United Healthcare Health Insurance Plans in Broomfield County, Colorado
- In 2026, United Healthcare is one of 6 carriers offering marketplace health insurance plans in Broomfield County, Colorado.
- Colorado's state-based marketplace, Connect for Health Colorado, offers HMO, EPO, and PPO plan types, with PPOs available on-exchange.
- Adults in Broomfield County with household income up to 138% of the Federal Poverty Level may qualify for Health First Colorado (Medicaid).
- Broomfield County, with a population of 76,304, is part of Colorado Rating Area 1, which also includes Adams, Arapahoe, Denver, Douglas, and Jefferson counties.
Get Your Free Health Insurance Quote
A licensed agent can compare coverage options for you at no cost.
You're all set!
A licensed agent will reach out shortly.
What United Healthcare Plans Are Available in Broomfield County?
For 2026, United Healthcare offers health insurance plans through Connect for Health Colorado, the state's official health insurance marketplace. As one of 6 carriers serving Rating Area 1, which covers Adams, Arapahoe, Broomfield, Denver, Douglas, and Jefferson counties, United Healthcare provides residents with choices designed to fit various needs and budgets. The Colorado marketplace offers a range of plan types, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) options. Unlike some states, PPO plans are available on-exchange in Colorado, offering greater flexibility in provider networks. When evaluating United Healthcare plans, you will find options categorized by metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate the plan's actuarial value, or the average percentage of healthcare costs the plan is expected to cover for a standard population:- Bronze plans typically cover 60% of costs, with you paying 40%. They have the lowest monthly premiums but the highest out-of-pocket costs when you need care.
- Silver plans cover 70% of costs, with you paying 30%. These are often a good balance for many, especially if you qualify for cost-sharing reductions (CSRs), which significantly lower your out-of-pocket maximums and deductibles.
- Gold plans cover 80% of costs, with you paying 20%. They have higher monthly premiums but lower costs when you receive medical services.
- Platinum plans cover 90% of costs, with you paying 10%. These have the highest premiums but the lowest out-of-pocket expenses.
How Can Financial Assistance Help with United Healthcare Premiums?
Many Broomfield County residents qualify for financial assistance to make their health insurance premiums more affordable. Connect for Health Colorado provides two main types of subsidies based on your household income and family size:- Premium Tax Credits (PTC): These subsidies lower your monthly premium payment. Eligibility is generally for individuals and families earning between 100% and 400% of the Federal Poverty Level (FPL). For example, in 2024, a single person earning between $14,580 and $58,320 would typically qualify.
- Cost-Sharing Reductions (CSRs): These are available exclusively with Silver-tier plans for those earning up to 250% FPL. CSRs reduce the amount you pay out-of-pocket for deductibles, copayments, and coinsurance, effectively making your Silver plan offer benefits closer to a Gold or even Platinum plan.
Medicaid and Child Health Plan Plus (CHP+) in Broomfield County
Colorado expanded its Medicaid program, known as Health First Colorado, in 2014. This means that adults in Broomfield County with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive health coverage at little to no cost. For a single individual in 2024, this threshold would be approximately $20,120 per year. Health First Colorado provides a robust benefits package, including doctor visits, hospital stays, prescription drugs, mental health services, and more. For pregnant women, Colorado's Child Health Plan Plus (CHP+) offers coverage up to 195% FPL, providing comprehensive prenatal, delivery, and postpartum care. Women at or below 138% FPL will qualify for full Health First Colorado benefits first. CHP+ also covers children in households up to 260% FPL. You can apply for Health First Colorado and CHP+ through Colorado PEAK (colorado.gov/PEAK). Unlike states that have not expanded Medicaid, Colorado does not have a "coverage gap" for adults between 100% and 138% FPL. Broomfield County, 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 these expanded programs, ensuring more residents have access to affordable healthcare options through Health First Colorado or subsidized marketplace plans. The county's median income is $123,874, reflecting a diverse economic landscape where both subsidized and full-price plans are relevant.Health Insurance Carriers in Broomfield County
In 2026, 6 carriers offer marketplace plans in Rating Area 1, which includes Broomfield County. These carriers provide a competitive landscape for residents seeking health insurance through Connect for Health Colorado. The confirmed carriers for this rating area are:- Cigna
- Denver Health Medical Plan
- HMO Colorado
- Kaiser Permanente
- Select Health
- United Healthcare
Making Your Health Insurance Decision in Broomfield County
Choosing the right health insurance plan, whether from United Healthcare or another carrier, requires careful consideration of your specific needs, budget, and health situation.- Assess Your Income: Your household income is the primary factor determining eligibility for subsidies or Health First Colorado. Use Connect for Health Colorado's tools to get an estimate.
- Consider Your Healthcare Needs: If you anticipate frequent doctor visits or have ongoing medical conditions, a Gold plan with a higher premium but lower out-of-pocket costs might be more economical. If you are generally healthy and prefer lower monthly premiums, a Bronze plan could be suitable, especially if you have an emergency fund for unexpected costs.
- Check Provider Networks: Ensure your preferred doctors, specialists, and hospitals are in the network of the plan you choose. For residents of Broomfield County, this includes confirming access to facilities like Centura Health-st Anthony North Health Campus.
- Review Plan Types: Decide if an HMO, EPO, or PPO best fits your preference for provider choice and referral requirements. Remember that PPOs are available on-exchange in Colorado.
Frequently Asked Questions
Can I get United Healthcare health insurance through Connect for Health Colorado?
Yes, United Healthcare is one of 6 carriers offering plans on Connect for Health Colorado in Rating Area 1, which includes Broomfield County, for the 2026 plan year. You can enroll during open enrollment or a special enrollment period.
What types of United Healthcare plans are available in Broomfield County?
In Colorado's marketplace, United Healthcare, along with other carriers, offers HMO, EPO, and PPO plans. PPO plans are available on-exchange, giving you more flexibility in choosing providers.
How do I know if I qualify for financial help for United Healthcare plans?
Eligibility for subsidies (premium tax credits and cost-sharing reductions) depends on your household income relative to the Federal Poverty Level (FPL). For example, a single person earning between $14,580 and $58,320 (100% to 400% FPL) in 2024 (income thresholds adjust annually) may qualify for premium tax credits to lower their monthly costs. Connect for Health Colorado can help you determine your exact eligibility.
Does Broomfield County have its own Medicaid program?
Colorado expanded Medicaid (Health First Colorado) in 2014, making it available statewide, including Broomfield County. Adults with income up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive, low-cost or no-cost coverage through Health First Colorado. Pregnant women may qualify up to 195% FPL through CHP+.