Select Health Insurance in Rio Blanco County, Colorado

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

In 2026, Select Health is one of 6 carriers offering marketplace health insurance plans in Rio Blanco County's Rating Area 6.
Rio Blanco County residents with incomes up to 400% FPL may qualify for significant subsidies on plans purchased through Connect for Health Colorado.
Colorado has expanded Medicaid (Health First Colorado), covering adults with income up to 138% FPL, and pregnant women up to 195% FPL.
Rio Blanco County, with a population of 6,544, has an uninsured rate of 9.5%, slightly below the state average.

Navigating health insurance options in Rio Blanco County, Colorado, involves understanding both statewide programs and local carrier availability. For residents seeking coverage, including plans from Select Health, the primary avenue for subsidized health insurance is Connect for Health Colorado, the state's official health insurance marketplace. Here, individuals and families can compare a variety of plans, potentially lowering their monthly premiums and out-of-pocket costs with financial assistance. Select Health is a prominent carrier in Rating Area 6, which includes Rio Blanco County, offering various plan structures to meet different needs.

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What Health Plans Are Available in Rio Blanco County?

Residents of Rio Blanco County can access a range of health insurance plans through Connect for Health Colorado. In 2026, 6 carriers offer marketplace plans in Rating Area 6, which covers Delta, Garfield, Mesa, Moffat, Pitkin, and Rio Blanco counties. These carriers provide a selection of plan types, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) options. Unlike some states, Colorado allows PPO plans to be available on-exchange, giving consumers more flexibility in choosing their doctors and hospitals. Rio Blanco County, part of Colorado Rating Area 6, is one of the state's more rural counties, with a population of 6,544 and an uninsured rate of 9.5%, per U.S. Census Bureau ACS 2024 5-year estimates. While the county itself has no acute care hospitals, residents needing hospital services typically travel to neighboring counties within Rating Area 6. The median income in Rio Blanco County is $65,473, and the median age is 37.8 years.

Understanding Plan Tiers and Costs

Health insurance plans on Connect for Health Colorado are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate the level of cost-sharing between you and your insurer:

Metal Tier	You Pay (Estimated)	Plan Pays (Estimated)	Best For
Bronze	40%	60%	Lowest premiums, high deductibles; suited for those who rarely visit the doctor or want catastrophic coverage.
Silver	30%	70%	Moderate premiums and deductibles; eligible for cost-sharing reductions if income qualifies.
Gold	20%	80%	Higher premiums, lower deductibles; suited for those who expect to use medical services frequently.
Platinum	10%	90%	Highest premiums, very low deductibles; best for those with extensive medical needs.

For individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL), subsidies in the form of premium tax credits are available. These credits can be applied directly to your monthly premium, making coverage more affordable. Additionally, those with incomes up to 250% FPL may qualify for cost-sharing reductions, which lower out-of-pocket costs like deductibles, copayments, and coinsurance, making Silver plans particularly valuable.

Health First Colorado (Colorado Medicaid) and CHP+ in Rio Blanco County

Colorado expanded its Medicaid program in 2014, known locally as Health First Colorado. This expansion means that adults in Rio Blanco County with household incomes up to 138% of the Federal Poverty Level may qualify for comprehensive health coverage at little to no cost. This eliminates the "coverage gap" that exists in states that have not expanded Medicaid, ensuring that low-income individuals have access to essential healthcare services. For pregnant women and children, Colorado offers additional support through the Child Health Plan Plus (CHP+). Pregnant women with household incomes up to 195% FPL can receive comprehensive prenatal, delivery, and postpartum care through CHP+. Children in households up to 260% FPL also qualify for coverage under CHP+. Applications for Health First Colorado and CHP+ can be submitted through Colorado PEAK at colorado.gov/PEAK.

Health Insurance Carriers in Rio Blanco County

For the 2026 plan year, residents of Rio Blanco County can choose from a selection of 6 confirmed carriers offering plans through Connect for Health Colorado. These carriers provide a variety of options across different metal tiers and plan types (HMO, EPO, PPO), ensuring that individuals and families can find a plan that fits their specific healthcare needs and budget. The confirmed carriers for Rating Area 6, which includes Rio Blanco County, are:

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

When choosing a plan, it is important to consider factors such as the plan's network of doctors and specialists, prescription drug coverage, and out-of-pocket costs like deductibles and copayments. Select Health, as one of the available carriers, offers competitive options for residents in the area.

Making the Right Choice for Your Health Coverage

Choosing the right health insurance plan for yourself or your family in Rio Blanco County depends on several factors, including your income, health needs, and preferred doctors. If your household income is:

Below 138% FPL: You likely qualify for Health First Colorado (Medicaid). This offers comprehensive, low-cost coverage.
100% to 400% FPL: You are eligible for significant premium tax credits through Connect for Health Colorado. Consider a Silver plan, especially if your income is below 250% FPL, as you may also qualify for cost-sharing reductions.
Above 400% FPL: While you won't qualify for subsidies, you can still purchase a comprehensive plan through Connect for Health Colorado or directly from a carrier. Compare plans carefully to find the best value.

Regardless of your income, a licensed health insurance producer can provide free, unbiased assistance to help you understand your options, compare plans from carriers like Select Health, and enroll in coverage.

Frequently Asked Questions

What types of health plans does Select Health offer in Rio Blanco County?

In Colorado, Select Health typically offers a range of plan types, including HMO, EPO, and PPO plans, through Connect for Health Colorado. The specific offerings can vary by rating area and plan year, so it's essential to review the detailed plan documents for Rio Blanco County.

Can I get a subsidy for Select Health plans in Rio Blanco County?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits and cost-sharing reductions through Connect for Health Colorado. These subsidies can significantly lower your monthly premiums and out-of-pocket costs for plans, including those from Select Health.

Does Rio Blanco County have any hospitals?

Rio Blanco County does not have any acute care hospitals within its boundaries. Residents needing acute medical care typically travel to neighboring counties within Rating Area 6, which include Delta, Garfield, Mesa, Moffat, and Pitkin counties, for hospital services.

How do I apply for health insurance in Rio Blanco County?

You can apply for health insurance through Connect for Health Colorado, the state's official marketplace. If you believe you qualify for Health First Colorado (Medicaid) or CHP+, you can apply through Colorado PEAK (colorado.gov/PEAK). A licensed health insurance agent can also assist you with the application process for marketplace plans.