Self-Employed Health Insurance in Northglenn, Colorado

Self-employed individuals in Northglenn can enroll in health coverage through Connect for Health Colorado, the state's official marketplace.
In 2026, 6 carriers offer marketplace plans in Northglenn's Rating Area 1, including Cigna and Kaiser Permanente.
Coloradans with income up to 138% of the Federal Poverty Level (FPL) may qualify for Health First Colorado (Medicaid).
PPO plans are available on-exchange through Connect for Health Colorado, alongside HMO and EPO options.

If you are self-employed in Northglenn, Colorado, securing affordable and comprehensive health insurance is a critical step in managing your health and finances. The good news is that Colorado offers robust options through its state-based marketplace, Connect for Health Colorado, where you can find plans that fit your needs and budget. Many self-employed individuals qualify for significant financial assistance, making coverage more accessible than ever. Understanding your options, from subsidized marketplace plans to Medicaid, is key to making an informed decision.

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How Self-Employed Individuals Can Get Health Insurance in Northglenn

For self-employed residents of Northglenn, the primary avenue for obtaining health insurance is through Connect for Health Colorado. This marketplace allows you to compare various health plans, apply for financial assistance, and enroll in coverage. Unlike employer-sponsored plans, marketplace coverage is designed to be flexible and portable, adapting to your self-employment income fluctuations. When you apply through Connect for Health Colorado, your household income will be assessed to determine your eligibility for subsidies. These subsidies come in two forms:

Premium Tax Credits (PTC): These credits reduce your monthly premium payments. The amount you receive depends on your income and household size, and they are available to individuals and families earning between 100% and 400% of the Federal Poverty Level (FPL).
Cost-Sharing Reductions (CSRs): Available to those earning up to 250% FPL, CSRs lower your out-of-pocket costs like deductibles, copayments, and coinsurance. These are only available with Silver-tier plans.

Colorado has expanded its Medicaid program, known as Health First Colorado. If your income is at or below 138% of the Federal Poverty Level (FPL), you may qualify for Health First Colorado, which provides comprehensive coverage at little to no cost.

Understanding Health Plan Options in Northglenn

When shopping for health insurance on Connect for Health Colorado, you'll encounter various plan types and metal tiers. Understanding these can help you choose the best fit for your self-employed lifestyle.

Plan Types Available

In Colorado, self-employed individuals in Northglenn can choose from a variety of plan structures:

Health Maintenance Organization (HMO) Plans: These plans typically require you to choose a primary care provider (PCP) within their network and get referrals for specialists. They often have lower premiums.
Exclusive Provider Organization (EPO) Plans: EPO plans offer a network of doctors and hospitals you must use, similar to an HMO, but usually do not require referrals for specialists.
Preferred Provider Organization (PPO) Plans: PPO plans offer more flexibility, allowing you to see out-of-network providers, often at a higher cost. Importantly, PPO plans ARE available on-exchange through Connect for Health Colorado in Rating Area 1, offered by carriers such as Denver Health Medical Plan and HMO Colorado.

Metal Tiers Explained

Marketplace plans are categorized into metal tiers (Bronze, Silver, Gold, Platinum) based on how costs are shared between you and the insurer:

Metal Tier	Insurer Pays (on average)	You Pay (on average)	Key Features
Bronze	60%	40%	Lowest premiums, highest deductibles. Good for those who expect minimal medical care or want catastrophic coverage.
Silver	70%	30%	Moderate premiums and deductibles. The only tier eligible for Cost-Sharing Reductions (CSRs). Often the best value if you qualify for CSRs.
Gold	80%	20%	Higher premiums, lower deductibles and out-of-pocket costs. Good for those who expect regular medical care.
Platinum	90%	10%	Highest premiums, lowest out-of-pocket costs. Best for those with significant ongoing medical needs.

For self-employed individuals, Silver plans are often a strong consideration, especially if you qualify for Cost-Sharing Reductions, as they can significantly reduce your out-of-pocket expenses beyond just the premium.

Health Insurance Carriers in Northglenn

Northglenn is located in Colorado Rating Area 1, which also covers Adams, Arapahoe, Broomfield, Denver, Douglas, and Jefferson counties. In 2026, 6 carriers offer marketplace plans in Rating Area 1 through Connect for Health Colorado. These carriers provide a range of options for self-employed individuals:

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

It is important to review the specific plans offered by each carrier and ensure their provider networks include the doctors and hospitals you prefer. Adams County, which includes Northglenn, is served by major hospital systems such as Intermountain Health Platte Valley Hospital in Brighton, University of Colorado Hospital Authority in Aurora, and HCA Healthone Mountain Ridge in Thornton. The population of Northglenn is 38,014, with an uninsured rate of 8.5% per U.S. Census Bureau ACS 2024 5-year estimates.

Making Your Health Insurance Decision

Choosing the right health plan as a self-employed individual in Northglenn involves considering your income, health needs, and budget. Here's a guide to help you navigate your options:

Your Income Level (as % FPL)	Recommended Action	Details
Below 138% FPL	Apply for Health First Colorado (Medicaid)	Colorado expanded Medicaid in 2014, so adults with income up to 138% FPL qualify for comprehensive, low-cost coverage. You can apply through Colorado PEAK (colorado.gov/PEAK).
138% - 250% FPL	Enroll in an Enhanced Silver Plan	You qualify for both premium tax credits and significant cost-sharing reductions, making Silver plans very affordable with lower deductibles and copays.
250% - 400% FPL	Enroll in any Metal Tier with Premium Tax Credits	You qualify for premium tax credits to reduce your monthly premiums. Compare Bronze, Silver, and Gold plans to find the best balance of premium and out-of-pocket costs.
Above 400% FPL	Enroll in any Metal Tier (full premium)	While you won't qualify for subsidies, you can still purchase a comprehensive plan through Connect for Health Colorado. Consider your expected medical needs to choose between Bronze, Silver, or Gold plans.

Navigating these choices can be complex. A licensed health insurance producer can provide free, personalized guidance, helping you understand your subsidy eligibility and compare plans offered by Cigna, Kaiser Permanente, and other local carriers in Northglenn.

Frequently Asked Questions

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

Yes, self-employed individuals in Northglenn can purchase health insurance through Connect for Health Colorado, the state's official marketplace. You may qualify for premium tax credits and cost-sharing reductions based on your income.

What are the income limits for Health First Colorado (Medicaid) for self-employed individuals?

In Colorado, adults with income up to 138% of the Federal Poverty Level (FPL) may qualify for Health First Colorado (Medicaid). For a single individual in 2026, this threshold is approximately $21,000 annually. Eligibility varies by household size.

Are PPO plans available on the marketplace for self-employed residents in Northglenn?

Yes, PPO plans are available on-exchange through Connect for Health Colorado in Northglenn. In addition to HMO and EPO plans, self-employed individuals can choose from PPO options offered by carriers like Denver Health Medical Plan and HMO Colorado in Rating Area 1.

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

Generally, if you are self-employed and not eligible to participate in an employer-sponsored health plan, you can deduct the full amount of health insurance premiums for yourself, your spouse, and your dependents. This includes premiums for medical, dental, and long-term care insurance. Consult a tax professional for personalized advice.