals for specialists in the case of HMOs. When evaluating Select Health plans, it is important to consider the tier of coverage: Bronze, Silver, Gold, and Platinum. Bronze plans have the lowest monthly premiums but the highest out-of-pocket costs, making them suitable for those who anticipate minimal healthcare use. Silver plans offer a balance of premiums and out-of-pocket costs, and they are the only plans eligible for cost-sharing reductions if you qualify based on income. Gold and Platinum plans have higher premiums but lower deductibles and out-of-pocket maximums, providing more comprehensive coverage for those who expect frequent medical care.

Understanding Financial Assistance and Medicaid in Northglenn

Many Northglenn residents can receive financial assistance to make health insurance more affordable. Connect for Health Colorado offers premium tax credits, which reduce your monthly premium, and cost-sharing reductions, which lower your deductible, copayments, and out-of-pocket maximums. Eligibility for these subsidies is based on your household income relative to the Federal Poverty Level (FPL). For individuals and families with lower incomes, Colorado's Medicaid program, Health First Colorado, provides comprehensive health coverage. Colorado expanded Medicaid in 2014, meaning adults with incomes up to 138% of the FPL may qualify for coverage with little to no cost. For example, a single adult earning up to approximately $20,120 annually (based on 2023 FPL, subject to annual updates) could be eligible. Additionally, Colorado's Child Health Plan Plus (CHP+) covers pregnant women with household incomes up to 195% FPL for comprehensive prenatal, delivery, and postpartum care. Children in households up to 260% FPL may also qualify for CHP+. Applications for these programs can be made through Colorado PEAK (colorado.gov/PEAK).

Health Insurance Carriers in Northglenn

Northglenn is part of Colorado Rating Area 1, which encompasses Adams, Arapahoe, Broomfield, Denver, Douglas, and Jefferson counties. In 2026, 6 carriers offer marketplace plans in Rating Area 1 through Connect for Health Colorado. These carriers provide a range of plan types, allowing residents to compare options and find coverage that best fits their needs and budget. The confirmed carriers for Northglenn's Rating Area 1 in 2026 are:

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

When reviewing plans, it is important to compare not only premiums but also deductibles, copayments, coinsurance, and the network of doctors and hospitals. Select Health, along with these other providers, offers various plans to serve the diverse healthcare needs of the community. Northglenn, with a population of 38,014 and a median income of $84,030, per U.S. Census Bureau ACS 2024 5-year estimates, is situated within Adams County, which has a population of 530,225. Adams County is served by several major hospital systems, including Intermountain Health Platte Valley Hospital in Brighton, University of Colorado Hospital Authority in Aurora, HCA Healthone Mountain Ridge in Thornton, and Children's Hospital Colorado in Aurora. The city's uninsured rate of 8.5% is lower than the Adams County average of 11.6%, indicating a higher rate of coverage among its residents.

Making Your Health Insurance Decision in Northglenn

Choosing the right health insurance plan, whether from Select Health or another carrier, requires careful consideration of several factors.

Assess Your Healthcare Needs: If you anticipate frequent doctor visits or have ongoing medical conditions, a Gold or Platinum plan with lower out-of-pocket costs might be more economical in the long run, despite higher monthly premiums. If you are generally healthy and prefer a lower premium, a Bronze plan might be suitable.
Check Provider Networks: Ensure that your preferred doctors, specialists, and hospitals are included in the plan's network, especially for HMO and EPO plans. Even PPO plans may offer lower costs for in-network care.
Utilize Subsidies: If your income falls within the eligible range (100-400% FPL for premium tax credits, below 250% FPL for cost-sharing reductions), apply for financial assistance through Connect for Health Colorado. This can significantly reduce your costs.
Consider Medicaid (Health First Colorado): If your income is at or below 138% FPL, you may qualify for Health First Colorado, providing comprehensive coverage at minimal cost.

A licensed health insurance producer can help you compare plans from Select Health and other carriers, understand your subsidy eligibility, and enroll in a plan that meets your specific needs and budget. This service is typically free to you.

Frequently Asked Questions

What types of health insurance plans does Select Health offer in Northglenn?

In Northglenn, Select Health, along with other carriers on Connect for Health Colorado, offers various 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, providing flexibility in choosing providers.

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

Yes, individuals and families in Northglenn may qualify for subsidies (premium tax credits and cost-sharing reductions) through Connect for Health Colorado. Eligibility for these subsidies depends on your household income relative to the Federal Poverty Level (FPL). Most households earning between 100% and 400% FPL can receive premium tax credits, and those below 250% FPL may also qualify for cost-sharing reductions.

How does Medicaid work in Northglenn, Colorado?

Colorado expanded Medicaid in 2014, known as Health First Colorado. Adults in Northglenn with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive health coverage at little to no cost. Pregnant women may qualify for coverage through Child Health Plan Plus (CHP+) up to 195% FPL, and children up to 260% FPL.

What is Rating Area 1 and how does it affect my health plan options?

Northglenn is located in Colorado Rating Area 1, which covers Adams, Arapahoe, Broomfield, Denver, Douglas, and Jefferson counties. Health insurance premiums and the specific plans offered by carriers like Select Health are determined at the rating area level. This means that plans and pricing are standardized across all counties within Rating Area 1.