Can I get health insurance if I'm self-employed in construction?

Yes, self-employed construction workers in Greenwood Village, Colorado, can access comprehensive health insurance through Connect for Health Colorado, the state's official marketplace. You may qualify for significant subsidies based on your income, making coverage more affordable. Options include HMO, EPO, and PPO plans from multiple carriers.

What are the income limits for subsidies in Colorado?

For 2026, individuals and families in Colorado with incomes between 100% and 400% of the Federal Poverty Level (FPL) typically qualify for premium tax credits through Connect for Health Colorado. For a single individual, this range is approximately $15,060 to $60,240 annually, though exact figures vary slightly each year based on FPL updates. Those with incomes below 138% FPL may qualify for Health First Colorado (Medicaid).

Are PPO plans available on Connect for Health Colorado in Greenwood Village?

Yes, PPO plans are available on-exchange through Connect for Health Colorado for residents of Greenwood Village and Arapahoe County. Carriers such as Denver Health Medical Plan and HMO Colorado offer PPO options, alongside HMO and EPO plans, providing greater flexibility in choosing doctors and hospitals.

How does Health First Colorado (Medicaid) work for self-employed individuals?

Health First Colorado (Colorado's Medicaid program) is available to eligible adults, including self-employed individuals, with incomes up to 138% of the Federal Poverty Level. This program offers comprehensive health coverage at little to no cost. Self-employed individuals can apply through Colorado PEAK (colorado.gov/PEAK) to determine their eligibility.

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

Health Insurance for Self-Employed Construction Workers in Greenwood Village, Colorado

Self-employed construction workers in Greenwood Village can find subsidized health plans through Connect for Health Colorado, the state marketplace.
In 2026, 6 carriers offer marketplace plans in Rating Area 1, which includes Greenwood Village, with options for HMO, EPO, and PPO plans.
Individuals with incomes up to 138% FPL may qualify for Health First Colorado (Medicaid), while those up to 400% FPL may receive premium tax credits.
Greenwood Village has a low uninsured rate of 2.2%, significantly below Arapahoe County's 9.3%, indicating strong local access to coverage options.

As a self-employed construction worker in Greenwood Village, Colorado, securing reliable health insurance is crucial for managing both your health and your finances. The good news is that Colorado's state-based marketplace, Connect for Health Colorado, offers a range of comprehensive and often subsidized health plans designed for individuals and families. These plans provide essential health benefits, protecting you from high medical costs associated with unexpected illness or injury. Your eligibility for financial assistance, such as premium tax credits, will depend on your household income and size, helping to make quality coverage more affordable.

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Understanding Your Health Insurance Options in Greenwood Village

For self-employed individuals in Greenwood Village, the primary avenue for health insurance is Connect for Health Colorado. This marketplace allows you to compare plans, apply for financial assistance, and enroll in coverage. In 2026, residents of Greenwood Village, which is part of Colorado Rating Area 1, have access to a variety of plan types, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. PPO plans are indeed available on-exchange in Colorado, offering greater flexibility in choosing healthcare providers compared to HMO or EPO options. Eligibility for subsidies, known as Advance Premium Tax Credits (APTCs), 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 typically qualify for these tax credits, which can significantly lower your monthly premiums. For example, a single individual earning between approximately $15,060 and $60,240 could see substantial reductions in their health insurance costs.

Greenwood Village, with a population of 15,420 and a median income of $149,029, is situated in Arapahoe County, which is served by major healthcare providers like Hca-healthone DBA Swedish Medical Center in Englewood and The Medical Center of Aurora & South Hospital. The city's uninsured rate of 2.2% (per U.S. Census Bureau ACS 2024 5-year estimates) is notably lower than Arapahoe County's 9.3%, reflecting strong local access to coverage options within Rating Area 1, which also covers Adams, Broomfield, Denver, Douglas, and Jefferson counties.

Choosing the Right Plan Tier for Your Needs

Connect for Health Colorado organizes plans into metal tiers: Bronze, Silver, Gold, and Platinum. Each tier offers a different balance between monthly premiums and out-of-pocket costs (deductibles, copayments, and coinsurance).

Bronze Plans: These plans have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. They are suitable if you expect minimal healthcare use and want protection against catastrophic medical events. They cover 60% of costs on average, with you paying 40%.
Silver Plans: Silver plans offer moderate premiums and out-of-pocket costs. They cover 70% of costs on average. Crucially, if your income falls below 250% FPL, you may qualify for Cost-Sharing Reductions (CSRs) exclusively available with Silver plans. CSRs lower your deductibles, copayments, and out-of-pocket maximums, making Silver plans a much better value for many self-employed individuals.
Gold Plans: With higher monthly premiums, Gold plans offer lower deductibles and out-of-pocket costs. They cover 80% of costs on average, making them a good choice if you anticipate regular medical care or prefer more predictable costs.
Platinum Plans: These plans have the highest premiums but the lowest deductibles and out-of-pocket costs, covering 90% of costs on average. They are ideal for individuals who expect extensive medical care and want the most comprehensive coverage with minimal out-of-pocket expenses.

As a self-employed individual, you can deduct 100% of your health insurance premiums from your gross income if you are not eligible for an employer-sponsored plan elsewhere, which can provide a significant tax advantage.

Health First Colorado (Medicaid) and CHP+ for Lower Incomes

Colorado expanded its Medicaid program in 2014, known as Health First Colorado. If your income is at or below 138% of the Federal Poverty Level (approximately $20,782 for an individual in 2026), you may qualify for comprehensive health coverage through Health First Colorado at little to no cost. This program covers a wide range of services, including doctor visits, hospital stays, prescription drugs, and mental health care. For pregnant women, Colorado's Child Health Plan Plus (CHP+) covers those with incomes up to 195% FPL with comprehensive prenatal, delivery, and postpartum care. Because Colorado has expanded Medicaid, women at or below 138% FPL qualify for full Health First Colorado first. CHP+ also covers children in households up to 260% FPL. Applications for both Health First Colorado and CHP+ can be submitted through Colorado PEAK (colorado.gov/PEAK).

Health Insurance Carriers in Greenwood Village

In 2026, 6 carriers offer marketplace plans in Rating Area 1, which serves Greenwood Village and the surrounding Arapahoe County area. These carriers provide a range of plan options across the Bronze, Silver, Gold, and Platinum metal tiers. The confirmed carriers for this rating area are:

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

When choosing a plan, it is important to consider not only the premiums and cost-sharing but also the network of doctors and hospitals. Verify that your preferred healthcare providers, such as Hca-healthone DBA Swedish Medical Center in Englewood or The Medical Center of Aurora & South Hospital in Aurora, are included in the plan's network.

Navigating Enrollment as a Self-Employed Individual

The primary enrollment period for health insurance through Connect for Health Colorado typically runs from November 1st to January 15th each year for coverage starting the following year. However, if you experience certain life changes, you may qualify for a Special Enrollment Period (SEP). Qualifying life events for self-employed individuals include:

Losing existing health coverage (e.g., if you were previously on a spouse's plan and they lost their job).
Getting married or divorced.
Having a baby or adopting a child.
Moving to a new area that offers different health plans.
A significant change in income that affects your subsidy eligibility.

It is essential to report any changes in your income or household to Connect for Health Colorado promptly to ensure your subsidies are adjusted correctly. As a self-employed individual, income can fluctuate, so keeping your marketplace profile updated is key to avoiding issues with tax credits.

Frequently Asked Questions

Can I deduct health insurance premiums if I'm self-employed?

Yes, if you are self-employed and not eligible to participate in an employer-sponsored health plan, you can typically deduct 100% of the health insurance premiums you pay for yourself, your spouse, and your dependents. This deduction is taken as an adjustment to income, rather than an itemized deduction, making it accessible even if you don't itemize.

What if my income fluctuates throughout the year?

If your income fluctuates as a self-employed construction worker, it is crucial to update your income estimates on Connect for Health Colorado promptly. This helps ensure you receive the correct amount of premium tax credits. Underestimating your income could lead to owing money back at tax time, while overestimating could mean you miss out on subsidies you are eligible for.

What is Rating Area 1 in Colorado?

Rating Area 1 is a specific geographic region in Colorado used by health insurance carriers to determine plan prices. Greenwood Village is located within Rating Area 1, which also covers Adams, Arapahoe, Broomfield, Denver, Douglas, and Jefferson counties. All residents within this rating area have access to the same set of plans and base rates, though individual premiums will vary based on age, tobacco use, and plan choice.

Do I need to live in Greenwood Village to buy a plan there?

You must reside in the plan's service area to enroll in a health insurance plan. If you are a self-employed construction worker living in Greenwood Village, you will enroll in plans offered in Colorado Rating Area 1. Your official residence determines which plans are available to you on Connect for Health Colorado.