Select Health Insurance Plans in Telluride, Colorado

Select Health is one of 6 carriers offering plans on Connect for Health Colorado in Telluride's Rating Area 8 for 2026.
Colorado's marketplace, Connect for Health Colorado, offers HMO, EPO, and PPO plans, with PPOs available on-exchange.
Telluride residents with incomes up to 400% FPL (e.g., $58,320 for an individual) may qualify for premium subsidies.
Lower-income residents (up to 138% FPL) may qualify for Health First Colorado (Medicaid) due to the state's expansion.
San Miguel County, where Telluride is located, has a population of 7,968 and an uninsured rate of 15.2%, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Telluride, Colorado, involves understanding your choices through Connect for Health Colorado, the state's official health insurance marketplace. For 2026, Select Health is among the six confirmed carriers offering plans in Rating Area 8, which includes Telluride and 12 other counties. Whether you're seeking individual or family coverage, it's essential to compare plan types, understand potential financial assistance, and confirm network providers that serve your area. Colorado's expanded Medicaid program, Health First Colorado, also provides critical coverage for lower-income residents.

Get Your Free Health Insurance Quote

A licensed agent can compare coverage options for you at no cost.

✓

You're all set!

A licensed agent will reach out shortly.

What Health Insurance Options Does Select Health Offer in Telluride?

Select Health offers a range of health insurance plans through Connect for Health Colorado for residents of Telluride and the broader Colorado Rating Area 8. These plans typically include various benefit levels (Bronze, Silver, Gold, and Platinum) designed to meet different budget and coverage needs. Colorado is an expanded marketplace state where consumers have access to Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans on-exchange, meaning PPO options are available with subsidies if you qualify. Select Health's specific offerings will detail deductibles, copayments, and out-of-pocket maximums, allowing you to choose a plan that aligns with your expected healthcare usage and financial comfort.

Understanding Your Eligibility for Financial Assistance in Colorado

Many Telluride residents qualify for financial assistance to make health insurance more affordable. These subsidies are available through Connect for Health Colorado and include Premium Tax Credits (PTCs) and Cost-Sharing Reductions (CSRs).

Household Size	Income Threshold for Premium Tax Credits (400% FPL, 2026 est.)	Income Threshold for Medicaid (138% FPL, 2026 est.)
1	Up to $58,320	Up to $20,783
2	Up to $78,960	Up to $28,212
3	Up to $99,600	Up to $35,640
4	Up to $120,240	Up to $43,068

Estimated 2026 Federal Poverty Level (FPL) thresholds for subsidy eligibility. Actual amounts may vary slightly.

Premium Tax Credits reduce your monthly premium, while Cost-Sharing Reductions lower your out-of-pocket costs like deductibles, copays, and coinsurance. To receive CSRs, you must enroll in a Silver-tier plan. Colorado's Medicaid program, Health First Colorado, provides comprehensive coverage for eligible individuals and families with incomes up to 138% of the Federal Poverty Level. Additionally, pregnant women with incomes up to 195% FPL and children in households up to 260% FPL may qualify for Colorado's Child Health Plan Plus (CHP+), which offers extensive medical and dental benefits.

Health Insurance Carriers in Telluride

For 2026, residents of Telluride in Colorado Rating Area 8 have choices from 6 confirmed health insurance carriers on Connect for Health Colorado. These carriers offer a variety of plans, including HMO, EPO, and PPO options, ensuring a diverse marketplace for consumers to find suitable coverage. The confirmed carriers for Rating Area 8, which covers Archuleta, Dolores, Gunnison, Hinsdale, La Plata, Mineral, Montezuma, Montrose, Ouray, Rio Grande, Saguache, San Juan, and San Miguel counties, are:

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

When selecting a plan, consider not only the premium and deductible but also the network of doctors and hospitals, prescription drug coverage, and any specific benefits important to your health needs.

Healthcare Resources and Hospitals Near Telluride

Telluride, located in San Miguel County, is part of Colorado Rating Area 8. San Miguel County has no acute care hospitals within its boundaries, meaning residents often travel to neighboring counties for hospital services. Telluride, with a population of 2,160 and a median age of 48.9 years, experiences an uninsured rate of 8.4%, which is lower than the county's 15.2% uninsured rate, per U.S. Census Bureau ACS 2024 5-year estimates. The higher county uninsured rate suggests that while the city itself has strong coverage, the broader San Miguel County population faces greater challenges. Given the lack of local acute care facilities, understanding your plan's network for out-of-county services is particularly important for Telluride residents.

Making an Informed Decision for Your Health Coverage

Choosing the right health insurance plan, especially one from a carrier like Select Health, involves evaluating several factors unique to your situation. Consider your expected healthcare needs, your budget for monthly premiums and out-of-pocket costs, and your preferred doctors or specialists.

Here’s a general guide to help your decision:

If your income is low (e.g., below 138% FPL): You likely qualify for Health First Colorado (Medicaid). This program provides comprehensive health coverage with minimal or no costs. Apply through Colorado PEAK (colorado.gov/PEAK).
If your income is modest (e.g., 138% FPL to 250% FPL): Consider a Silver-tier plan on Connect for Health Colorado. You may qualify for significant Cost-Sharing Reductions (CSRs) in addition to Premium Tax Credits, which can substantially lower your deductibles and copays.
If your income is higher (e.g., 250% FPL to 400% FPL): You may still qualify for Premium Tax Credits to reduce your monthly premiums. Compare Bronze, Silver, and Gold plans based on your anticipated medical expenses. Bronze plans have lower premiums but higher out-of-pocket costs, while Gold plans have higher premiums but lower out-of-pocket costs.
If you need specific doctors or facilities: Always verify that your preferred providers are in-network with the Select Health plan you are considering.

A licensed health insurance producer can provide personalized guidance, helping you compare Select Health plans against other carriers, identify all available subsidies, and ensure you enroll in a plan that best fits your healthcare and financial needs. Their assistance comes at no cost to you.

Frequently Asked Questions

Is Select Health available on Connect for Health Colorado?

Yes, Select Health is one of 6 carriers offering marketplace plans in Colorado Rating Area 8, which includes Telluride, for the 2026 plan year. You can enroll in a Select Health plan through Connect for Health Colorado, the state's official health insurance marketplace.

What types of plans does Select Health offer in Telluride?

While specific plan offerings vary by year and rating area, carriers on Connect for Health Colorado, including Select Health, typically offer Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans in Colorado Rating Area 8. PPO plans are available on-exchange in Colorado.

How do I know if I qualify for financial assistance for a Select Health plan?

Eligibility for subsidies (Premium Tax Credits and Cost-Sharing Reductions) is based on your household income and family size relative to the Federal Poverty Level. You can apply through Connect for Health Colorado to determine your exact eligibility. For example, a single individual with an income up to $58,320 (400% FPL) may qualify for subsidies in 2026.

Can I get Medicaid if my income is low in Telluride?

Yes, Colorado expanded its Medicaid program, Health First Colorado, in 2014. Adults with household incomes up to 138% of the Federal Poverty Level (e.g., $20,783 for a single individual in 2026) may qualify for comprehensive, low-cost or free health coverage.