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. The rest of this page covers your coverage options in Florence, the best-reviewed local agencies and the deadlines that matter.
Top-rated health insurance agencies near Florence
Licensed agents can compare plans available in Fremont County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Florence, 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.
How to get ready
- Check that the agent's license is active with the state regulator.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Ask each agent which carriers they can quote in your county.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
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.
Where can I buy health insurance in Florence?
Through the Connect for Health Colorado, directly from an insurer, or with a licensed agent or broker who can do either.
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
- Cañon City, CO 7 miles
- Pueblo West, CO 21 miles
- Pueblo, CO 28 miles
- Fort Carson, CO 30 miles
- Fountain, CO 31 miles
- Stratmoor, CO 32 miles
- Security-Widefield, CO 33 miles
- Manitou Springs, CO 34 miles
- Colorado Springs, CO 38 miles
- Cimarron Hills, CO 40 miles