Health insurance prices in Larimer County, CO (2026)
71 marketplace plans from 6 insurers. Cheapest plan $390/mo; typical Silver $606/mo. Official marketplace: Connect for Health Colorado (enter your ZIP for your real price and tax credit).
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy). Rating Area 4.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $390–$555 (typical $473) · Silver $509–$665 (typical $606) · Gold $502–$626 (typical $566) · Catastrophic $412–$423 (typical $418)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Kaiser Permanente | 16 | $418 | $451 | $556 | $559 | KP Colorado Option Bronze | |
| SelectHealthIntermountain Health | 11 | $390 | $403 | $580 | $548 | Select Health Value Bronze $8500 Medical Deductible | |
| Cigna HealthcareCigna Group | 14 | $472 | $500 | $608 | $607 | Cigna Connect Colorado Option Bronze | |
| Anthem Blue Cross Blue Shield (CO)Elevance Health (Blue Cross Blue Shield company) | 14 | $441 | $462 | $622 | $518 | Anthem Colorado Option Bronze Pathway Std | |
| Rocky Mountain Health Plans (UnitedHealthcare)UnitedHealth Group | 12 | $488 | $516 | $648 | $610 | RMHP Colorado Doctors Plan Bronze Essential ($0 Virtual Urgent Care, No Referrals) | |
| Elevate Health Plans (Denver Health) | 4 | $481 | $484 | $665 | $572 | Elevate Health Plans HSA Bronze HDHP |
All 71 plans in Larimer County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| SelectHealth | Select Health Value Bronze $8500 Medical Deductible | Expanded Bronze | EPO | $390 | $8,500 | $10,600 | $15,285 | |
| SelectHealth | Select Health Value Bronze $6900 Medical Deductible | Expanded Bronze | EPO | $403 | $6,900 | $10,600 | $15,433 | |
| Anthem Blue Cross Blue Shield (CO) | Anthem Catastrophic Pathway 10600 | Catastrophic | HMO | $412 | $10,600 | $10,600 | $15,547 | |
| Kaiser Permanente | KP Colorado Option Bronze | Expanded Bronze | HMO | $418 | $7,500 | $10,000 | $15,015 | |
| Kaiser Permanente | KP CO Catastrophic | Catastrophic | HMO | $423 | $10,600 | $10,600 | $15,679 | |
| Anthem Blue Cross Blue Shield (CO) | Anthem Colorado Option Bronze Pathway Std | Expanded Bronze | HMO | $441 | $7,500 | $10,000 | $15,289 | |
| Kaiser Permanente | KP CO Bronze 8500/50 | Expanded Bronze | HMO | $441 | $8,500 | $9,200 | $14,497 | |
| Kaiser Permanente | KP CO Bronze 6500/50 | Expanded Bronze | HMO | $451 | $6,500 | $9,200 | $14,607 | |
| Anthem Blue Cross Blue Shield (CO) | Anthem Bronze Pathway 10300 $0 Select Drugs | Expanded Bronze | HMO | $452 | $10,300 | $10,300 | $15,723 | |
| SelectHealth | Select Health Value Colorado Option Bronze | Expanded Bronze | EPO | $456 | $7,500 | $10,000 | $15,475 | |
| Kaiser Permanente | KP CO Bronze 7500/60 RX Copay | Expanded Bronze | HMO | $458 | $7,500 | $10,150 | $15,644 | |
| Anthem Blue Cross Blue Shield (CO) | Anthem Bronze Pathway 6000 $0 Select Drugs | Expanded Bronze | HMO | $462 | $6,000 | $10,600 | $16,142 | |
| Kaiser Permanente | KP CO Bronze 6500/35%/HSA | Expanded Bronze | HMO | $464 | $6,500 | $7,500 | $13,071 | |
| Anthem Blue Cross Blue Shield (CO) | Anthem Bronze Pathway 5650 Rx Copay $0 Select Drugs | Expanded Bronze | HMO | $471 | $5,650 | $10,600 | $16,255 | |
| Cigna Healthcare | Cigna Connect Colorado Option Bronze | Expanded Bronze | EPO | $472 | $7,500 | $10,000 | $15,660 | |
| Anthem Blue Cross Blue Shield (CO) | Anthem Bronze Pathway 8300 for HSA | Expanded Bronze | HMO | $474 | $8,300 | $8,300 | $13,987 | |
| Elevate Health Plans (Denver Health) | Elevate Health Plans HSA Bronze HDHP | Expanded Bronze | HMO | $481 | $6,950 | $7,100 | $12,867 | |
| Elevate Health Plans (Denver Health) | Elevate Health Plans Colorado Option Bronze | Expanded Bronze | HMO | $488 | $7,500 | $10,000 | $15,854 | |
| Rocky Mountain Health Plans (UnitedHealthcare) | RMHP Colorado Doctors Plan Bronze Essential ($0 Virtual Urgent Care, No Referrals) | Bronze | HMO | $488 | $10,600 | $10,600 | $16,460 | |
| Cigna Healthcare | Cigna Connect Flex Bronze 7200 | Expanded Bronze | EPO | $496 | $7,200 | $10,600 | $16,548 | |
| Cigna Healthcare | Cigna Connect Flex Bronze 10600 Rx Copay | Expanded Bronze | EPO | $500 | $10,600 | $10,600 | $16,602 | |
| Kaiser Permanente | KP Colorado Option Gold | Gold | HMO | $502 | $2,050 | $9,600 | $15,619 | |
| Rocky Mountain Health Plans (UnitedHealthcare) | RMHP Colorado Doctors Plan Colorado Option Bronze | Expanded Bronze | HMO | $505 | $7,500 | $10,000 | $16,055 | |
| Cigna Healthcare | Cigna Connect HSA Bronze 6500 | Expanded Bronze | EPO | $508 | $6,500 | $8,300 | $14,398 | |
| Kaiser Permanente | KP Colorado Option Silver | Silver | HMO | $509 | $4,400 | $9,800 | $15,914 | |
| Rocky Mountain Health Plans (UnitedHealthcare) | RMHP Colorado Doctors Plan Bronze Value ($0 Virtual Urgent Care, No Referrals) | Expanded Bronze | HMO | $513 | $7,000 | $10,600 | $16,762 | |
| Rocky Mountain Health Plans (UnitedHealthcare) | RMHP Colorado Doctors Plan Bronze Value HSA (No Referrals) | Expanded Bronze | HMO | $518 | $8,050 | $8,050 | $14,266 | |
| Anthem Blue Cross Blue Shield (CO) | Anthem Colorado Option Gold Pathway Std | Gold | HMO | $518 | $2,050 | $9,600 | $15,821 | |
| Rocky Mountain Health Plans (UnitedHealthcare) | RMHP Colorado Doctors Plan Bronze Value ($0 Virtual Urgent Care, No Referrals, Rx Copay) | Expanded Bronze | HMO | $530 | $8,000 | $10,600 | $16,962 | |
| SelectHealth | Select Health Value Gold $1500 Medical Deductible | Gold | EPO | $536 | $1,500 | $9,000 | $15,431 | |
| SelectHealth | Select Health Value Silver $3400 Medical Deductible | Silver | EPO | $541 | $3,400 | $10,000 | $16,493 | |
| Rocky Mountain Health Plans (UnitedHealthcare) | RMHP Colorado Doctors Plan Bronze Copay Focus ($0 Virtual Urgent Care, No Referrals) | Expanded Bronze | HMO | $543 | $0 | $10,600 | $17,112 | |
| SelectHealth | Select Health Value Colorado Option Gold | Gold | EPO | $543 | $2,050 | $9,600 | $16,119 | |
| SelectHealth | Select Health Value Gold $2200 Medical Deductible HSA Qualified | Gold | EPO | $553 | $2,200 | $8,500 | $15,140 | |
| Cigna Healthcare | Cigna Connect Flex Bronze 0 | Expanded Bronze | EPO | $555 | $0 | $10,600 | $17,257 | |
| Kaiser Permanente | KP CO Silver 4000/25 | Silver | HMO | $555 | $4,000 | $10,000 | $16,661 | |
| Kaiser Permanente | KP CO Silver 4500/35 RX Copay | Silver | HMO | $556 | $4,500 | $10,150 | $16,823 | |
| Kaiser Permanente | KP CO Gold 2000/20 | Gold | HMO | $559 | $2,000 | $8,700 | $15,406 | |
| Kaiser Permanente | KP CO Gold 3400/15% HSA | Gold | HMO | $559 | $3,400 | $4,800 | $11,514 | |
| SelectHealth | Select Health Value Silver $1500 Medical Deductible | Silver | EPO | $561 | $1,500 | $10,150 | $16,883 | |
| Kaiser Permanente | KP CO Silver 3800/25%/HSA | Silver | HMO | $562 | $3,800 | $7,500 | $14,248 | |
| Kaiser Permanente | KP CO Gold 1500/20 | Gold | HMO | $565 | $1,500 | $8,500 | $15,285 | |
| Cigna Healthcare | Cigna Connect Colorado Option Gold | Gold | EPO | $566 | $2,050 | $9,600 | $16,398 | |
| Elevate Health Plans (Denver Health) | Elevate Health Plans Colorado Option Gold | Gold | HMO | $572 | $2,050 | $9,600 | $16,467 | |
| Anthem Blue Cross Blue Shield (CO) | Anthem Colorado Option Silver Pathway Std | Silver | HMO | $575 | $4,400 | $9,800 | $16,701 | |
| Kaiser Permanente | KP CO Silver 2500/30 | Silver | HMO | $577 | $2,500 | $9,750 | $16,677 | |
| SelectHealth | Select Health Value Gold $0 Medical Deductible | Gold | EPO | $584 | $0 | $10,200 | $17,212 | |
| Kaiser Permanente | KP CO Gold 0/25 RX Copay | Gold | HMO | $593 | $0 | $7,500 | $14,617 | |
| Rocky Mountain Health Plans (UnitedHealthcare) | RMHP Colorado Doctors Plan Colorado Option Gold | Gold | HMO | $594 | $2,050 | $9,600 | $16,732 | |
| Cigna Healthcare | Cigna Connect Colorado Option Silver | Silver | EPO | $597 | $4,400 | $9,800 | $16,968 | |
| SelectHealth | Select Health Value Colorado Option Silver | Silver | EPO | $598 | $4,400 | $9,800 | $16,977 | |
| Cigna Healthcare | Cigna Connect Flex Gold 2700 | Gold | EPO | $603 | $2,700 | $8,375 | $15,613 | |
| SelectHealth | Select Health Value Silver $5100 Medical Deductible Rx Copay | Silver | EPO | $603 | $5,100 | $9,600 | $16,841 | |
| Anthem Blue Cross Blue Shield (CO) | Anthem Silver Pathway 5500 $0 Select Drugs | Silver | HMO | $604 | $5,500 | $10,150 | $17,393 | |
| Cigna Healthcare | Cigna Connect Flex Silver 6000 | Silver | EPO | $604 | $6,000 | $9,700 | $16,949 | |
| Cigna Healthcare | Cigna Connect Flex Silver 3500 | Silver | EPO | $608 | $3,500 | $10,500 | $17,792 | |
| Cigna Healthcare | Cigna Connect Flex Silver 4000 | Silver | EPO | $608 | $4,000 | $8,375 | $15,675 | |
| Anthem Blue Cross Blue Shield (CO) | Anthem Silver Pathway 5000 $0 Select Drugs | Silver | HMO | $610 | $5,000 | $9,100 | $16,417 | |
| Cigna Healthcare | Cigna Connect Flex Gold 1800 | Gold | EPO | $610 | $1,800 | $8,100 | $15,421 | |
| Cigna Healthcare | Cigna Connect Flex Silver 2750 Rx Copay | Silver | EPO | $610 | $2,750 | $10,100 | $17,425 | |
| Cigna Healthcare | Cigna Connect Flex Gold 1200 Rx Copay | Gold | EPO | $613 | $1,200 | $9,375 | $16,731 | |
| Rocky Mountain Health Plans (UnitedHealthcare) | RMHP Colorado Doctors Plan Colorado Option Silver | Silver | HMO | $619 | $4,400 | $9,800 | $17,226 | |
| Anthem Blue Cross Blue Shield (CO) | Anthem Silver Pathway 6500 Rx Copay $0 Select Drugs | Silver | HMO | $622 | $6,500 | $8,800 | $16,268 | |
| Rocky Mountain Health Plans (UnitedHealthcare) | RMHP Colorado Doctors Plan Gold Value ($0 Virtual Urgent Care, No Referrals, $8 Tier 2 Rx, Rx Copay) | Gold | HMO | $626 | $1,350 | $9,500 | $17,011 | |
| Anthem Blue Cross Blue Shield (CO) | Anthem Silver Pathway 2800 $0 Select Drugs | Silver | HMO | $626 | $2,800 | $10,150 | $17,662 | |
| Anthem Blue Cross Blue Shield (CO) | Anthem Silver Pathway 3500 Rx Copay $0 Select Drugs | Silver | HMO | $638 | $3,500 | $10,150 | $17,800 | |
| Anthem Blue Cross Blue Shield (CO) | Anthem Silver Pathway 3400 for HSA | Silver | HMO | $641 | $3,400 | $7,500 | $15,189 | |
| Rocky Mountain Health Plans (UnitedHealthcare) | RMHP Colorado Doctors Plan Silver Value ($0 Virtual Urgent Care, No Referrals, $6 Tier 2 Rx) | Silver | HMO | $646 | $4,500 | $10,150 | $17,897 | |
| Rocky Mountain Health Plans (UnitedHealthcare) | RMHP Colorado Doctors Plan Silver Advantage ($0 Virtual Urgent Care, No Referrals, $5 Tier 2 Rx, Rx Copay) | Silver | HMO | $651 | $4,000 | $10,150 | $17,961 | |
| Rocky Mountain Health Plans (UnitedHealthcare) | RMHP Colorado Doctors Plan Silver Value ($0 Virtual Urgent Care, No Referrals, $5 Tier 2 Rx, Rx Copay) | Silver | HMO | $653 | $4,000 | $10,600 | $18,437 | |
| Elevate Health Plans (Denver Health) | Elevate Health Plans Colorado Option Silver | Silver | HMO | $665 | $4,400 | $9,800 | $17,777 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $390 | $473 | $555 | 26 | $7,500 | $10,075 | $15,652 |
| Silver | $509 | $606 | $665 | 26 | $4,200 | $9,800 | $16,916 |
| Gold | $502 | $566 | $626 | 17 | $2,050 | $9,375 | $15,619 |
| CatastrophicUnder 30 or hardship exemption only | $412 | $418 | $423 | 2 | $10,600 | $10,600 | $15,613 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.