Select Health Insurance Plans in Summit County, Colorado

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

Select Health is one of 6 health insurance carriers offering plans on Connect for Health Colorado in Summit County for the 2026 plan year.
Summit County is part of Colorado Rating Area 7, which also covers Eagle, Grand, Jackson, and Routt counties, ensuring consistent plan availability and pricing across these areas.
Individuals and families in Summit County with incomes between 100% and 400% of the Federal Poverty Level may qualify for significant Premium Tax Credits to lower monthly costs.
Colorado expanded Medicaid (Health First Colorado) in 2014, making coverage available for adults with incomes up to 138% of the Federal Poverty Level.

Navigating your health insurance options in Summit County, Colorado, includes exploring plans from carriers like Select Health. As a resident of Summit County, you have access to plans offered through Connect for Health Colorado, the state's official health insurance marketplace. In 2026, Select Health is one of six carriers providing a range of choices, from Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans to Preferred Provider Organization (PPO) plans. Understanding the specific benefits, networks, and costs associated with Select Health plans, alongside potential financial assistance, is key to making an informed decision.

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What Health Insurance Options Are Available in Summit County?

Residents of Summit County can access health insurance through Connect for Health Colorado, the state-based marketplace. This exchange allows individuals and families to compare plans, apply for financial assistance, and enroll in coverage. Summit County is situated within Colorado Rating Area 7, which also encompasses Eagle, Grand, Jackson, and Routt counties. This means plan availability and pricing for a given carrier are standardized across all five counties in this rating area. For the 2026 plan year, 6 carriers offer marketplace plans in Rating Area 7. These include:

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

These carriers offer a variety of plan structures, including HMO, EPO, and PPO plans, providing flexibility in network access and referral requirements. PPO plans are available on-exchange in Colorado, meaning marketplace shoppers in Summit County can choose from all three major plan types.

Understanding Select Health Plans

Select Health offers various health insurance products designed to meet different needs and budgets. When considering a Select Health plan in Summit County, it's important to look at several factors:

Network Coverage: Verify that your preferred doctors, specialists, and local facilities, such as St Anthony Summit Medical Center in Frisco, are included in the plan's network. Out-of-network care may not be covered or may result in higher out-of-pocket costs.
Plan Type: Select Health may offer HMO, EPO, or PPO plans. HMOs typically require you to choose a primary care provider (PCP) and get referrals for specialists, while PPOs generally offer more flexibility in choosing providers without referrals, often at a higher cost. EPOs fall somewhere in between.
Cost-Sharing: Evaluate the deductible, copayments, and coinsurance amounts. These are the costs you pay out-of-pocket before your insurance fully kicks in.
Prescription Drug Coverage: Check the plan's formulary to ensure your necessary medications are covered and understand their cost tiers.
Essential Health Benefits: All plans sold on Connect for Health Colorado must cover the 10 Essential Health Benefits, including maternity care, mental health services, prescription drugs, and preventive care.

Financial Assistance for Summit County Residents

Many Summit County residents qualify for financial assistance, which can significantly reduce the cost of health insurance. These subsidies are available through Connect for Health Colorado based on household income relative to the Federal Poverty Level (FPL).

Household Income (as % of FPL)	Potential Financial Assistance	Benefit
Below 138% FPL	Medicaid (Health First Colorado)	Little to no-cost comprehensive coverage for adults. Pregnant women up to 195% FPL and children up to 260% FPL may qualify for Health First Colorado or Child Health Plan Plus (CHP+).
100% - 400% FPL	Premium Tax Credits (PTC)	Reduces your monthly premium payment for plans purchased through Connect for Health Colorado.
Up to 250% FPL	Cost-Sharing Reductions (CSR)	Lowers out-of-pocket costs like deductibles, copayments, and coinsurance, available only on Silver-tier plans.

For example, an individual in Summit County earning $30,000 (around 200% FPL) would likely qualify for substantial Premium Tax Credits, making a Select Health plan more affordable. It's crucial to apply through Connect for Health Colorado to determine your exact eligibility for these subsidies.

Healthcare Facilities and Providers in Summit County

Summit County, with a population of 31,017 (per U.S. Census Bureau ACS 2024 5-year estimates), is served by local healthcare facilities that form a critical part of any health insurance plan's network. The primary acute care hospital in the county is St Anthony Summit Medical Center, located in Frisco. When selecting a Select Health plan, or any other plan, it is essential to ensure that this facility, along with any other preferred doctors or specialists, is part of the plan's network. Summit County's median income is $109,773, and its uninsured rate is 10.2%, indicating a significant portion of the population relies on comprehensive health coverage. Checking a plan's provider directory before enrolling is highly recommended to confirm that your preferred healthcare providers are in-network. This step helps avoid unexpected out-of-pocket costs and ensures continuity of care.

How to Choose the Right Select Health Plan for You

Selecting the right health insurance plan involves balancing costs, coverage, and access to care. Here's a step-by-step approach to help Summit County residents make an informed decision:

Assess Your Healthcare Needs: Consider your typical medical usage, including doctor visits, prescription medications, and any anticipated medical procedures. If you expect frequent care, a plan with lower deductibles and copayments might be more cost-effective, even if the premium is higher.
Understand Plan Types: Decide whether an HMO, EPO, or PPO plan best fits your preference for network flexibility and referral requirements. Select Health offers options across these types in Colorado.
Compare Costs: Look beyond just the monthly premium. Compare deductibles, copayments, coinsurance, and the out-of-pocket maximum for different Select Health plans and other available carriers.
Check Provider Networks: Confirm that your current doctors, specialists, and the St Anthony Summit Medical Center are in-network for any Select Health plan you are considering.
Utilize Financial Assistance: Apply through Connect for Health Colorado to see if you qualify for Premium Tax Credits or Cost-Sharing Reductions. These subsidies can significantly impact the affordability of your plan.
Consider Plan Tiers: Bronze, Silver, Gold, and Platinum plans offer different levels of cost-sharing. Silver plans are unique because they are the only plans eligible for Cost-Sharing Reductions if you qualify.

A licensed health insurance producer can provide personalized guidance, helping you compare Select Health plans with others in Summit County and enroll in a plan that meets your specific needs and budget, all at no additional cost to you.

Frequently Asked Questions

Can I get Select Health insurance through Connect for Health Colorado?

Yes, Select Health is one of the 6 carriers offering plans on Connect for Health Colorado in Rating Area 7 for the 2026 plan year, which includes Summit County. You can enroll during Open Enrollment or if you qualify for a Special Enrollment Period.

What types of plans does Select Health offer in Summit County?

Select Health, like other carriers in Colorado, offers a variety of plan types through Connect for Health Colorado, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. Specific availability depends on the plan chosen.

Are there hospitals in Summit County that accept Select Health plans?

Summit County is home to St Anthony Summit Medical Center in Frisco, which is an acute care hospital. When choosing a Select Health plan, it is crucial to verify that your preferred doctors, specialists, and facilities, including St Anthony Summit Medical Center, are in the plan's network to ensure coverage.

How do I know if I qualify for financial assistance with Select Health plans?

Eligibility for subsidies on Connect for Health Colorado is based on your household income relative to the Federal Poverty Level (FPL). Individuals and families with incomes between 100% and 400% FPL may qualify for Premium Tax Credits, and those up to 250% FPL may also be eligible for Cost-Sharing Reductions, which lower out-of-pocket costs.