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

Select Health Insurance Plans in Sterling, Colorado

In 2026, Sterling residents can choose from plans offered by 6 carriers, including Select Health, on Connect for Health Colorado.
Colorado expanded Medicaid (Health First Colorado) in 2014, making coverage available for adults up to 138% of the Federal Poverty Level.
Sterling is part of Colorado Rating Area 9, which includes 28 other counties, affecting plan pricing and availability.
Individual plans can cost between $300-$700 per month before subsidies, with subsidies available for incomes up to 400% FPL.
Sterling Regional Medcenter is the primary acute care hospital in Logan County, serving the city's 13,172 residents.

For residents of Sterling, Colorado, understanding your health insurance options is crucial for securing affordable and comprehensive care. If you're looking into Select Health plans or comparing them with other carriers, you'll primarily navigate the state's official marketplace, Connect for Health Colorado. This marketplace offers a range of individual and family health plans, with potential financial assistance to lower your monthly premiums and out-of-pocket costs. Select Health is one of several carriers providing coverage in Sterling, offering various plan types designed to meet different healthcare needs and budgets.

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What Health Insurance Plans Are Available in Sterling, Colorado?

In Sterling, Colorado, residents primarily access individual and family health insurance through Connect for Health Colorado, the state-based marketplace. This exchange offers a variety of plan types, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. Unlike some states, Colorado's marketplace explicitly includes PPO plans, providing more flexibility for those who prefer out-of-network options (albeit at a higher cost). These plans are categorized into metal tiers—Bronze, Silver, Gold, and Platinum—each offering a different balance of monthly premiums versus out-of-pocket costs like deductibles, copayments, and coinsurance. Bronze plans typically have the lowest premiums but the highest out-of-pocket costs, making them suitable for those who anticipate minimal medical care or want catastrophic coverage. Silver plans offer moderate premiums and out-of-pocket costs, and they are the only plans eligible for Cost-Sharing Reductions (CSRs), which significantly lower deductibles and copays for eligible individuals. Gold and Platinum plans feature higher premiums but lower out-of-pocket expenses, ideal for individuals or families expecting frequent medical needs.

Who Qualifies for Financial Assistance in Sterling?

Many Sterling residents can significantly reduce their health insurance costs through financial assistance programs available on Connect for Health Colorado. These subsidies are crucial for making health coverage affordable.

Advance Premium Tax Credits (APTCs): These credits reduce your monthly premium payments directly. Eligibility is based on household income, with individuals and families earning between 100% and 400% of the Federal Poverty Level (FPL) typically qualifying. For a single person in 2026, this ranges from approximately $15,060 to $60,240 annually.
Cost-Sharing Reductions (CSRs): Available exclusively with Silver plans, CSRs lower your out-of-pocket costs such as deductibles, copayments, and coinsurance. You may qualify for CSRs if your household income is up to 250% of the FPL.
Medicaid (Health First Colorado): Colorado expanded Medicaid in 2014. Adults in Sterling with household incomes up to 138% of the FPL may qualify for comprehensive health coverage at little to no cost. Health First Colorado provides extensive benefits, including doctor visits, hospital care, prescription drugs, and mental health services.
Child Health Plan Plus (CHP+): Colorado's CHP+ program covers pregnant women with income up to 195% FPL and children in households up to 260% FPL, offering comprehensive prenatal, delivery, postpartum care, and pediatric services.

To determine your exact eligibility and the amount of financial assistance you could receive, it is recommended to apply through Colorado PEAK at colorado.gov/PEAK or directly on Connect for Health Colorado.

Health Insurance Carriers in Sterling

In 2026, Sterling, Colorado, which is part of Colorado Rating Area 9, is served by 6 health insurance carriers offering marketplace plans through Connect for Health Colorado. This provides Sterling residents with a robust selection of options to compare and choose from. The confirmed carriers for Rating Area 9 include:

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

Sterling Regional Medcenter, the sole acute care hospital in Logan County, serves the city's population of 13,172. When selecting a plan, it is important to verify that your preferred doctors and facilities, including Sterling Regional Medcenter, are within the plan's network to ensure seamless access to care. Logan County, with a population of 20,892, has a median income of $51,829 and an uninsured rate of 7.2%, per U.S. Census Bureau ACS 2024 5-year estimates. Sterling's own uninsured rate stands at 6.8%, with a median income of $43,283.

How to Choose the Right Health Plan in Sterling

Choosing the right health insurance plan involves considering your healthcare needs, budget, and preferred providers. Here's a guide to help Sterling residents make an informed decision:

Assess Your Healthcare Needs: If you anticipate frequent doctor visits, prescription medications, or have chronic conditions, a Gold or Platinum plan with lower out-of-pocket costs might be more economical despite higher premiums. If you are generally healthy and primarily want coverage for emergencies, a Bronze plan might suffice.
Understand Plan Types: Consider the differences between HMO, EPO, and PPO plans. HMOs typically have the lowest premiums but restrict you to a specific network and require referrals. PPOs offer more flexibility to see out-of-network providers (at a higher cost) without referrals. EPOs are a hybrid, offering network flexibility without requiring referrals but generally not covering out-of-network care.
Check Provider Networks: Ensure that your current doctors, specialists, and local hospitals like Sterling Regional Medcenter are in-network with any plan you consider. Out-of-network care can be significantly more expensive.
Utilize Financial Assistance: If you qualify for APTCs or CSRs, factor these into your budget. A Silver plan combined with CSRs can often provide the best value, offering lower out-of-pocket costs than even some Gold plans.
Compare Deductibles, Copays, and Coinsurance: These figures represent how much you pay before your insurance starts covering costs, fixed fees for services, and a percentage of costs after your deductible, respectively. Compare these across plans to understand your potential financial exposure.

Frequently Asked Questions

What type of health insurance plans does Select Health offer in Sterling, Colorado?

Select Health, like 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 in Sterling. These plans provide different levels of flexibility in choosing doctors and hospitals.

Can I get a subsidy to help pay for Select Health plans in Sterling?

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. Cost-Sharing Reductions (CSRs) are also available for those earning up to 250% FPL, reducing out-of-pocket costs.

Where can I find healthcare providers in Sterling if I have a Select Health plan?

Sterling Regional Medcenter, located in Sterling, is the primary acute care hospital in Logan County. Select Health plans will have specific networks of doctors, specialists, and facilities. It is crucial to verify that your preferred providers, including Sterling Regional Medcenter, are in-network with the specific Select Health plan you choose before enrolling.

Is Medicaid available in Sterling, Colorado?

Yes, Colorado expanded Medicaid (known as Health First Colorado) in 2014. Adults in Sterling 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 CHP+ up to 195% FPL, and children up to 260% FPL.