Select Health Health Insurance in Washington 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 the Connect for Health Colorado marketplace in Washington County for 2026.
Washington County residents can choose from HMO, EPO, and PPO plans on-exchange, thanks to Colorado's diverse marketplace offerings.
Individuals and families with incomes up to 400% FPL may qualify for significant subsidies, reducing monthly premiums for Select Health plans.
Adults with income up to 138% FPL can qualify for Health First Colorado (Medicaid), while pregnant women are covered up to 195% FPL via CHP+.

Navigating health insurance options in Washington County, Colorado, especially when looking for a specific carrier like Select Health, can seem complex. The good news is that Select Health is an active participant in Colorado's state-based marketplace, Connect for Health Colorado, for the 2026 plan year. This means residents of Washington County have access to Select Health plans, and importantly, can apply for federal subsidies to help make coverage more affordable. Whether you're seeking individual, family, or small business coverage, understanding your options through Connect for Health Colorado is the first step to securing a plan that fits your needs and budget.

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What Health Insurance Plans Does Select Health Offer in Washington County?

In Washington County, Select Health offers a range of health insurance plans through Connect for Health Colorado. As a state that offers a diverse marketplace, Colorado allows residents to choose from Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. Unlike some states where PPOs are only available off-exchange, marketplace shoppers in Colorado, including those in Washington County, can select PPO plans with subsidies from carriers like Select Health, Denver Health Medical Plan, and HMO Colorado. This flexibility allows you to choose a plan structure that best suits your preferred provider access and cost-sharing preferences. When evaluating Select Health plans, you will find options categorized by metallic tiers: Bronze, Silver, Gold, and Platinum. Each tier represents a different balance between monthly premiums and out-of-pocket costs, such as deductibles, copayments, and coinsurance.

Bronze plans typically have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. They are designed for those who want protection against catastrophic medical costs.
Silver plans offer moderate premiums and out-of-pocket costs. They are particularly valuable for individuals and families who qualify for Cost-Sharing Reductions (CSRs), which can significantly lower deductibles and copays.
Gold plans feature higher monthly premiums but lower deductibles and out-of-pocket costs, making them suitable for those who anticipate needing more medical care throughout the year.
Platinum plans have the highest premiums but the lowest out-of-pocket costs, providing extensive coverage from the start of the plan year.

Understanding Subsidies and Affordability in Washington County

The cost of health insurance can be a major concern for Washington County residents. Fortunately, federal financial assistance, known as subsidies, is available through Connect for Health Colorado to help make plans more affordable. These subsidies come in two main forms:

Premium Tax Credits (PTCs): These reduce your monthly premium. Eligibility is based on household income relative to the Federal Poverty Level (FPL). In Colorado, individuals and families with incomes between 100% and 400% FPL may qualify for significant premium tax credits.
Cost-Sharing Reductions (CSRs): These reduce your out-of-pocket costs, such as deductibles, copayments, and coinsurance. CSRs are only available with Silver-tier plans and are designed for those with incomes up to 250% FPL. If you qualify for CSRs, choosing a Silver plan is often the best value, as it provides enhanced benefits not available in other metallic tiers.

For example, a single person in Washington County with an annual income of $35,000 (around 240% FPL) would likely qualify for both premium tax credits and cost-sharing reductions on a Silver plan, significantly lowering their overall healthcare expenses.

Health First Colorado (Medicaid) and CHP+ in Washington County

Washington County residents with lower incomes may qualify for public health insurance programs. Colorado expanded Medicaid in 2014, known as Health First Colorado. Adults with incomes up to 138% of the Federal Poverty Level (FPL) are eligible for comprehensive health coverage with little to no cost. This expansion ensures that individuals and families who might otherwise struggle to afford insurance have access to essential healthcare services. For pregnant women and children, Colorado offers the Child Health Plan Plus (CHP+). Pregnant women with household incomes up to 195% FPL can receive comprehensive prenatal, delivery, and postpartum care through CHP+. Because Colorado has expanded Medicaid, women at or below 138% FPL would first qualify for full Health First Colorado benefits. Additionally, CHP+ covers children in households with incomes up to 260% FPL. Applications for Health First Colorado and CHP+ can be submitted through Colorado PEAK (colorado.gov/PEAK).

Health Insurance Carriers in Washington County

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. Residents of Washington County can compare plans from the following confirmed carriers:

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

Washington County, part of Colorado Rating Area 9, is one of the state's more rural counties, with a population of 4,831 and an uninsured rate of 6.0%, per U.S. Census Bureau ACS 2024 5-year estimates. The county's median income is $67,167, and its median age is 41.3 years. These carriers provide crucial access to health coverage for residents.

Hospitals and Healthcare Access in Washington County

Washington County has no acute care hospitals within its boundaries. This means that residents needing acute care, emergency services, or specialized treatments typically travel to neighboring counties. While this requires planning for non-emergent care, residents can still access primary care and routine health services locally. When choosing a Select Health plan, it's essential to verify that your preferred doctors and any anticipated out-of-county facilities are included in the plan's network to ensure seamless access to care.

Choosing the Right Select Health Plan in Washington County

Selecting the right health insurance plan requires careful consideration of your healthcare needs, financial situation, and preferred providers. Here's a step-by-step guide for Washington County residents:

Assess Your Healthcare Needs: Consider how often you expect to visit the doctor, whether you have chronic conditions, and if you take prescription medications regularly. This will help you determine if a plan with lower monthly premiums (Bronze) or lower out-of-pocket costs (Gold/Platinum) is more suitable.
Check Provider Networks: Since Washington County does not have an acute care hospital, it's crucial to confirm that your preferred doctors, specialists, and any hospitals in neighboring counties that you might use are in-network with your chosen Select Health plan.
Understand Your Budget: Evaluate your household income to determine if you qualify for premium tax credits or cost-sharing reductions. If your income is between 100% and 400% FPL, subsidies can significantly reduce your costs. For incomes below 138% FPL, Health First Colorado (Medicaid) may be the best option.
Compare Plan Tiers:
- If you qualify for Cost-Sharing Reductions (income up to 250% FPL), a Silver plan will likely offer the best value due to enhanced benefits.
- If you expect minimal healthcare use and want the lowest monthly premium, a Bronze plan could be appropriate.
- If you anticipate frequent medical care and prefer lower out-of-pocket costs, consider Gold or Platinum plans.
Get Expert Assistance: A licensed health insurance producer can provide personalized guidance, help you compare Select Health plans, and ensure you receive all eligible subsidies. Their services are typically free to you.

Frequently Asked Questions

Can I get Select Health insurance through Connect for Health Colorado in Washington County?

Yes, Select Health is one of 6 carriers offering plans on the Connect for Health Colorado marketplace in Rating Area 9, which includes Washington County, for the 2026 plan year. You can enroll directly through the state marketplace to access potential subsidies.

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

In Colorado, marketplace carriers like Select Health offer a variety of plan types, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. PPO plans are available on-exchange in Colorado, giving Washington County residents more choice in network structures.

What are the income limits for Medicaid in Washington County, Colorado?

Colorado expanded Medicaid in 2014, so adults in Washington County with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Health First Colorado. For pregnant women, the Child Health Plan Plus (CHP+) covers those with incomes up to 195% FPL, and children are covered up to 260% FPL through CHP+.

How does Washington County's uninsured rate compare to the state average?

Washington County has an uninsured rate of 6.0%, which is lower than the statewide Colorado average. This indicates relatively good coverage, but options remain available for the uninsured population of 4,831 residents to find affordable health insurance.