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

United Healthcare Health Insurance Plans in Broomfield, Colorado

United Healthcare is one of 6 health insurance carriers offering marketplace plans in Colorado Rating Area 1, which includes Broomfield, for 2026.
Broomfield residents can enroll in United Healthcare plans through Connect for Health Colorado, the state's official marketplace.
Colorado expanded Medicaid (Health First Colorado) in 2014, making adults with incomes up to 138% FPL eligible for low-cost coverage.
The uninsured rate in Broomfield is 4.4% as of U.S. Census Bureau ACS 2024 5-year estimates, significantly lower than the national average.

Navigating health insurance options in Broomfield, Colorado, involves understanding your choices through Connect for Health Colorado, the state's official marketplace. United Healthcare is one of the key providers in this region, offering a range of plans designed to meet diverse needs. Whether you're seeking individual, family, or small business coverage, United Healthcare plans are available alongside other carriers in Rating Area 1, which encompasses Broomfield and surrounding counties. These plans often come with financial assistance, such as premium tax credits and cost-sharing reductions, which can significantly lower your monthly premiums and out-of-pocket costs based on your household income.

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What United Healthcare Plans Are Available in Broomfield?

In Broomfield, United Healthcare offers plans through Connect for Health Colorado, allowing residents to compare options and apply for financial assistance. Colorado's marketplace includes a variety of plan types, such as 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 greater flexibility to choose providers both in and out of network, depending on the specific plan structure. United Healthcare plans, like all marketplace plans, are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate the percentage of healthcare costs the plan is expected to cover versus your out-of-pocket expenses:

Bronze Plans: Typically cover 60% of costs, with you paying 40%. They have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums.
Silver Plans: Cover approximately 70% of costs, with you paying 30%. These plans are the only ones eligible for cost-sharing reductions (CSRs), which can further lower deductibles, copayments, and out-of-pocket maximums for individuals and families below 250% of the Federal Poverty Level.
Gold Plans: Cover around 80% of costs, with you paying 20%. They have higher monthly premiums than Silver plans but lower deductibles and out-of-pocket maximums.
Platinum Plans: Cover about 90% of costs, with you paying 10%. These plans have the highest monthly premiums but the lowest out-of-pocket costs when you receive care.

When selecting a plan from United Healthcare or any other carrier, it's essential to consider your expected healthcare usage, your budget for monthly premiums, and your comfort level with potential out-of-pocket expenses.

Health Insurance Carriers in Broomfield

Broomfield is part of Colorado Rating Area 1, which covers Adams, Arapahoe, Broomfield, Denver, Douglas, and Jefferson counties. In 2026, 6 carriers offer marketplace plans in Rating Area 1. These carriers provide a competitive landscape for health insurance shoppers, including United Healthcare. The confirmed local carriers for Broomfield and Rating Area 1 are:

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

When comparing plans, it's important to review each carrier's specific plan offerings, provider networks, and formularies to ensure they align with your healthcare needs and preferences.

Understanding Financial Assistance and Medicaid in Broomfield

Many Broomfield residents may qualify for financial assistance to make health insurance more affordable. This assistance comes primarily in two forms through Connect for Health Colorado:

Premium Tax Credits (APTCs): These subsidies reduce your monthly premium payments. Eligibility is based on household income relative to the Federal Poverty Level (FPL) and is available to those earning between 100% and 400% FPL (or above 400% FPL if premiums exceed 8.5% of household income).
Cost-Sharing Reductions (CSRs): Available only with Silver plans, CSRs lower your deductibles, copayments, and out-of-pocket maximums. You may qualify if your household income is between 100% and 250% FPL.

For individuals and families with lower incomes, Colorado offers Health First Colorado, the state's Medicaid program. Colorado expanded Medicaid in 2014, meaning adults with household incomes up to 138% of the Federal Poverty Level may qualify for comprehensive health coverage at little to no cost. For pregnant women, Health First Colorado (Medicaid) and Child Health Plan Plus (CHP+) provide coverage up to 195% FPL, offering comprehensive prenatal, delivery, and postpartum care. Children in households up to 260% FPL may qualify for CHP+. Applications for these programs can be submitted through Colorado PEAK (colorado.gov/PEAK). Broomfield, Colorado, with a population of 76,304 and an uninsured rate of 4.4% per U.S. Census Bureau ACS 2024 5-year estimates, benefits from Colorado's expanded Medicaid program and robust marketplace. Access to local hospitals like Centura Health-st Anthony North Health Campus (located in Westminster but serving Broomfield County residents) is a key consideration for many when choosing a health plan. The median household income in Broomfield is $123,874, which suggests many residents will be eligible for significant premium tax credits on Connect for Health Colorado.

Making Your Health Insurance Decision in Broomfield

Choosing the right health insurance plan, whether from United Healthcare or another carrier, depends on your individual circumstances. Consider these steps:

Assess Your Income: Determine your estimated household income for the upcoming year to understand your eligibility for premium tax credits or Medicaid (Health First Colorado).
Evaluate Your Healthcare Needs: If you anticipate frequent doctor visits or require specific medications, a Gold or Platinum plan with lower out-of-pocket costs may be more cost-effective despite higher premiums. If you're generally healthy, a Bronze or Silver plan with lower premiums might be suitable.
Check Provider Networks: Ensure that your preferred doctors, specialists, and hospitals, such as Centura Health-st Anthony North Health Campus, are in the network of any plan you consider.
Compare Plan Types: Decide if an HMO, EPO, or PPO structure best fits your need for flexibility in choosing providers.

A licensed health insurance producer can provide personalized guidance, helping you compare United Healthcare plans and other options available in Broomfield, understand your subsidy eligibility, and enroll in a plan that meets your needs, all at no cost to you.

Frequently Asked Questions

Can I get United Healthcare health insurance in Broomfield, Colorado?

Yes, United Healthcare is one of 6 carriers offering marketplace health insurance plans in Colorado Rating Area 1, which includes Broomfield, for the 2026 plan year. You can enroll through Connect for Health Colorado.

What types of United Healthcare plans are available in Broomfield?

In Colorado, United Healthcare and other carriers offer a variety of plan types, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. PPO plans are available on-exchange in Colorado, offering more flexibility in provider choice.

How do I apply for United Healthcare plans or other health insurance in Broomfield?

You can apply for United Healthcare plans and other marketplace options through Connect for Health Colorado, the state's official health insurance marketplace. Financial assistance is available to eligible individuals based on income.

What are the income limits for Medicaid in Colorado?

Colorado expanded Medicaid (Health First Colorado) in 2014. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Medicaid with little to no cost. For 2026, this means an individual earning approximately $20,783 or less annually may be eligible.

Is Centura Health-st Anthony North Health Campus in network with United Healthcare plans?

Provider networks vary by specific plan. While Centura Health-st Anthony North Health Campus serves Broomfield County, you must verify directly with United Healthcare or through the Connect for Health Colorado plan comparison tool whether this hospital is in-network for the specific United Healthcare plan you are considering.