Select Health Insurance Plans in Teller County, Colorado
- Select Health is one of 6 carriers offering marketplace plans in Colorado Rating Area 5, which includes Teller County, for the 2026 plan year.
- Colorado's Connect for Health Colorado marketplace offers HMO, EPO, and PPO plan types, with subsidies available based on household income.
- Teller County, with a population of 24,825, has no acute care hospitals, meaning residents travel to neighboring El Paso County for hospital services.
- Adults with incomes up to 138% of the Federal Poverty Level may qualify for Health First Colorado (Medicaid), and pregnant women up to 195% FPL via CHP+.
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Understanding Select Health Coverage in Teller County
Select Health provides health insurance options through Colorado's state-based marketplace, Connect for Health Colorado. As a participant in Rating Area 5, Select Health offers residents of Teller County access to plans that comply with the Affordable Care Act (ACA). These plans cover essential health benefits, including doctor visits, prescription drugs, emergency services, and maternity care, without annual or lifetime limits. When considering a Select Health plan, it's important to review their specific network of providers and facilities, especially since Teller County itself does not have acute care hospitals, requiring residents to utilize facilities in neighboring areas, primarily El Paso County.Which Health Insurance Plans Are Available in Teller County?
In Teller County, residents can choose from a range of plan types offered on Connect for Health Colorado. Unlike some states, Colorado's marketplace includes Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. This variety allows individuals and families to select a plan structure that best fits their healthcare needs and preferences for provider choice. Here's a general overview of plan types:- Health Maintenance Organization (HMO): These plans typically require you to choose a primary care provider (PCP) within the network and get referrals from your PCP to see specialists. They usually have lower premiums and out-of-pocket costs.
- Exclusive Provider Organization (EPO): EPO plans offer a network of doctors and hospitals, but generally do not require a PCP referral to see a specialist. However, they typically will not cover out-of-network care except in emergencies.
- Preferred Provider Organization (PPO): PPO plans offer more flexibility, allowing you to see any doctor or specialist without a referral, both in-network and out-of-network. While out-of-network care is covered, it usually comes with higher costs.
Financial Assistance for Health Insurance in Teller County
Many Teller County residents qualify for financial assistance to reduce the cost of their health insurance through Connect for Health Colorado. The primary forms of assistance are Advance Premium Tax Credits (APTCs) and Cost-Sharing Reductions (CSRs).Advance Premium Tax Credits (APTCs): These subsidies lower your monthly premium payments. Eligibility is based on your household income relative to the Federal Poverty Level (FPL). Even those with moderate incomes may qualify, especially with recent enhancements to the ACA.
Cost-Sharing Reductions (CSRs): If your income is below 250% of the FPL, and you choose a Silver-tier plan, you may qualify for CSRs. These subsidies reduce your out-of-pocket costs, such as deductibles, copayments, and coinsurance, making healthcare more affordable when you use it.
For example, a single individual in Teller County with an annual income of $35,000 (approximately 230% FPL) would likely qualify for significant premium tax credits and potentially cost-sharing reductions on a Silver plan, lowering both their monthly premiums and their costs at the doctor's office.
Health Insurance Carriers in Teller County
In 2026, 6 carriers offer marketplace plans in Rating Area 5, which covers El Paso and Teller counties. Residents can compare plans from these confirmed providers:- Cigna
- Denver Health Medical Plan
- HMO Colorado
- Kaiser Permanente
- Select Health
- United Healthcare
Medicaid and CHP+ Options in Colorado
Colorado expanded its Medicaid program in 2014, known as Health First Colorado. This means that adults in Teller County with household incomes up to 138% of the Federal Poverty Level may qualify for comprehensive, low-cost health coverage. Unlike states that have not expanded Medicaid, Colorado does not have a "coverage gap" for individuals between 100% and 138% FPL. Additionally, Colorado's Child Health Plan Plus (CHP+) provides coverage for pregnant women with household incomes up to 195% FPL, offering comprehensive prenatal, delivery, and postpartum care. CHP+ also covers children in households up to 260% FPL. You can apply for both Health First Colorado and CHP+ through Colorado PEAK (colorado.gov/PEAK). Teller County, part of Colorado Rating Area 5, is one of the state's more rural counties, with a population of 24,825 and an uninsured rate of 6.9% per U.S. Census Bureau ACS 2024 5-year estimates. The median income is $85,361, and the median age is 52.2 years. Despite having no acute care hospitals within its borders, residents access necessary medical services by traveling to facilities in neighboring El Paso County. Understanding the specific plan networks is crucial for residents to ensure access to care.Making Your Health Insurance Decision in Teller County
Choosing the right health insurance plan in Teller County requires careful consideration of your income, healthcare needs, and preferences for providers.- If your income is below 138% FPL: You likely qualify for Health First Colorado (Medicaid). Apply through Colorado PEAK for comprehensive, low-cost coverage.
- If your income is between 138% and 250% FPL: You are likely eligible for significant Advance Premium Tax Credits to lower your premiums, and Cost-Sharing Reductions if you select a Silver plan, which will reduce your out-of-pocket costs.
- If your income is above 250% FPL: You may still qualify for premium tax credits, especially with enhanced subsidies currently available. Compare plans across the Bronze, Silver, Gold, and Platinum tiers to find the best balance of premium and out-of-pocket costs.
Frequently Asked Questions
What types of health insurance plans does Select Health offer in Teller County?
Select Health offers plans through Connect for Health Colorado, the state's official marketplace, in Teller County. These plans typically include Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) structures. PPO plans are also available on-exchange from other carriers in Colorado.
Can I get a subsidy for a Select Health plan in Teller County?
Yes, if your household income falls within federal guidelines, you may qualify for Advance Premium Tax Credits (APTCs) to lower your monthly premiums for any marketplace plan, including those from Select Health. Cost-Sharing Reductions (CSRs) may also be available for those with incomes up to 250% of the Federal Poverty Level, reducing your deductibles, copayments, and out-of-pocket maximums when you choose a Silver-tier plan.
Does Teller County have its own hospitals?
Teller County does not have any acute care hospitals within its boundaries. Residents needing acute medical care typically travel to neighboring El Paso County for hospital services. It is important to verify network coverage for any plan you choose to ensure access to preferred providers and facilities in nearby areas.
What is Health First Colorado, and do I qualify?
Health First Colorado is Colorado's Medicaid program. As an expansion state, Colorado provides Medicaid coverage to adults with household incomes up to 138% of the Federal Poverty Level. Pregnant women may qualify for coverage up to 195% FPL through Child Health Plan Plus (CHP+). Eligibility is determined based on income, household size, and other factors, and you can apply through Colorado PEAK.