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

Select Health Insurance Plans in Yuma County, Colorado

Select Health is one of 6 carriers offering plans on Connect for Health Colorado in Rating Area 9 for 2026.
Yuma County is part of Rating Area 9, which includes 28 other counties across eastern Colorado.
Colorado residents with incomes up to 138% FPL (e.g., $20,380 for an individual) may qualify for Health First Colorado (Medicaid).
Yuma County has a population of 9,979 and an uninsured rate of 15.7% per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Yuma County, Colorado, especially when looking for specific carriers like Select Health, involves understanding the state's marketplace, Connect for Health Colorado. For 2026, Select Health is an active participant, offering a range of plans to residents in Yuma County. These plans are available alongside offerings from five other carriers within Rating Area 9, allowing individuals and families to compare benefits, networks, and costs. Whether you're seeking comprehensive coverage, looking to reduce out-of-pocket expenses, or need specific provider access, understanding how Select Health fits into the broader Colorado health insurance landscape is key to making an informed decision.

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What Select Health Plans Are Available in Yuma County?

In Yuma County, Select Health provides marketplace health insurance plans through Connect for Health Colorado, the state's official health insurance exchange. As part of 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, Select Health's offerings are designed to meet the diverse needs of residents in this region. Colorado's marketplace offers a variety of plan types, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans, ensuring that marketplace shoppers have multiple structural options for their coverage. When choosing a plan, it's important to consider your healthcare needs, preferred doctors, and budget. Select Health plans, like all marketplace plans, are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate how you and your plan share the cost of care:

Bronze plans typically have the lowest monthly premiums but the highest deductibles and out-of-pocket costs, covering about 60% of average healthcare costs. They are best for those who expect to use medical services infrequently.
Silver plans offer a balance of moderate premiums and out-of-pocket costs, covering about 70% of average costs. They are particularly valuable for individuals who qualify for Cost-Sharing Reductions (CSRs), which can significantly lower deductibles and copayments.
Gold plans have higher monthly premiums but lower deductibles and out-of-pocket costs, covering about 80% of average costs. These are suitable for those who anticipate needing more medical care and want more predictable expenses.

Residents of Yuma County can evaluate Select Health's specific plans within these tiers on Connect for Health Colorado to find coverage that aligns with their financial and medical requirements.

How Do Subsidies Affect Select Health Plan Costs in Yuma County?

Financial assistance, in the form of Advance Premium Tax Credits (APTCs) and Cost-Sharing Reductions (CSRs), is crucial for making health insurance affordable for many Yuma County residents. These subsidies are available through Connect for Health Colorado and can significantly reduce the cost of a Select Health plan. Advance Premium Tax Credits (APTCs) lower your monthly premium payments. Eligibility for APTCs depends on your household income relative to the Federal Poverty Level (FPL). For 2026, individuals and families earning between 100% and 400% FPL may qualify for these credits. The exact amount of your subsidy is based on a sliding scale, ensuring that premiums are capped at a percentage of your income. Cost-Sharing Reductions (CSRs) are an additional form of assistance that lowers your out-of-pocket costs like 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. If you qualify for CSRs, a Select Health Silver plan could offer significantly better benefits than a standard Silver plan, sometimes even comparable to a Gold plan, but with lower premiums. Yuma County, with a median income of $60,545 and a poverty rate of 17.9% per U.S. Census Bureau ACS 2024 5-year estimates, has many residents who could benefit from these financial assistance programs. An individual earning up to approximately $59,000 (400% FPL) might qualify for premium tax credits, while those earning up to about $36,875 (250% FPL) could also benefit from cost-sharing reductions on a Silver plan. It is highly recommended to apply through Connect for Health Colorado to determine your exact eligibility for these subsidies.

Health Insurance Carriers in Yuma County

In 2026, 6 carriers offer marketplace plans in Rating Area 9, which includes Yuma County, through Connect for Health Colorado. This ensures that residents have a competitive selection of health insurance options. These carriers include:

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

Each of these carriers offers a variety of plans across different metal tiers (Bronze, Silver, Gold) and plan types (HMO, EPO, PPO), allowing residents to compare and choose the best fit for their healthcare needs and budget. It is important to review the specific plan details, provider networks, and formularies for each carrier on Connect for Health Colorado. Yuma County, part of Colorado Rating Area 9, has a population of 9,979 and an uninsured rate of 15.7% per U.S. Census Bureau ACS 2024 5-year estimates. The county has no acute care hospitals within its boundaries, meaning residents often travel to a neighboring county for acute medical care. This highlights the importance of choosing a health plan with a robust network that includes facilities and providers accessible to Yuma County residents, even if they are located outside the immediate county lines.

Choosing the Right Select Health Plan or Alternative in Yuma County

Selecting the appropriate health insurance plan, whether from Select Health or another carrier, depends heavily on your specific circumstances. Consider these factors when making your decision:

Your Situation	Recommended Action / Plan Type
Income below 138% FPL (e.g., $20,380 for an individual)	You likely qualify for Health First Colorado (Medicaid). Apply through Colorado PEAK (colorado.gov/PEAK) for comprehensive, low-cost or no-cost coverage.
Income between 100% and 250% FPL (e.g., $14,710 - $36,875 for an individual)	You qualify for Premium Tax Credits and Cost-Sharing Reductions (CSRs). Prioritize Silver-tier plans, as CSRs will significantly lower your out-of-pocket costs. Compare Select Health Silver plans against other carriers.
Income between 250% and 400% FPL (e.g., $36,875 - $59,000 for an individual)	You qualify for Premium Tax Credits. Compare Bronze, Silver, and Gold plans from Select Health and other carriers. Consider your expected medical use to choose the best balance of premium and out-of-pocket costs.
Income above 400% FPL (e.g., over $59,000 for an individual)	You may not qualify for subsidies. Focus on finding the best value among Bronze, Silver, and Gold plans. Consider your health needs and preferred provider networks.
Pregnant or have children	Colorado's Child Health Plan Plus (CHP+) covers pregnant women up to 195% FPL and children up to 260% FPL. Apply via Colorado PEAK. If your income is below 138% FPL, Health First Colorado (Medicaid) is the primary option.
Want specific doctors/hospitals	Verify that your preferred providers are in-network for any Select Health plan you consider. HMOs and EPOs have more restricted networks than PPOs.

A licensed health insurance producer can provide personalized guidance, helping you compare Select Health plans with others, verify provider networks, and ensure you receive all eligible financial assistance. This service is typically free and can save you significant time and money.

Frequently Asked Questions

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

Yes, Select Health is one of the 6 carriers offering plans on Connect for Health Colorado in Rating Area 9 for the 2026 plan year. This means you can enroll in a Select Health plan and potentially use subsidies to lower your monthly premiums if you qualify based on your income.

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

In Yuma County, Select Health offers various plan types, which may include Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. Colorado's marketplace allows for all three types, providing flexibility in how you access care. You can compare the specific plan structures and network options when you shop on Connect for Health Colorado.

What if I can't afford a Select Health plan even with subsidies?

If your income is below 138% of the Federal Poverty Level (approximately $20,380 for an individual in 2026), you may qualify for Health First Colorado, Colorado's Medicaid program. This program offers comprehensive, low-cost or no-cost coverage. You can apply through Colorado PEAK (colorado.gov/PEAK) to see if you are eligible.

When is the deadline to enroll in a Select Health plan for 2026?

The primary enrollment period for 2026 plans through Connect for Health Colorado typically runs from November 1 to January 15 each year. However, you may qualify for a Special Enrollment Period (SEP) outside of this window if you experience a qualifying life event such as losing other coverage, getting married, having a baby, or moving to a new service area.