Select Health Insurance Plans in Trinidad, 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 Trinidad for the 2026 plan year.
Individual and family plans in Trinidad are available in Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) structures.
Individuals and families with incomes up to 400% of the Federal Poverty Level (FPL) may qualify for premium tax credits to lower monthly costs.
Medicaid, known as Health First Colorado, covers adults with incomes up to 138% FPL, and pregnant women up to 195% FPL through CHP+.

If you're looking for health insurance options in Trinidad, Colorado, Select Health is one of the key providers to consider. As a participant in Colorado's state-based marketplace, Connect for Health Colorado, Select Health offers plans that may be eligible for financial assistance, making coverage more affordable for many residents. Understanding your options, eligibility for subsidies, and local provider networks is crucial to choosing the right plan for your needs and budget. This article will guide you through what Select Health and other carriers offer in Trinidad.

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 Plans Does Select Health Offer in Trinidad?

Select Health offers a variety of health insurance plans through Connect for Health Colorado, the state's official health insurance marketplace. In Trinidad, which is part of Colorado Rating Area 9, residents have access to plans structured as Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) options. Colorado is one of the states where PPO plans are available on-exchange, providing greater flexibility in choosing providers compared to HMO or EPO plans, which typically require you to stay within a specific network. When evaluating Select Health plans, you'll find different metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate how you and your plan share the cost of care:

Bronze plans: Offer lower monthly premiums but higher out-of-pocket costs, best for those who anticipate minimal medical needs or want protection against catastrophic events.
Silver plans: Provide a balance of moderate premiums and out-of-pocket costs. These plans are particularly valuable for individuals and families who qualify for Cost-Sharing Reductions (CSRs), which further lower deductibles, copayments, and out-of-pocket maximums.
Gold plans: Feature higher monthly premiums but lower out-of-pocket costs when you receive care, suitable for those who expect to use medical services frequently.
Platinum plans: Have the highest monthly premiums but the lowest out-of-pocket costs, covering a larger share of your medical expenses.

Regardless of the metal tier, all plans offered through Connect for Health Colorado must cover the ten essential health benefits mandated by the Affordable Care Act (ACA), including prescription drugs, maternity care, mental health services, and preventive care at no extra cost.

Understanding Financial Assistance and Medicaid in Trinidad

The cost of health insurance can be significantly reduced through financial assistance available via Connect for Health Colorado. These subsidies are crucial for making coverage affordable, especially for residents of Trinidad, where the median household income is $52,273 per U.S. Census Bureau ACS 2024 5-year estimates.

Premium Tax Credits (APTCs)

Advanced Premium Tax Credits (APTCs) help lower your monthly insurance premiums. Eligibility is based on your household income relative to the Federal Poverty Level (FPL). For 2026, individuals and families with incomes between 100% and 400% FPL may qualify for these credits. The exact amount depends on your income, household size, and the cost of the benchmark Silver plan in your area.

Cost-Sharing Reductions (CSRs)

If your income is below 250% FPL, you may also qualify for Cost-Sharing Reductions (CSRs). These are only available with Silver-tier plans and reduce the amount you pay for deductibles, copayments, and coinsurance when you use medical services. CSRs effectively boost the value of a Silver plan, often making it a better value than a Gold plan for eligible individuals.

Health First Colorado (Medicaid) and CHP+

Colorado expanded its Medicaid program, known as Health First Colorado, in 2014. This means that adults with household incomes up to 138% of the Federal Poverty Level may qualify for comprehensive health coverage at little to no cost. For a single individual, this threshold is approximately $20,783 annually in 2023 (note: FPL figures update annually). Unlike in non-expansion states, there is no "coverage gap" in Colorado for those below 100% FPL. Additionally, Colorado's Child Health Plan Plus (CHP+) provides coverage for pregnant women with incomes up to 195% FPL, offering comprehensive prenatal, delivery, and postpartum care. CHP+ also covers children in households up to 260% FPL. Applications for Health First Colorado and CHP+ can be submitted through Colorado PEAK at colorado.gov/PEAK.

Health Insurance Carriers in Trinidad

Trinidad, part of Colorado Rating Area 9, is served by multiple health insurance carriers offering marketplace plans. In 2026, 6 carriers offer marketplace plans in Rating Area 9, which covers Alamosa, Baca, Bent, Chaffee, Cheyenne, Clear Creek, Conejos, Costilla, Crowley, Custer, Elbert, Fremont, Gilpin, Huerfano, Kiowa, Kit Carson, Lake, Las Animas, Lincoln, Logan, Morgan, Otero, Park, Phillips, Prowers, Pueblo, Sedgwick, Washington, Yuma counties. The confirmed carriers for the 2026 plan year in this rating area include:

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

When choosing a plan, consider not only the premium but also the carrier's network of doctors and hospitals. While Las Animas County has no acute care hospitals within its boundaries, residents often travel to neighboring counties for acute care services. It is essential to verify that your preferred providers are in-network with any plan you consider from Select Health or other carriers.

Trinidad, with a population of 8,286 and an uninsured rate of 7.3% per U.S. Census Bureau ACS 2024 5-year estimates, is situated in Las Animas County. This county, part of Colorado Rating Area 9, has no acute care hospitals, meaning residents must travel to a neighboring county for such services. The median age in Trinidad is 41.9 years, slightly younger than the 46.6 years for Las Animas County as a whole, reflecting varied demographic needs for health coverage.

Making Your Health Insurance Decision in Trinidad

Choosing the right health insurance plan, whether from Select Health or another carrier, requires careful consideration of your health needs, budget, and access to care. Here's a decision-making framework:

Assess Your Income: Determine if your household income qualifies you for Health First Colorado (Medicaid) or CHP+ (up to 138% FPL for adults, 195% FPL for pregnant women, 260% FPL for children). If so, apply through Colorado PEAK.
Estimate Subsidies: If your income is above Medicaid thresholds but below 400% FPL, you will likely qualify for premium tax credits. Use the Connect for Health Colorado website or consult with a licensed agent to estimate your potential savings.
Consider Plan Tiers and Types:
- If you qualify for Cost-Sharing Reductions (CSRs), a Silver plan will offer the best value.
- If you expect high medical costs, a Gold or Platinum plan might save you money in the long run with lower out-of-pocket expenses.
- If you prefer network flexibility, look for PPO plans available from Select Health or other carriers. If you prioritize lower premiums and are comfortable with a more restricted network, HMO or EPO plans are also options.
Check Provider Networks: Since Las Animas County has no acute care hospitals, confirming that hospitals and specialists in neighboring counties are in-network for your chosen plan is vital.

Navigating these choices can be complex. A licensed health insurance agent specializing in the Colorado marketplace can provide personalized guidance, help you compare plans from Select Health and other providers, and assist with enrollment—all at no cost to you.

Frequently Asked Questions

Can I get a Select Health plan through Connect for Health Colorado?

Yes, Select Health is one of 6 carriers offering plans on Connect for Health Colorado in Trinidad's Rating Area 9 for the 2026 plan year. You can enroll during Open Enrollment or if you qualify for a Special Enrollment Period.

What types of plans does Select Health offer in Trinidad?

Select Health, like other carriers in Colorado, offers a range of plan types including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans through Connect for Health Colorado. PPO plans are available on-exchange in Colorado.

What is the uninsured rate in Trinidad, Colorado?

The uninsured rate in Trinidad, Colorado, is 7.3%, according to U.S. Census Bureau ACS 2024 5-year estimates. This is lower than the average for Las Animas County, which stands at 8.4%.

How do I know if I qualify for financial help with my health insurance?

Eligibility for financial help, including premium tax credits and cost-sharing reductions, is based on your household income and size relative to the Federal Poverty Level. You can get an estimate by using the tools on Connect for Health Colorado or by speaking with a licensed agent who can help you understand your options.