Before subsidies, the average benchmark silver plan for a 40-year-old in Colorado costs $615 a month for 2027 (the national average is $704). Premium tax credits bring that down for many households, depending on income and family size. Below you'll find how coverage works in Colorado Springs, the local agencies with the strongest reviews, and where to get free help.
Top-rated health insurance agencies near Colorado Springs
Licensed agents can compare plans available in El Paso County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Colorado Springs, CO
| Where to enroll | Connect for Health Colorado |
|---|---|
| Average benchmark silver, age 40 (2027) | $615/mo before subsidies |
| Marketplace insurers in Colorado (2027) | 6 |
| Medicaid expansion | Yes |
| Short-term plans | Not sold |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
Local health care in Colorado Springs
- UCHealth operates Colorado Springs' city-owned Memorial Hospital under a long-term lease, so UCHealth's network is one worth checking before you choose a Colorado Springs plan. Source
- El Paso County Public Health, headquartered in Colorado Springs, is the county health agency covering urban, rural and mountain communities as well as the area's military installations, with services like immunizations, WIC, TB care and environmental inspections. Source
Before you choose a plan, check that the hospitals and doctors you use are in its network. An agent can look that up for each plan you compare.
A quick checklist
- Check that the agent's license is active with the state regulator.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
Free enrollment help in Colorado
Connect for Health Colorado Certified Enrollment Assisters, plus enrollment centers and enrollment events, offer free in-person help; assisters explain options but don't recommend specific plans. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
Can I get coverage outside open enrollment?
Only with a qualifying life event, unless you qualify for Health First Colorado. Some people also look at short-term or fixed-indemnity plans, which are not ACA-compliant coverage.
Which insurers sell marketplace plans in Colorado?
For 2027, marketplace plans in Colorado come from 6 insurers: Anthem (HMO Colorado), Denver Health Medical Plan, Kaiser Permanente, Rocky Mountain Health Plans (UnitedHealthcare), SelectHealth and Colorado Access. Not every insurer sells in every county.
Where can I buy health insurance in Colorado Springs?
Through the Connect for Health Colorado, directly from an insurer, or with a licensed agent or broker who can do either.
Health insurance in nearby cities
- Cimarron Hills, CO 3 miles
- Stratmoor, CO 7 miles
- Manitou Springs, CO 8 miles
- Security-Widefield, CO 9 miles
- Fort Carson, CO 9 miles
- Air Force Academy, CO 10 miles
- Gleneagle, CO 13 miles
- Fountain, CO 13 miles
- Black Forest, CO 14 miles
- Monument, CO 15 miles