Select Health Insurance Plans in San Juan County, Colorado
- Select Health is one of 6 carriers offering marketplace plans in San Juan County's Rating Area 8 for 2026.
- Colorado's marketplace, Connect for Health Colorado, offers subsidies to lower premiums for individuals earning up to 400% FPL.
- San Juan County residents can choose from HMO, EPO, and PPO plans on-exchange, unlike some other states.
- Medicaid (Health First Colorado) is available for adults with incomes up to 138% FPL in Colorado.
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What Select Health Plans Are Available in San Juan County?
Select Health offers various health insurance plans through Connect for Health Colorado, serving residents of San Juan County and the broader Rating Area 8. In Colorado, marketplace shoppers have access to multiple plan structures, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. This allows for flexibility in choosing a plan that balances network access, cost, and referral requirements. Select Health's specific offerings for 2026 will detail the benefits, deductibles, and out-of-pocket maximums for each available plan tier (Bronze, Silver, Gold, Platinum, and Catastrophic). When considering a Select Health plan, it is important to review the plan's Summary of Benefits and Coverage (SBC) to understand the specifics of what is covered, how much you will pay for different services, and whether your preferred doctors and facilities are in-network. San Juan County, with a population of just 724 and an uninsured rate of 10.1% per U.S. Census Bureau ACS 2024 5-year estimates, is part of Rating Area 8, which covers Archuleta, Dolores, Gunnison, Hinsdale, La Plata, Mineral, Montezuma, Montrose, Ouray, Rio Grande, Saguache, San Juan, San Miguel counties. Residents of this rural county, which has no acute care hospitals, often travel to neighboring counties for extensive medical services, making a robust provider network a key consideration for any health plan.Understanding Marketplace Subsidies and Financial Aid
Affording health insurance is a primary concern for many, and Connect for Health Colorado offers significant financial assistance to eligible individuals and families. These subsidies, known as Advance Premium Tax Credits (APTCs), reduce your monthly premium payments directly. Eligibility for APTCs is based on your household income relative to the Federal Poverty Level (FPL), with assistance available for those earning between 100% and 400% FPL. In addition to premium subsidies, many individuals and families may qualify for Cost-Sharing Reductions (CSRs). CSRs lower the amount you have to pay out-of-pocket for healthcare, including deductibles, copayments, and coinsurance. You are eligible for CSRs if your income is between 100% and 250% FPL and you enroll in a Silver-tier plan. These reductions can significantly decrease your financial burden when you need medical care.| Household Size | 100% FPL | 138% FPL (Medicaid Max) | 250% FPL (CSR Max) | 400% FPL (APTC Max) |
|---|---|---|---|---|
| 1 | $14,580 | $20,110 | $36,450 | $58,320 |
| 2 | $19,720 | $27,214 | $49,300 | $78,880 |
| 3 | $24,860 | $34,317 | $62,150 | $99,440 |
| 4 | $30,000 | $41,420 | $75,000 | $120,000 |
| These figures are estimates based on past FPL guidelines and subject to change for 2026. Consult Connect for Health Colorado for current figures. | ||||
Medicaid and CHP+ in San Juan County
For residents of San Juan County with lower incomes, Colorado offers robust public health insurance programs. 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 (FPL) may qualify for comprehensive health coverage at little to no cost. Additionally, Colorado's Child Health Plan Plus (CHP+) provides coverage for pregnant women and children. Pregnant women with incomes up to 195% FPL can receive comprehensive prenatal, delivery, and postpartum care through CHP+. Children in households with incomes up to 260% FPL are also eligible for CHP+. These programs ensure that essential healthcare services are accessible to vulnerable populations in San Juan County. Applications for Health First Colorado and CHP+ can be submitted through Colorado PEAK at colorado.gov/PEAK.Health Insurance Carriers in San Juan County
For 2026, residents of San Juan County, which is part of Colorado Rating Area 8, have a strong selection of carriers offering marketplace plans through Connect for Health Colorado. In 2026, 6 carriers offer marketplace plans in Rating Area 8, providing a competitive market with diverse plan options. Select Health is one of these key providers. The confirmed carriers for San Juan County and Rating Area 8 for the 2026 plan year include:- Cigna
- Denver Health Medical Plan
- HMO Colorado
- Kaiser Permanente
- Select Health
- United Healthcare
Making Your Health Insurance Decision in San Juan County
Choosing the right health insurance plan in San Juan County involves evaluating your income, health needs, and preferred providers. Here’s a summary of how to approach your decision:- If your income is below 138% FPL: You likely qualify for Health First Colorado (Medicaid). Apply through Colorado PEAK for no-cost or very low-cost comprehensive coverage.
- If your income is 100% to 400% FPL: You are eligible for Advance Premium Tax Credits (APTCs) to reduce your monthly premiums on Connect for Health Colorado.
- If your income is 100% to 250% FPL: Consider a Silver-tier plan on Connect for Health Colorado to maximize Cost-Sharing Reductions (CSRs), which lower your out-of-pocket costs.
- If your income is above 400% FPL: You can still purchase a plan through Connect for Health Colorado or directly from a carrier. While not eligible for APTCs, you benefit from ACA protections and standardized plan benefits.
- Consider your health needs: If you anticipate frequent medical care, a Gold or Platinum plan might offer lower out-of-pocket costs despite higher premiums. If you are generally healthy, a Bronze or Silver plan with subsidies might be more cost-effective.
Frequently Asked Questions
What types of health insurance plans does Select Health offer in San Juan County?
In San Juan County, Select Health offers plans through Connect for Health Colorado, the state-based marketplace. Colorado residents can choose from various plan types, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans, depending on the specific offerings from Select Health for the 2026 plan year.
Can I get a subsidy for Select Health plans in San Juan County?
Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for Advance Premium Tax Credits (APTCs) to lower your monthly premiums for plans purchased through Connect for Health Colorado, including those from Select Health. Individuals and families with incomes below 250% FPL may also qualify for Cost-Sharing Reductions (CSRs) on Silver plans.
How does Medicaid work in San Juan County, Colorado?
Colorado expanded Medicaid in 2014, meaning adults with income up to 138% of the Federal Poverty Level (FPL) may qualify for Health First Colorado, the state's Medicaid program, at little to no cost. Pregnant women with incomes up to 195% FPL and children in households up to 260% FPL may qualify for CHP+ (Child Health Plan Plus). You can apply through Colorado PEAK (colorado.gov/PEAK).
Is Open Enrollment the only time I can enroll in a Select Health plan?
While Open Enrollment is the primary period to select a new plan or change your existing one, you may qualify for a Special Enrollment Period (SEP) outside of this window if you experience a qualifying life event. Common qualifying life events include marriage, divorce, having a baby, losing other health coverage, or moving to a new area.