United Healthcare Health Insurance in Englewood, Colorado
- United Healthcare is one of six confirmed carriers offering health insurance plans on Connect for Health Colorado in Englewood's Rating Area 1 for 2026.
- Englewood residents may choose from Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans through the state marketplace.
- Individuals with incomes between $15,060 and $60,240 (for a single person in 2026) may qualify for significant subsidies to reduce monthly premiums and out-of-pocket costs.
- Health First Colorado (Medicaid) provides free or low-cost coverage for adults with incomes up to 138% of the Federal Poverty Level, approximately $20,783 for a single individual in 2026.
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What United Healthcare Plans Are Available in Englewood, CO?
United Healthcare is a prominent carrier within Colorado's health insurance marketplace, Connect for Health Colorado. In 2026, United Healthcare offers various plan types in Englewood, which is part of Rating Area 1. This means you can find plans structured as Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. Unlike some states, Colorado's marketplace, Connect for Health Colorado, includes PPO plans, providing Englewood residents with more flexibility in choosing their doctors and hospitals without referrals, depending on the plan type. When selecting a plan, it's important to understand the differences:- HMO (Health Maintenance Organization): Typically requires you to choose a primary care provider (PCP) within the plan's network and get referrals from your PCP to see specialists. HMOs generally have lower monthly premiums.
- EPO (Exclusive Provider Organization): Does not usually require a PCP referral to see specialists, but you must stay within the plan's network for care, except in emergencies.
- PPO (Preferred Provider Organization): Offers the most flexibility, allowing you to see any doctor or specialist without a referral, both in-network and out-of-network (though out-of-network care typically costs more). PPO plans generally have higher premiums.
Understanding Subsidies and Affordability in Englewood
Many Englewood residents can significantly reduce their health insurance costs through financial assistance available on Connect for Health Colorado. These subsidies come in two main forms:- Premium Tax Credits: These reduce your monthly premium payment. Eligibility is based on household income, with credits available for those earning between 100% and 400% of the Federal Poverty Level (FPL).
- Cost-Sharing Reductions (CSRs): These lower your out-of-pocket costs like deductibles, copayments, and coinsurance. CSRs are only available with Silver-tier plans for individuals earning up to 250% FPL.
| Household Size | 100% FPL (Approx.) | 138% FPL (Approx.) | 250% FPL (Approx.) | 400% FPL (Approx.) |
|---|---|---|---|---|
| 1 | $15,060 | $20,783 | $37,650 | $60,240 |
| 2 | $20,440 | $28,207 | $51,100 | $81,760 |
| 3 | $25,820 | $35,631 | $64,550 | $103,280 |
| 4 | $31,200 | $43,056 | $78,000 | $124,800 |
Medicaid in Colorado: Health First Colorado
Colorado expanded its Medicaid program, known as Health First Colorado, in 2014. This means that adults in Englewood with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for free or very low-cost health coverage. This expanded eligibility ensures that many low-income individuals and families have access to comprehensive health benefits without falling into a "coverage gap." For pregnant women, Colorado's Child Health Plan Plus (CHP+) covers those with household incomes up to 195% FPL, providing extensive prenatal, delivery, and postpartum care. Children in households up to 260% FPL are also eligible for CHP+ coverage. Applications for Health First Colorado and CHP+ can be submitted through Colorado PEAK at colorado.gov/PEAK.Health Insurance Carriers in Englewood
Englewood is located in Arapahoe County, which is part of Colorado Rating Area 1. This rating area covers Adams, Arapahoe, Broomfield, Denver, Douglas, and Jefferson counties. In 2026, six carriers offer marketplace plans in Rating Area 1 through Connect for Health Colorado. These carriers include:- Cigna
- Denver Health Medical Plan
- HMO Colorado
- Kaiser Permanente
- Select Health
- United Healthcare
Access to Care: Hospitals in Arapahoe County
Access to quality healthcare facilities is an important consideration when choosing a health insurance plan. Residents of Englewood, within Arapahoe County, have access to several acute care hospitals. The county's population of 659,844 and an uninsured rate of 9.3% (per U.S. Census Bureau ACS 2024 5-year estimates) highlight the need for robust healthcare infrastructure. Hca-healthone DBA Swedish Medical Center in Englewood serves as a major local facility, providing comprehensive medical services. Other hospitals in Arapahoe County include The Medical Center of Aurora & South Hospital in Aurora and Adventhealth Littleton in Littleton. When selecting a United Healthcare plan, it's advisable to verify that your preferred doctors and hospitals, such as Hca-healthone DBA Swedish Medical Center, are in the plan's network. Arapahoe County's 3 acute care hospitals, including Hca-healthone DBA Swedish Medical Center in Englewood, serve a population of 659,844 residents in Rating Area 1, which also covers Adams, Broomfield, Denver, Douglas, and Jefferson counties. The county's median income is $101,087, and its uninsured rate is 9.3% per U.S. Census Bureau ACS 2024 5-year estimates, indicating a significant need for accessible health coverage options.Making Your Decision for Health Coverage in Englewood
Choosing the right United Healthcare plan or any other marketplace plan in Englewood depends on your specific financial situation and healthcare needs. Here’s a guide to help you decide:- If your income is below 138% FPL: You likely qualify for Health First Colorado (Medicaid). This program offers comprehensive benefits at little to no cost.
- If your income is between 100% and 250% FPL: You are eligible for both premium tax credits and cost-sharing reductions. A Silver-tier plan will provide the best value, offering lower deductibles and copayments in addition to reduced monthly premiums.
- If your income is between 250% and 400% FPL: You are eligible for premium tax credits. You can use these credits to lower the cost of any metal-tier plan (Bronze, Silver, Gold, Platinum), but Silver plans will not automatically come with cost-sharing reductions.
- If your income is above 400% FPL: You do not qualify for federal subsidies, but you can still enroll in a United Healthcare plan or another carrier's plan through Connect for Health Colorado at full price, or explore off-marketplace options.
Frequently Asked Questions
Is United Healthcare available on the Connect for Health Colorado marketplace in Englewood?
Yes, United Healthcare is one of six carriers offering plans on Connect for Health Colorado in Rating Area 1, which includes Englewood, for the 2026 plan year.
What types of plans does United Healthcare offer in Englewood?
In Colorado, United Healthcare, along with other carriers, offers Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans on the Connect for Health Colorado marketplace. PPO plans are available on-exchange in Colorado.
Can I get financial assistance for United Healthcare plans in Englewood?
Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits and cost-sharing reductions when enrolling in a United Healthcare plan, or any other marketplace plan, through Connect for Health Colorado. For 2026, the FPL for a single individual is $15,060 and for a family of four is $31,200, with subsidies available up to $60,240 for a single person or $124,800 for a family of four.
What is Health First Colorado, and can I qualify in Englewood?
Health First Colorado is Colorado's Medicaid program. Because Colorado expanded Medicaid in 2014, adults in Englewood with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive, low-cost or no-cost health coverage. For a single individual, this threshold is approximately $20,783 per year in 2026.