Kaiser Permanente offers the best health insurance plans in Colorado, balancing affordability, customer service and coverage. If unavailable in your area, Anthem Blue Cross and Blue Shield, SelectHealth, Cigna and Rocky Mountain Health Plans also provide strong coverage options.
Best Health Insurance in Colorado (2025 Picks)
Updated: November 3, 2025
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Key Takeaways
Overall, Kaiser Permanente offers the best and most balanced health insurance coverage in Colorado.
Cigna provides the best cheap health insurance in Colorado, with Silver-tier plans averaging $470 monthly, where available.
To find the best health insurance in Colorado, educate yourself on companies available to you, decide coverage needs beforehand and compare plan quotes from several companies.
Best Health Insurance Companies in Colorado
| Kaiser Permanente | $492 | $5,899 | $8,797 |
| Anthem Blue Cross and Blue Shield | $624 | $7,493 | $8,440 |
| Cigna | $470 | $5,640 | $9,425 |
| Rocky Mountain Health Plans | $525 | $6,298 | $9,438 |
| Select Health | $499 | $5,989 | $9,450 |
*Our picks are the best companies for 40-year-olds looking for Silver-tier plans.
Best Colorado Health Insurance Reviews
So that you can learn about our recommendations, we've broken down our top picks overall, for affordability and customer service reputation.
Kaiser Pemanente: Best Overall
pros
Complex prior authorization requirements
Comprehensive digital health tools
Best overall for most in Colorado
cons
Limited provider choice
Fewer locations in Colorado
COMPANY HIGHLIGHTS
Kaiser Permanente was our pick for the best overall health insurance in Colorado due to its strong coverage plans and competitive coverage. Kaiser Permanente Colorado's Medicare health plan earned 4 out of 5 stars from CMS for 2025. Its Medicare plan is one of only two nationwide to earn a 5-star NCQA rating, with 332 physicians named to 5280 Magazine's 2024 Top Doctors list, more than any other health care organization in Colorado.
Cigna: Best Cheap Overall
pros
Most affordable Silver plan in Colorado at $470 monthly for EPO coverage
Lower maximum out-of-pocket costs at $9,425 protect your finances better than competitors
Free virtual urgent care through MDLive saves trips to the doctor for minor illnesses
cons
Connect network doesn't include UCHealth in metro Denver (only available in select counties)
A 19% denial rate means you might face claim challenges
COMPANY HIGHLIGHTS
Cigna wins as the best cheap health insurance company in Colorado because it combines rock-bottom Silver plan premiums with meaningful financial protection. At $470 monthly, you're looking at real savings that free up cash for rent, groceries or retirement. J.D. Power ranked Cigna first among commercial health insurers for digital experience in 2025 and the myCigna app lives up to that rating. AM Best gives Cigna an A (Excellent) rating for financial strength, which matters when you're counting on them to cover a $50,000 hospital bill.
Best Health Insurance in Colorado by Category
While we've given our top picks overall, the best company for you may differ depending on your profile and preferred plan type. So below, we've broken down the top picks for common categories to make more personalized recommendations.
| Young Adults | Kaiser Permanente |
| Seniors | Kaiser Permanente |
| HMO | Kaiser Permanente |
| EPO | SelectHealth |
How to Find the Best Health Insurance for You in Colorado
The following recommendations will ensure that buying health insurance that is ideal for you is easy.
Decide on your coverage needs before buying
When looking for the best health insurance, weigh the monthly cost against the maximum out-of-pocket limits for plans. If you go to the doctor often, a plan with a higher monthly fee but lower MOOP can save you money. But you may not need as much coverage if you're not high risk. Also, compare health insurance plan types to ensure how flexible a provider will be in covering you.
Compare company offerings and reputations
Before comparing rates, understand what plans the top companies in your area offer and their terms. Also, look into company reputations through forums and industry sources like J.D. Power to ensure a smooth buying and coverage claims process.
Shop around
Comparing multiple plans from many providers ensures you get the best possible deal. We found that rates can start at $470 monthly in Colorado, depending on your profile and chosen plan type. Open Enrollment lasts from November 1 to January 15, but you may also qualify for Special Enrollment if you've lost your job, divorced or had a child.
Take advantage of federal programs and subsidies
Those with low income, have a qualifying disability or illness, or are 65 years old or older can receive subsidies or be eligible for Medicare plans. In some cases, depending on your details, you can have up to 100% of your premiums covered if you're low-income or have significant savings if you're eligible for Medicare. MoneyGeek also provides information for finding the top Colorado Medicare Supplement and best Medicare Advantage plans in Colorado if you want to learn more.
Best Health Insurance in Colorado: Bottom Line
Overall, our top three picks for Colorado health insurance are Kaiser Permanente, Cigna and SelectHealth. However, the best possible health insurance plan for you will vary widely depending on your personal details and coverage needs. Compare as many plans and companies as possible to get the right fit.
Best Colorado Health Insurance: FAQ
Below we've answered frequently asked questions about the best health insurance in Colorado:
What is the best health insurance provider in Colorado for 2025?
Kaiser Permanente provides the best health insurance in Colorado for 2025. However, your best choice will depend on your unique circumstances and needs and if coverage is available in your county.
What should you look for when shopping for the best health insurance plan in Colorado?
When finding the best health insurance plan, compare premium costs and coverage breadth to ensure the plan meets your specific medical needs without gaps in essential services. The ideal plan balances affordability with comprehensive coverage that aligns with your health requirements and anticipated medical expenses.
How We Chose the Best Health Insurance in Colorado
To rank health care insurance providers in Colorado, MoneyGeek researched premiums, out-of-pocket costs, claims denial rates and plan types for each available company and compared them across different categories. We then weighted each category to calculate an overall MoneyGeek score and derive rankings.
We weighted most categories as follows:
- Maximum out-of-pocket (MOOP) score (30%): The MOOP is the most you'll pay per year for health care costs outside of your monthly premiums. The provider with the lowest average MOOP scores the highest.
- Claims denial score (30%): How often a provider denies claims. The provider with the lowest claims denial rate scores the highest.
- Rate score (20%): How much the provider's monthly plans cost. The cheapest provider, on average, gets the highest score.
- Plan type score (20%): Providers score better if they have plan types with broader coverage. A provider with many PPO plans will get the highest score.
In some cases, we adjusted the weightings as follows:
- For the categories "Best Cheap Health Insurance in Colorado" and "Best Health Insurance in Colorado for Low Income," we increased the rate score weighting to 50%. We decreased every other category by 10%.
- For the category "Best Health Insurance by Plan Type in Colorado," we decreased the plan type score weighting to 0% to reflect that we are comparing providers' plans like-for-like. We increased MOOP and claims denial score weightings by 10% each.
Sample Consumer:
MoneyGeek collected data on all available plans in Colorado for consumers aged 18, 26, 40, 50 and 60. Unless otherwise noted, all monthly premiums are for a 40-year-old buyer, such as the category for young adults. Plans analyzed in each section include the relevant cited metal tiers, which include Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.