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. Keep reading for what's sold in Denver County, which local agencies have the best reviews, and how to get a quote.
Top-rated health insurance agencies near Denver
Licensed agents can compare plans available in Denver County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Denver, 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 Denver
- UCHealth, a nonprofit system whose flagship University of Colorado Hospital on the CU Anschutz Medical Campus is the region's only adult academic medical center, is a network worth checking before you choose a Denver-area plan. Source
- Public health in the City and County of Denver is handled by the Denver Department of Public Health & Environment, a city agency. 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
- 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.
- Ask each agent which carriers they can quote in your county.
- Check that the agent's license is active with the state regulator.
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.
How much is health insurance in Denver?
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. A licensed agent can quote your exact price.
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.
Health insurance in nearby cities
- Glendale, CO 5 miles
- Derby, CO 6 miles
- Welby, CO 7 miles
- Commerce City, CO 7 miles
- Twin Lakes, CO 8 miles
- Sherrelwood, CO 9 miles
- Berkley, CO 9 miles
- Aurora, CO 9 miles
- Cherry Hills Village, CO 9 miles
- Edgewater, CO 10 miles