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 Adams County, which local agencies have the best reviews, and how to get a quote.
Top-rated health insurance agencies near Derby
Licensed agents can compare plans available in Adams County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Derby, 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.
Before you call an agent
- Ask each agent which carriers they can quote in your county.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Check that the agent's license is active with the state regulator.
- Have a realistic estimate of next year's household income; subsidies are based on it.
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
Where can I buy health insurance in Derby?
Through the Connect for Health Colorado, directly from an insurer, or with a licensed agent or broker who can do either.
How much is health insurance in Derby?
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
- Welby, CO 3 miles
- Commerce City, CO 4 miles
- Sherrelwood, CO 4 miles
- Twin Lakes, CO 5 miles
- Federal Heights, CO 5 miles
- Thornton, CO 6 miles
- Denver, CO 6 miles
- Northglenn, CO 6 miles
- Berkley, CO 6 miles
- Shaw Heights, CO 7 miles