Can I get health insurance if I'm a self-employed roofer in Aurora?

Yes, self-employed roofers in Aurora can access health insurance through Connect for Health Colorado, the state's official marketplace. Depending on your income, you may qualify for significant subsidies to reduce your monthly premiums and out-of-pocket costs. Plans available include HMO, EPO, and PPO options.

What are the income limits for subsidies for self-employed individuals in Colorado?

For 2026, individuals and families can qualify for premium tax credits (subsidies) if their household income is between 100% and 400% of the Federal Poverty Level (FPL). For an individual, this typically means an income between approximately $15,060 and $60,240, though exact FPL numbers can change annually. Enhanced subsidies are available for those below 250% FPL.

What is Health First Colorado, and do I qualify as a self-employed roofer?

Health First Colorado is the state's Medicaid program. As Colorado has expanded Medicaid, self-employed individuals and families with household incomes up to 138% of the Federal Poverty Level may qualify for comprehensive, low-cost or no-cost coverage. For an individual, this is approximately $20,783 per year in 2026.

Self-Employed Roofing Health Insurance in Aurora, Colorado

Q: Which hospitals in Arapahoe County serve Aurora residents?

Residents of Aurora and Arapahoe County have access to several acute care facilities. Key hospitals include The Medical Center of Aurora & South Hospital in Aurora, Hca-healthone DBA Swedish Medical Center in Englewood, and Adventhealth Littleton in Littleton. It's important to confirm that any chosen health plan includes your preferred providers.

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

Self-employed roofers in Aurora can enroll in health plans through Connect for Health Colorado, the state's official marketplace.
In 2026, 6 carriers offer marketplace plans in Rating Area 1, which includes Aurora, Adams, Broomfield, Denver, Douglas, and Jefferson counties.
Individuals with incomes up to 138% FPL (approximately $20,783) may qualify for Health First Colorado (Medicaid), while those up to 400% FPL qualify for premium subsidies.
Aurora's uninsured rate is 13.7% (U.S. Census Bureau ACS 2024 5-year estimates), highlighting the need for accessible coverage.

Navigating health insurance as a self-employed roofer in Aurora, Colorado, involves understanding your options through Connect for Health Colorado, the state's health insurance marketplace. As a self-employed individual, you're responsible for securing your own coverage, which can be a significant business expense. Fortunately, Colorado's expanded Medicaid program, Health First Colorado, and robust marketplace subsidies can make quality health insurance accessible and affordable. This guide will walk you through the specific plans, carriers, and financial assistance available to you in Aurora, ensuring you can protect your health and your business.

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What Are Your Health Insurance Options as a Self-Employed Roofer in Aurora?

As a self-employed individual, your primary avenues for health insurance in Aurora fall into two main categories: the Affordable Care Act (ACA) marketplace and Colorado's Medicaid program.

Connect for Health Colorado (ACA Marketplace): This is the official state-based marketplace where you can compare and enroll in private health insurance plans. Plans are categorized into metal tiers (Bronze, Silver, Gold, Platinum) based on how you and your plan share costs. Crucially, self-employed individuals with incomes between 100% and 400% of the Federal Poverty Level (FPL) may qualify for premium tax credits (subsidies) that significantly reduce your monthly premiums. Those with incomes below 250% FPL may also qualify for Cost-Sharing Reductions (CSRs) on Silver plans, which lower deductibles, co-pays, and out-of-pocket maximums.
Health First Colorado (Medicaid): Colorado expanded Medicaid in 2014, meaning adults with household incomes up to 138% of the FPL can qualify for comprehensive health coverage at little to no cost. For a single individual, this threshold is approximately $20,783 per year in 2026. This is a vital option for many self-employed individuals whose income fluctuates or is below the subsidy threshold for marketplace plans.
Child Health Plan Plus (CHP+): For families, Colorado's CHP+ program covers children in households up to 260% FPL and pregnant women up to 195% FPL, providing comprehensive care.

In Aurora, which is part of Colorado Rating Area 1, marketplace shoppers can choose from a variety of plan types, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. Unlike some states, PPO plans ARE available on-exchange in Colorado, offering more flexibility in provider choice.

Understanding Subsidies and Cost-Sharing Reductions

The cost of health insurance can be a major concern for self-employed roofers. The good news is that financial assistance is available through Connect for Health Colorado to make coverage more affordable.

Premium Tax Credits (Subsidies): These credits reduce your monthly premium. Eligibility is based on your household income relative to the Federal Poverty Level (FPL). If your income is between 100% and 400% FPL, you will likely qualify. For example, if your estimated 2026 income as a single self-employed individual is $45,000 (roughly 300% FPL), you would qualify for a substantial subsidy.

Cost-Sharing Reductions (CSRs): These are extra savings that lower your out-of-pocket costs like deductibles, co-payments, and co-insurance. You must enroll in a Silver-tier plan to receive CSRs, and they are available to individuals and families with incomes up to 250% FPL. CSRs can significantly reduce your financial exposure if you need medical care, making Silver plans a highly attractive option for eligible self-employed individuals.

For pregnant women in Colorado, the 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; the 195% threshold is the ceiling for the CHP+ pregnancy category. Applications can be submitted through Colorado PEAK (colorado.gov/PEAK).

Health Insurance Carriers in Aurora

In 2026, 6 carriers offer marketplace plans in Rating Area 1, which covers Adams, Arapahoe, Broomfield, Denver, Douglas, and Jefferson counties. As a self-employed roofer in Aurora, you will have choices from these confirmed local carriers:

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

When selecting a plan, it's essential to consider which of these carriers offer plans that include your preferred doctors, specialists, and hospitals. Each carrier may offer various plan types (HMO, EPO, PPO) with different networks and cost structures.

Local Healthcare Access in Aurora and Arapahoe County

Aurora, Colorado, is a vibrant city within Arapahoe County, which is part of Colorado Rating Area 1. The city has a population of 394,432, with a median income of $88,368 and an uninsured rate of 13.7%, per U.S. Census Bureau ACS 2024 5-year estimates. This relatively high uninsured rate underscores the importance of understanding available health insurance options for self-employed individuals like roofers. Residents of Aurora have access to several acute care hospitals within Arapahoe County, including The Medical Center of Aurora & South Hospital in Aurora, Hca-healthone DBA Swedish Medical Center in Englewood, and Adventhealth Littleton in Littleton. When choosing a plan, verify that your preferred local providers are in-network to ensure convenient access to care.

Making Your Decision: How to Choose the Right Plan

Choosing the right health insurance plan as a self-employed roofer in Aurora depends on several factors, primarily your income, health needs, and budget.

If your household income is up to 138% FPL: You will likely qualify for Health First Colorado (Medicaid). This program offers comprehensive benefits at very low or no cost. Apply through Colorado PEAK.

If your household income is between 100% and 250% FPL: You are eligible for significant premium tax credits and, crucially, Cost-Sharing Reductions (CSRs) if you choose a Silver plan. A Silver plan with CSRs often provides the best value, offering lower deductibles and out-of-pocket costs than Bronze or Gold plans for the same premium.

If your household income is between 250% and 400% FPL: You qualify for premium tax credits, which can still make a substantial difference in your monthly costs. You might consider a Bronze plan if you want the lowest monthly premium and don't expect much medical care, but be prepared for higher out-of-pocket costs if you need services. Gold plans offer lower deductibles and out-of-pocket maximums for a higher premium.

Consider your health needs: If you anticipate frequent doctor visits, prescription medications, or potential hospital stays, a plan with lower deductibles and out-of-pocket maximums (like Gold or a Silver plan with CSRs) may save you money in the long run, despite a higher monthly premium. If you are generally healthy and primarily want coverage for emergencies, a Bronze plan might be suitable.

Regardless of your situation, working with a licensed health insurance producer can simplify the process. They can help you compare plans, understand your subsidy eligibility, and enroll in coverage through Connect for Health Colorado at no extra cost to you.

Frequently Asked Questions

Can I deduct health insurance premiums as a self-employed individual?

Yes, if you are self-employed and not eligible to participate in an employer-sponsored health plan, you can generally deduct the premiums you pay for health insurance for yourself, your spouse, and your dependents. This is an above-the-line deduction, meaning it reduces your adjusted gross income (AGI), which can also impact your eligibility for other tax credits and deductions. Consult a tax professional for personalized advice.

What if my income changes during the year?

It's crucial to report any significant changes in your household income or family size to Connect for Health Colorado promptly. Changes can affect your eligibility for premium tax credits and Cost-Sharing Reductions. Updating your information ensures you receive the correct amount of financial assistance and avoid issues at tax time.

Can I get a PPO plan on Connect for Health Colorado?

Yes, in Colorado, PPO plans ARE available on-exchange through Connect for Health Colorado. This offers more flexibility compared to some other states where only HMO or EPO plans are available on the marketplace. Carriers like Denver Health Medical Plan and HMO Colorado, among others, offer PPO options in Rating Area 1, which includes Aurora.

What is the difference between an HMO, EPO, and PPO plan?

HMO (Health Maintenance Organization) plans generally require you to choose a primary care physician (PCP) within their network and get referrals for specialists. EPO (Exclusive Provider Organization) plans don't require a PCP or referrals, but only cover care from providers within their network, except in emergencies. PPO (Preferred Provider Organization) plans offer the most flexibility, allowing you to see any provider without a referral, both in and out of network (though out-of-network care typically costs more).