Select Health Health Insurance Plans in Woodland Park, Colorado
- Select Health is one of 6 carriers offering marketplace health plans in Woodland Park for the 2026 plan year.
- Residents of Woodland Park, which is in Teller County, are part of Colorado Rating Area 5.
- Colorado's state-based marketplace, Connect for Health Colorado, offers subsidies to households earning up to 400% of the Federal Poverty Level.
- Colorado Medicaid (Health First Colorado) is available to adults with incomes up to 138% of the Federal Poverty Level.
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What Health Insurance Plans Are Available in Woodland Park?
In Woodland Park, Colorado, residents can choose from a variety of health insurance plans offered on Connect for Health Colorado. For the 2026 plan year, 6 confirmed carriers, including Select Health, provide coverage options in Rating Area 5, which encompasses both Teller and El Paso counties. These plans typically fall into three main categories:- Health Maintenance Organization (HMO) Plans: These plans usually require you to choose a primary care provider (PCP) within their network and get referrals for specialists. They often have lower premiums and out-of-pocket costs.
- Exclusive Provider Organization (EPO) Plans: EPO plans typically do not require a PCP referral for specialists, but you must stay within the plan's network for care, except in emergencies.
- Preferred Provider Organization (PPO) Plans: PPO plans offer the most 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 at a higher cost. PPO plans are available on-exchange in Colorado.
How Does Select Health Compare to Other Carriers in Woodland Park?
Select Health is one of the 6 carriers offering plans in Woodland Park's Rating Area 5 for 2026. The other carriers include Cigna, Denver Health Medical Plan, HMO Colorado, Kaiser Permanente, and United Healthcare. Each carrier offers various plans across different metal tiers (Bronze, Silver, Gold, and Platinum), designed to meet different budget and coverage needs.- Bronze Plans: Offer the lowest monthly premiums but have the highest deductibles and out-of-pocket costs. They are best for those who anticipate minimal medical care and want protection against catastrophic events.
- Silver Plans: Provide a balance between monthly premiums and out-of-pocket costs. They are particularly valuable for individuals and families who qualify for cost-sharing reductions, which can significantly lower deductibles, copayments, and coinsurance.
- Gold Plans: Feature higher monthly premiums but lower deductibles and out-of-pocket costs, making them suitable for those who expect to use medical services frequently.
Who Qualifies for Financial Assistance in Colorado?
Many Woodland Park residents may qualify for financial assistance to help pay for their health insurance premiums and out-of-pocket costs. Colorado has expanded Medicaid, and also offers subsidies through Connect for Health Colorado.- Premium Tax Credits: These subsidies lower your monthly premium payments. 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 example, a single individual earning up to approximately $58,320 per year (400% FPL in 2024) may be eligible.
- Cost-Sharing Reductions (CSRs): These subsidies reduce the amount you pay for deductibles, copayments, and coinsurance. CSRs are only available with Silver-tier plans and are typically for individuals and families with incomes up to 250% FPL.
- Medicaid (Health First Colorado): Colorado expanded its Medicaid program in 2014, known as Health First Colorado. Adults with incomes up to 138% FPL can qualify for comprehensive health coverage at little to no cost. For a single individual, this threshold is approximately $20,120 per year (2024 FPL).
- Child Health Plan Plus (CHP+): Colorado's CHP+ program covers pregnant women with incomes up to 195% FPL and children in households up to 260% FPL. This program provides comprehensive prenatal, delivery, and postpartum care for pregnant women, and full coverage for children. Applications can be submitted through Colorado PEAK (colorado.gov/PEAK).
How to Enroll in a Select Health Plan or Other Coverage
Enrolling in a health insurance plan in Woodland Park typically happens during the annual Open Enrollment Period, which usually runs from November 1st to January 15th each year for coverage beginning the following calendar year. However, you may be able to enroll outside of this period if you experience a Qualifying Life Event (QLE).Common Qualifying Life Events include:
- Losing existing health coverage (e.g., due to job loss, COBRA ending, aging off a parent's plan).
- Getting married or divorced.
- Having a baby, adopting a child, or placing a child for adoption or foster care.
- Moving to a new area where your current plan is not available.
- A significant change in household income that affects your eligibility for subsidies or Medicaid.
Is Select Health available in Woodland Park, Colorado?
Yes, Select Health is one of 6 health insurance carriers offering plans on Connect for Health Colorado in Rating Area 5, which covers Woodland Park and the rest of Teller County, for the 2026 plan year.
What types of plans does Select Health offer in Colorado?
Select Health, along with other carriers in Colorado, offers a variety of plan types including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans on the state's marketplace, Connect for Health Colorado.
Can I get financial help to pay for a Select Health plan in Woodland Park?
Yes, individuals and families in Woodland Park with incomes between 100% and 400% of the Federal Poverty Level may qualify for premium tax credits and cost-sharing reductions through Connect for Health Colorado, which can significantly lower monthly premiums and out-of-pocket costs for plans, including those from Select Health.
What is Connect for Health Colorado?
Connect for Health Colorado is Colorado's official state-based health insurance marketplace. It's where individuals and families can compare health plans, apply for financial assistance, and enroll in coverage that meets the Affordable Care Act (ACA) standards.