Is Select Health available in Westminster, Colorado for 2026?

Yes, Select Health is one of 6 carriers offering marketplace health insurance plans in Westminster, Colorado, for the 2026 plan year. Westminster is part of Colorado Rating Area 1.

What types of plans does Select Health offer in Colorado?

In Colorado, Select Health typically offers a range of plan types, including HMO, EPO, and PPO options through Connect for Health Colorado. PPO plans are available on-exchange in Colorado, giving consumers more choice in how they access care.

Can I get financial help to pay for a Select Health plan in Westminster?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits and cost-sharing reductions through Connect for Health Colorado. Colorado expanded Medicaid, so individuals below 138% FPL may qualify for Health First Colorado.

How do I enroll in a Select Health plan in Westminster?

You can enroll in a Select Health plan during the annual Open Enrollment Period through Connect for Health Colorado. If you experience a qualifying life event, such as moving to Westminster, getting married, or having a baby, you may be eligible for a Special Enrollment Period. A licensed agent can assist you with the application process.

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

Select Health Insurance Plans in Westminster, Colorado

Select Health is one of 6 carriers offering marketplace plans in Westminster's Rating Area 1 for 2026.
Westminster residents with income up to 400% FPL may qualify for significant subsidies through Connect for Health Colorado.
Colorado offers a full range of plan types, including HMO, EPO, and PPO plans, available on-exchange.
Adults in Colorado with income up to 138% FPL can qualify for Health First Colorado (Medicaid), expanded in 2014.

Navigating health insurance options can be straightforward, especially when you know which carriers serve your area. If you live in Westminster, Colorado, and are looking for health insurance, Select Health is one of several carriers that offer plans through Connect for Health Colorado, the state's official health insurance marketplace. As of 2026, Westminster is part of Colorado Rating Area 1, which covers Adams, Arapahoe, Broomfield, Denver, Douglas, and Jefferson counties. This means you have access to a variety of plans from multiple insurers, including Select Health, designed to fit different needs and budgets. Understanding your options, potential financial assistance, and local healthcare providers is key to making an informed decision about your coverage.

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What is Select Health and What Do They Offer in Westminster?

Select Health is a reputable health insurance carrier that provides a range of individual and family health plans in Colorado. For residents of Westminster, Select Health plans are available through Connect for Health Colorado, allowing eligible individuals and families to utilize premium tax credits and cost-sharing reductions to make coverage more affordable. These plans typically include essential health benefits as mandated by the Affordable Care Act (ACA), covering services such as doctor visits, hospital care, prescription drugs, mental health services, and maternity care. In Colorado, marketplace shoppers have a choice 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, offered by carriers like Denver Health Medical Plan and HMO Colorado, among others. This flexibility allows you to choose a plan structure that best suits your preference for provider networks and out-of-network coverage. Select Health offers competitive options across these categories, ensuring Westminster residents can find a plan that aligns with their healthcare needs and financial situation.

Understanding Health Insurance Options in Westminster, Colorado

Westminster, with a population of 115,484 per U.S. Census Bureau ACS 2024 5-year estimates, offers a robust health insurance marketplace. Residents can choose from a variety of plans categorized by metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate the level of cost-sharing between you and your insurer, not the quality of care:

Bronze plans: Offer lower monthly premiums but higher deductibles and out-of-pocket costs when you need care. They cover 60% of costs on average, with you paying 40%.
Silver plans: Provide a balance of moderate premiums and out-of-pocket costs. They cover 70% of costs on average, with you paying 30%. These plans are particularly valuable for those who qualify for cost-sharing reductions.
Gold plans: Feature higher monthly premiums but lower deductibles and out-of-pocket costs. They cover 80% of costs on average, with you paying 20%.
Platinum plans: Have the highest monthly premiums but the lowest deductibles and out-of-pocket costs. They cover 90% of costs on average, with you paying 10%.

Young adults under 30, and those with a hardship exemption, may also qualify for Catastrophic plans, which have very high deductibles but offer a safety net for major medical events.

Qualifying for Financial Assistance in Colorado

Many Westminster residents can significantly reduce their health insurance costs through financial assistance programs available via Connect for Health Colorado.

Premium Tax Credits and Cost-Sharing Reductions

If your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits, which directly lower your monthly insurance premiums. These credits are paid directly to your insurer. If your income is between 100% and 250% FPL, you may also qualify for cost-sharing reductions (CSRs), which reduce your out-of-pocket expenses like deductibles, copayments, and coinsurance. CSRs are only available with Silver-tier plans, making these plans a particularly good value for eligible individuals.

Health First Colorado (Medicaid) and CHP+

Colorado expanded Medicaid in 2014, known as Health First Colorado. This means that adults with household incomes up to 138% of the FPL may qualify for comprehensive health coverage at little to no cost. For example, a single individual earning less than approximately $20,780 per year (for 2023 FPL, which determines 2024 eligibility) could be eligible. 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. Children in households up to 260% FPL can also qualify for CHP+. Applications for these programs can be submitted through Colorado PEAK (colorado.gov/PEAK).

Health Insurance Carriers in Westminster

For 2026, 6 carriers offer marketplace plans in Colorado Rating Area 1, which covers Adams, Arapahoe, Broomfield, Denver, Douglas, and Jefferson counties. Westminster residents can choose from plans offered by these confirmed local carriers:

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

It is important to compare plans from all available carriers to find the best fit for your specific needs, considering factors like network doctors, hospitals, prescription drug coverage, and overall costs.

Hospitals and Healthcare in Adams County

Westminster is located in Adams County, which has a population of 530,225 and an uninsured rate of 11.6% per U.S. Census Bureau ACS 2024 5-year estimates. The median household income in Adams County is $94,571. Adams County, part of Colorado Rating Area 1, is served by several major healthcare facilities that provide a wide range of services to Westminster residents. These hospitals include:

Intermountain Health Platte Valley Hospital (Brighton)
University of Colorado Hospital Authority (Aurora)
HCA Healthone Mountain Ridge (Thornton)
Children's Hospital Colorado (Aurora)

These facilities ensure that residents have access to acute care, specialized treatments, and pediatric services within the county or nearby. When choosing a health plan, it's always advisable to check if your preferred doctors and hospitals are within the plan's network, especially for HMO and EPO plans.

Choosing the Right Plan for You in Westminster

Selecting the right health insurance plan depends on your individual health needs, financial situation, and preferences for accessing care. Consider the following:

Your income: If your income is below 138% FPL, you likely qualify for Health First Colorado (Medicaid). If it's between 100% and 400% FPL, you're eligible for premium tax credits. If it's between 100% and 250% FPL, a Silver plan offers additional cost-sharing reductions.
Your healthcare usage: If you anticipate frequent doctor visits or need regular prescriptions, a Gold or Platinum plan with lower out-of-pocket costs may save you money in the long run, despite higher premiums. If you mostly need catastrophic coverage, a Bronze plan might be suitable.
Your preferred providers: Check if your doctors and local hospitals, such as Intermountain Health Platte Valley Hospital or University of Colorado Hospital Authority, are in the network of the plan you are considering.
Plan type: Decide whether an HMO, EPO, or PPO plan best fits your needs for flexibility in choosing providers and referrals.

A licensed health insurance producer can help you compare plans from Select Health and other carriers, explain subsidy eligibility, and guide you through the enrollment process at no cost to you.

Frequently Asked Questions

Is Select Health considered a good health insurance company in Colorado?

Select Health is a well-established carrier offering a variety of plans through Connect for Health Colorado. Their offerings include essential health benefits and may feature different plan structures (HMO, EPO, PPO) to meet diverse needs. The best plan for you depends on your specific healthcare requirements, budget, and desired provider network.

What is the difference between an HMO, EPO, and PPO plan in Colorado?

HMO (Health Maintenance Organization): Generally requires you to choose a primary care physician (PCP) who coordinates your care and provides referrals to specialists. Care outside the network is typically not covered, except in emergencies.
EPO (Exclusive Provider Organization): Does not usually require a PCP or referrals, but you must stay within the plan's network for covered care (except emergencies).
PPO (Preferred Provider Organization): Offers the most flexibility, allowing you to see any doctor or specialist without a referral, both in-network and out-of-network. Out-of-network care usually costs more. PPO plans ARE available on-exchange in Colorado.

What is the Open Enrollment Period for 2026 plans in Westminster?

The Open Enrollment Period for 2026 health insurance plans through Connect for Health Colorado typically runs from November 1 to January 15 each year. During this time, you can enroll in a new plan, change your existing plan, or re-enroll for the upcoming year. If you miss this window, you may still qualify for a Special Enrollment Period if you experience a qualifying life event.

What is Colorado Rating Area 1?

Colorado Rating Area 1 is a geographic region used by health insurance carriers to determine plan pricing. Westminster is located within Rating Area 1, which also covers Adams, Arapahoe, Broomfield, Denver, Douglas, and Jefferson counties. This means that carriers offer the same set of plans and base rates to all residents within this multi-county rating area, although individual premiums will vary based on age, tobacco use, and household size.