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

Self-Employed Landscaping Health Insurance in Severance, Colorado

Self-employed landscapers in Severance can find 2026 health insurance through Connect for Health Colorado.
6 confirmed carriers offer marketplace plans in Severance's Rating Area 4 for the 2026 plan year.
Individuals with income below 138% FPL may qualify for Health First Colorado (Medicaid).
Subsidies (Premium Tax Credits) are available to reduce monthly premiums for eligible incomes between 100-400% FPL.

For self-employed landscapers in Severance, Colorado, securing affordable health insurance is crucial for managing both personal health and business stability. In 2026, residents of Severance and the broader Weld County area can access a variety of health plans through Connect for Health Colorado, the state's official health insurance marketplace. Depending on your household income, you may qualify for significant financial assistance, such as Premium Tax Credits, to lower your monthly insurance premiums. Colorado's expanded Medicaid program, Health First Colorado, also offers comprehensive coverage at little to no cost for those meeting specific income thresholds, ensuring that vital healthcare services remain accessible.

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Understanding Your Health Insurance Options in Severance

As a self-employed individual, you have several avenues to explore for health insurance in Severance. The primary route for most is Connect for Health Colorado, which provides a centralized platform to compare plans, apply for subsidies, and enroll in coverage. Unlike some other states, Colorado's marketplace offers a full range of plan types, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) options. This flexibility allows you to choose a plan structure that best fits your needs, whether you prioritize lower monthly costs, broader provider networks, or the ability to see specialists without referrals.

Connect for Health Colorado: The Marketplace for Self-Employed

Connect for Health Colorado is designed to make shopping for health insurance straightforward. When you apply, the system evaluates your income and household size to determine your eligibility for financial help. This help can come in two main forms:

Premium Tax Credits (Subsidies): These credits reduce your monthly premium, making coverage more affordable. Eligibility is based on income relative to the Federal Poverty Level (FPL), typically for those earning between 100% and 400% FPL.
Cost-Sharing Reductions (CSRs): Available only with Silver plans, CSRs lower your out-of-pocket costs, such as deductibles, copayments, and coinsurance. These are available to individuals and families earning up to 250% FPL.

For self-employed landscapers, accurately estimating your annual income is vital for determining subsidy eligibility. It's important to account for all business income and deductions when applying.

Medicaid (Health First Colorado) Eligibility

Colorado is a Medicaid expansion state, meaning more adults qualify for the program. If your household income is at or below 138% of the Federal Poverty Level, you may be eligible for Health First Colorado. This program provides comprehensive health benefits with minimal or no out-of-pocket costs. Self-employed individuals who meet these income criteria should apply through Colorado PEAK (colorado.gov/PEAK). Colorado also offers specific Medicaid and Child Health Plan Plus (CHP+) programs for pregnant women and children. Pregnant women with incomes up to 195% FPL can qualify for comprehensive prenatal, delivery, and postpartum care through CHP+. Children in households up to 260% FPL are covered by CHP+.

Choosing the Right Plan for Your Landscaping Business

Selecting the ideal health plan involves balancing premiums, deductibles, network size, and out-of-pocket maximums. As a self-employed individual, you'll want a plan that not only covers your medical needs but also fits your budget, allowing you to invest in your business. Consider these factors when comparing plans:

Premiums: Your monthly payment for coverage. Subsidies can significantly reduce this cost.
Deductible: The amount you pay out-of-pocket before your insurance begins to cover costs (except for preventative care).
Copayments & Coinsurance: Fixed fees for services (copay) or a percentage of the cost (coinsurance) after your deductible is met.
Out-of-Pocket Maximum: The most you will pay for covered services in a plan year. Once this limit is reached, your plan pays 100% of covered costs.
Network: The group of doctors, hospitals, and pharmacies that your plan has contracted with. HMOs and EPOs typically have smaller, more restrictive networks, while PPOs offer more flexibility.

For self-employed individuals, the ability to deduct health insurance premiums can also be a significant tax advantage. If you are self-employed and not eligible to participate in an employer-sponsored health plan, you can typically deduct 100% of your health insurance premiums from your gross income, reducing your taxable income. This deduction applies to medical, dental, and long-term care insurance premiums.

Health Insurance Carriers in Severance

In 2026, 6 carriers offer marketplace plans in Rating Area 4, which includes Severance and all of Weld County. These carriers provide a range of plan options across different metal tiers (Bronze, Silver, Gold, and Platinum), allowing you to find coverage that aligns with your budget and healthcare needs. The confirmed local carriers for Severance and Weld County are:

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

When reviewing plans, pay close attention to the specific network for each carrier, especially if you have preferred doctors or need access to particular hospitals. For instance, Weld County is home to major acute care facilities like Banner North Colorado Medical Center and Uchealth Greeley Hospital, both located in Greeley. Verifying that your chosen plan includes these facilities, or other preferred providers, is an important step.

Making Your Health Insurance Decision in Severance

The best health insurance decision for a self-employed landscaper in Severance depends on individual circumstances, income, and health needs. Weld County's population of 350,396, with a median income of $97,097, indicates a diverse economic landscape where both subsidized marketplace plans and Health First Colorado are vital for ensuring coverage. Severance itself, with a population of 10,130 and a median income of $124,572, enjoys a significantly lower uninsured rate of 2.2% compared to the county average of 8.0%, suggesting effective access to coverage options. Here’s a general guide to help you navigate your choices:

Your Estimated Income	Recommended Action	Key Benefits
Below 138% FPL	Apply for Health First Colorado (Medicaid)	Comprehensive coverage, very low or no cost, strong benefits for pregnant women (up to 195% FPL) and children (up to 260% FPL).
100% - 250% FPL	Consider an Enhanced Silver Plan on Connect for Health Colorado	Significant Premium Tax Credits and Cost-Sharing Reductions, lowering both premiums and out-of-pocket costs (deductibles, copays).
251% - 400% FPL	Explore Bronze, Silver, or Gold Plans with Premium Tax Credits	Still eligible for Premium Tax Credits to reduce monthly premiums. Bronze plans offer lowest premiums, Gold/Platinum offer lower deductibles/copays.
Above 400% FPL	Compare Bronze, Silver, Gold, and Platinum Plans on Connect for Health Colorado	Not eligible for subsidies, but can still find competitive rates and comprehensive coverage options. Focus on balancing premiums with potential out-of-pocket costs.

Navigating these options can be complex, especially when considering the specifics of your business income and potential tax deductions. A licensed health insurance producer specializing in Colorado's marketplace can provide personalized guidance, help you understand your subsidy eligibility, and compare plans from all available carriers in Severance without any cost to you.

Frequently Asked Questions

Can I get health insurance if I'm a self-employed landscaper in Severance?

Yes, self-employed landscapers in Severance, Colorado, can access health insurance through Connect for Health Colorado, the state's official marketplace. Depending on your income, you may qualify for significant subsidies (Premium Tax Credits) that reduce your monthly premiums. You can also explore Medicaid (Health First Colorado) if your income is below 138% of the Federal Poverty Level.

What types of plans are available for self-employed individuals in Severance?

In Severance and Weld County, you can choose from various plan types on Connect for Health Colorado, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. PPO plans offer more flexibility in choosing providers outside a specific network without a referral, which can be beneficial if you travel or prefer a wider selection of specialists.

How do subsidies work for self-employed landscapers in Colorado?

Subsidies, or Premium Tax Credits, are available to eligible individuals and families based on their household income relative to the Federal Poverty Level. For 2026, if your income falls between 100% and 400% FPL, you may qualify for tax credits that lower your monthly health insurance premiums. These credits can be applied directly to your premium each month or claimed at tax time. Connect for Health Colorado can help you estimate your eligibility.

Is Health First Colorado (Medicaid) an option for self-employed individuals?

Yes, if your income is at or below 138% of the Federal Poverty Level, you may qualify for Health First Colorado (Colorado's Medicaid program). This program provides comprehensive health coverage at little to no cost. Self-employed individuals are encouraged to apply through Colorado PEAK (colorado.gov/PEAK) to determine their eligibility.