Understanding Select Health Insurance Options in Severance, Colorado

Q: Can I get help paying for health insurance in Severance?

Yes, most Severance residents qualify for subsidies (premium tax credits and cost-sharing reductions) to lower monthly premiums and out-of-pocket costs, especially if their income is between 100% and 400% of the Federal Poverty Level. These are available through Connect for Health Colorado.

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

Select Health is one of 6 carriers offering marketplace plans in Severance, Colorado's Rating Area 4 for 2026.
Severance residents can enroll in Select Health plans, and other carrier plans, through Connect for Health Colorado, the state's official marketplace.
Colorado has expanded Medicaid (Health First Colorado), covering adults with income up to 138% of the Federal Poverty Level.
Most Severance households qualify for financial assistance, significantly reducing monthly premiums and out-of-pocket costs on marketplace plans.

For residents of Severance, Colorado, understanding your health insurance options, particularly those offered by carriers like Select Health, is crucial for securing comprehensive and affordable coverage. Select Health is among the six carriers providing plans through Connect for Health Colorado, the state-based marketplace, making it a viable option for individuals and families in the area. This article will guide you through the specifics of Select Health plans in Severance, how to access financial assistance, and the broader landscape of health coverage in Weld County.

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What Health Insurance Options Does Select Health Offer in Severance?

Select Health offers various health insurance plans that Severance residents can access through Connect for Health Colorado. These plans typically come in different metal tiers—Bronze, Silver, Gold, and Platinum—each designed to balance monthly premiums with out-of-pocket costs. Bronze plans have lower premiums but higher deductibles and copayments, while Gold and Platinum plans offer more comprehensive coverage with lower out-of-pocket expenses for higher monthly premiums. In Colorado, marketplace shoppers in Severance can choose from HMO, EPO, and PPO plan structures, with PPO plans being available on-exchange, unlike some other states. Selecting the right plan involves considering your anticipated healthcare needs, budget, and preferred provider network. For example, if you visit the doctor frequently or manage a chronic condition, a Gold plan might offer better value despite a higher premium. If you are generally healthy and primarily want coverage for emergencies, a Bronze plan could be more suitable. It is important to review each plan's summary of benefits to understand deductibles, copayments, coinsurance, and out-of-pocket maximums.

How to Enroll in a Select Health Plan Through Connect for Health Colorado

Enrollment for Select Health plans, and all other marketplace plans, is managed by Connect for Health Colorado. This is Colorado's state-based marketplace, which allows residents to compare plans, check eligibility for financial assistance, and enroll in coverage. The primary enrollment period is during Open Enrollment, which typically runs from November 1 to January 15 each year for coverage beginning the following year. However, if you experience a qualifying life event outside of Open Enrollment, you may be eligible for a Special Enrollment Period (SEP). Common qualifying life events include:

Losing existing health coverage (e.g., due to job loss, COBRA expiration, aging off a parent's plan)
Getting married or divorced
Having a baby, adopting a child, or placing a child for adoption
Moving to a new area where your current plan is not available
Changes in income that affect subsidy eligibility

To enroll or see if you qualify for a Special Enrollment Period, you can visit the Connect for Health Colorado website or contact a licensed health insurance producer for free, personalized assistance.

Financial Assistance for Health Insurance in Severance

Many Severance residents qualify for financial assistance to make health insurance more affordable. This assistance comes in two main forms:

Premium Tax Credits (Subsidies): These reduce your monthly premium payment. Eligibility is based on household income relative to the Federal Poverty Level (FPL). In Colorado, individuals and families with incomes between 100% and 400% FPL typically qualify, and even higher for some households under current rules.
Cost-Sharing Reductions (CSRs): These lower your out-of-pocket costs, such as deductibles, copayments, and coinsurance. CSRs are only available with Silver-tier plans and are designed for individuals and families with incomes up to 250% FPL.

For example, a single person in Severance earning $35,000 per year (approximately 230% FPL) would likely qualify for significant premium tax credits and cost-sharing reductions, making a Silver plan particularly valuable. Colorado has also expanded its Medicaid program, known as Health First Colorado. Adults with incomes up to 138% of the Federal Poverty Level qualify for comprehensive health coverage at little to no cost. For a single individual, this means an annual income of approximately $20,120 or less in 2026. Pregnant women in Colorado may qualify for Child Health Plan Plus (CHP+) up to 195% FPL, and children up to 260% FPL. You can apply for these programs through Colorado PEAK (colorado.gov/PEAK).

Health Insurance Carriers in Severance

Severance is located in Colorado Rating Area 4, which is a single-county rating area covering all of Weld County. In 2026, 6 carriers offer marketplace plans in Rating Area 4 through Connect for Health Colorado, providing a range of choices for residents. These confirmed local carriers include:

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

Each carrier offers different plan types, network configurations, and price points. Severance, Colorado, with a population of 10,130 and a median income of $124,572, benefits from a competitive marketplace with multiple options. The uninsured rate in Severance is 2.2%, per U.S. Census Bureau ACS 2024 5-year estimates. Weld County, the parent county for Severance, has a population of 350,396, a median income of $97,097, and an uninsured rate of 8.0%, per U.S. Census Bureau ACS 2024 5-year estimates. Residents seeking acute care in Weld County have access to facilities such as Banner North Colorado Medical Center and Uchealth Greeley Hospital, both located in Greeley.

Making the Right Decision for Your Health Coverage

Choosing the right health insurance plan for your needs in Severance requires careful consideration of several factors. Begin by assessing your household income to determine your eligibility for financial assistance through Connect for Health Colorado or for Health First Colorado. If your income is between 100% and 400% FPL, you will likely qualify for significant premium tax credits. If your income is below 250% FPL, prioritize Silver plans to take advantage of cost-sharing reductions that lower deductibles and copayments. Consider your healthcare needs:

Low Usage: If you rarely visit the doctor, a Bronze plan with a lower premium and higher deductible might be cost-effective, provided you can cover the out-of-pocket maximum in an emergency.
Moderate Usage: A Silver plan, especially with cost-sharing reductions, often provides the best balance of monthly costs and out-of-pocket expenses for those with regular medical needs.
High Usage: If you have chronic conditions or anticipate significant medical expenses, a Gold or Platinum plan with higher premiums but lower out-of-pocket costs will likely save you money in the long run.

A licensed health insurance producer can provide free guidance, help you compare plans from Select Health and other carriers, and assist with the enrollment process to ensure you choose the best plan for your unique situation.

Frequently Asked Questions

How do I enroll in a Select Health plan in Severance?

You can enroll in a Select Health plan in Severance through Connect for Health Colorado, the state's official health insurance marketplace. You can also work with a licensed health insurance producer for free assistance.

Are PPO plans available on-exchange in Severance, Colorado?

Yes, PPO plans are available on-exchange through Connect for Health Colorado in Severance, unlike some other states. Consumers can choose from HMO, EPO, and PPO plan structures.

What income level qualifies for Medicaid in Colorado?

Adults in Colorado with income up to 138% of the Federal Poverty Level may qualify for Health First Colorado (Colorado's Medicaid program), which offers comprehensive coverage at little to no cost.

Can I get help paying for health insurance in Severance?

Yes, most Severance households qualify for subsidies (premium tax credits and cost-sharing reductions) to lower monthly premiums and out-of-pocket costs, especially if their income is between 100% and 400% of the Federal Poverty Level. These are available through Connect for Health Colorado.