How Much Does Health Insurance Cost in Colorado? (2026)

Average Health Insurance Premiums in Colorado (2026)

The following estimates show typical unsubsidized monthly premiums for a 40-year-old single adult in Colorado in 2026. Actual costs vary significantly by ZIP code, age, and plan choice:

• Bronze HDHP: approximately $76“$170/month
• Bronze (standard): approximately $157“$297/month
• Silver: approximately $375“$565/month (lower end)
• Gold: approximately $375“$565/month (upper end)

Premiums increase with age and household size. Younger adults (20s, early 30s) pay less; adults in their 50s and early 60s pay significantly more. Tobacco users pay a surcharge in most states.

Colorado runs Connect for Health Colorado, its own state marketplace. The Denver metro has strong carrier competition. Mountain resort communities often have limited carrier options and higher premiums.

How ACA Subsidies Reduce Your Premium in Colorado

If your household income falls between 100% and 400% of the federal poverty level (roughly $15,650–$62,600 for a single adult in 2026), you qualify for ACA premium tax credits that directly reduce your monthly premium. The subsidy is calculated as the difference between your benchmark Silver plan premium and a capped percentage of your income.

At income levels below 250% FPL, you also qualify for cost-sharing reductions (CSR) on Silver plans that reduce deductibles, copays, and out-of-pocket maximums significantly.

Carriers in Colorado (2026)

Marketplace carriers in Colorado include: BCBS of Colorado, Denver Health Medical Plan, Kaiser Permanente, Cigna, Oscar Health. The dominant carrier in most Colorado counties is Blue Cross Blue Shield of Colorado. Plan availability varies by county — check healthcare.gov for exact options in your ZIP code.

Health First Colorado: Free or Low-Cost Coverage in Colorado

Colorado's Health First Colorado Medicaid covers adults earning up to 138% FPL. Apply at connectforhealthco.com.