Anthem Blue Cross and Blue Shield provides the cheapest health insurance in Colorado, with an average monthly premium of $316. While availability may vary, consider Cigna, Denver Health Medical Plan and Kaiser Permanente for other affordable options.
Most Affordable Health Insurance in Colorado
Updated: June 8, 2025
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Key Takeaways
Anthem Blue Cross and Blue Shield provides Colorado's most affordable health insurance, with an average monthly savings of $297 compared to the state average.
Anthem Blue Cross and Blue Shield offers the best full coverage Gold plans, with rates starting at $419 per month.
To find the cheapest health insurance for you, decide on a coverage level within your budget, check subsidy eligibility and compare plans from several companies.
Most Affordable Health Insurance Companies in Colorado
| Anthem Blue Cross and Blue Shield | $316 | $297 |
| Cigna | $326 | $287 |
| Kaiser Permanente | $366 | $247 |
| Denver Health Medical Plan | $575 | $39 |
*These plans reflect rates for 40-year-olds who are not considered low-income.
Cheapest Colorado Health Insurance Plans by Profile
While we've summarized the cheapest companies for most in Colorado, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below are the cheapest companies by category for most in the area:
- Cheapest For Young Adults: Anthem Blue Cross and Blue Shield ($337 monthly)
- Cheapest For Seniors: Anthem Blue Cross and Blue Shield ($890 monthly)
- Cheapest Expanded Bronze Plan: Anthem Blue Cross and Blue Shield ($339 monthly)
- Cheapest Silver Plan: Anthem Blue Cross and Blue Shield ($421 monthly)
- Cheapest Gold Plan: Anthem Blue Cross and Blue Shield ($419 monthly)
While these are a good measure of the most affordable plans, they only represent the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors), and your cheapest company and plan may differ for your profile. Below, we've created a filterable table that you can modify by plan tier and age to find your lowest rate match.
Data filtered by:Results filtered by:
Select
Plan Level:Silver
Select
Age:40
| Anthem Blue Cross and Blue Shield | Anthem Silver Pathway Essentials 5500 $0 Select Drugs | $421 | $87 | $9,200 |
Cheapest Health Insurance Plans by County in Colorado
While Anthem Blue Cross and Blue Shield is the cheapest provider overall, it also ranks as the most affordable and widely available for silver plans in most counties. Below, you can review which company and plan are most affordable in your area.
| Adams | Denver Health Medical Plan | $417 | Elevate Health Plans Colorado Option Silver |
| Alamosa | Anthem Blue Cross and Blue Shield | $494 | Anthem Colorado Option Silver Pathway Std |
| Arapahoe | Denver Health Medical Plan | $417 | Elevate Health Plans Colorado Option Silver |
| Archuleta | Denver Health Medical Plan | $513 | Elevate Health Plans Peak Colorado Option Silver |
| Baca | Anthem Blue Cross and Blue Shield | $494 | Anthem Colorado Option Silver Pathway Std |
| Bent | Anthem Blue Cross and Blue Shield | $494 | Anthem Colorado Option Silver Pathway Std |
| Boulder | Kaiser Permanente | $418 | KP Select CO Silver 5000/25 |
| Broomfield | Denver Health Medical Plan | $417 | Elevate Health Plans Colorado Option Silver |
| Chaffee | Anthem Blue Cross and Blue Shield | $494 | Anthem Colorado Option Silver Pathway Std |
| Cheyenne | Anthem Blue Cross and Blue Shield | $494 | Anthem Colorado Option Silver Pathway Std |
| Clear Creek | Denver Health Medical Plan | $417 | Elevate Health Plans Colorado Option Silver |
| Conejos | Anthem Blue Cross and Blue Shield | $494 | Anthem Colorado Option Silver Pathway Std |
| Costilla | Anthem Blue Cross and Blue Shield | $494 | Anthem Colorado Option Silver Pathway Std |
| Crowley | Anthem Blue Cross and Blue Shield | $494 | Anthem Colorado Option Silver Pathway Std |
| Custer | Anthem Blue Cross and Blue Shield | $494 | Anthem Colorado Option Silver Pathway Std |
| Delta | Denver Health Medical Plan | $513 | Elevate Health Plans Peak Colorado Option Silver |
| Denver | Denver Health Medical Plan | $417 | Elevate Health Plans Colorado Option Silver |
| Dolores | Denver Health Medical Plan | $513 | Elevate Health Plans Peak Colorado Option Silver |
| Douglas | Denver Health Medical Plan | $417 | Elevate Health Plans Colorado Option Silver |
| Eagle | Denver Health Medical Plan | $513 | Elevate Health Plans Peak Colorado Option Silver |
| El Paso | Kaiser Permanente | $418 | KP Select CO Silver 5000/25 |
| Elbert | Denver Health Medical Plan | $417 | Elevate Health Plans Colorado Option Silver |
| Fremont | Anthem Blue Cross and Blue Shield | $494 | Anthem Colorado Option Silver Pathway Std |
| Garfield | Denver Health Medical Plan | $513 | Elevate Health Plans Peak Colorado Option Silver |
| Gilpin | Denver Health Medical Plan | $417 | Elevate Health Plans Colorado Option Silver |
| Grand | Denver Health Medical Plan | $513 | Elevate Health Plans Peak Colorado Option Silver |
| Gunnison | Denver Health Medical Plan | $513 | Elevate Health Plans Peak Colorado Option Silver |
| Hinsdale | Denver Health Medical Plan | $513 | Elevate Health Plans Peak Colorado Option Silver |
| Huerfano | Anthem Blue Cross and Blue Shield | $494 | Anthem Colorado Option Silver Pathway Std |
| Jackson | Denver Health Medical Plan | $513 | Elevate Health Plans Peak Colorado Option Silver |
| Jefferson | Denver Health Medical Plan | $417 | Elevate Health Plans Colorado Option Silver |
| Kiowa | Anthem Blue Cross and Blue Shield | $494 | Anthem Colorado Option Silver Pathway Std |
| Kit Carson | Anthem Blue Cross and Blue Shield | $494 | Anthem Colorado Option Silver Pathway Std |
| La Plata | Denver Health Medical Plan | $513 | Elevate Health Plans Peak Colorado Option Silver |
| Lake | Denver Health Medical Plan | $513 | Elevate Health Plans Peak Colorado Option Silver |
| Larimer | Kaiser Permanente | $425 | KP Colorado Option Silver |
| Las Animas | Anthem Blue Cross and Blue Shield | $494 | Anthem Colorado Option Silver Pathway Std |
| Lincoln | Anthem Blue Cross and Blue Shield | $494 | Anthem Colorado Option Silver Pathway Std |
| Logan | Anthem Blue Cross and Blue Shield | $494 | Anthem Colorado Option Silver Pathway Std |
| Mesa | Rocky Mountain Health Plans | $412 | RMHP Monument One Colorado Option Silver |
| Mineral | Anthem Blue Cross and Blue Shield | $494 | Anthem Colorado Option Silver Pathway Std |
| Moffat | Denver Health Medical Plan | $513 | Elevate Health Plans Peak Colorado Option Silver |
| Montezuma | Denver Health Medical Plan | $513 | Elevate Health Plans Peak Colorado Option Silver |
| Montrose | Denver Health Medical Plan | $513 | Elevate Health Plans Peak Colorado Option Silver |
| Morgan | Anthem Blue Cross and Blue Shield | $494 | Anthem Colorado Option Silver Pathway Std |
| Otero | Anthem Blue Cross and Blue Shield | $494 | Anthem Colorado Option Silver Pathway Std |
| Ouray | Denver Health Medical Plan | $513 | Elevate Health Plans Peak Colorado Option Silver |
| Park | Denver Health Medical Plan | $417 | Elevate Health Plans Colorado Option Silver |
| Phillips | Anthem Blue Cross and Blue Shield | $494 | Anthem Colorado Option Silver Pathway Std |
| Pitkin | Denver Health Medical Plan | $513 | Elevate Health Plans Peak Colorado Option Silver |
| Prowers | Anthem Blue Cross and Blue Shield | $494 | Anthem Colorado Option Silver Pathway Std |
| Pueblo | Kaiser Permanente | $425 | KP Colorado Option Silver |
| Rio Blanco | Denver Health Medical Plan | $513 | Elevate Health Plans Peak Colorado Option Silver |
| Rio Grande | Anthem Blue Cross and Blue Shield | $494 | Anthem Colorado Option Silver Pathway Std |
| Routt | Denver Health Medical Plan | $513 | Elevate Health Plans Peak Colorado Option Silver |
| Saguache | Anthem Blue Cross and Blue Shield | $494 | Anthem Colorado Option Silver Pathway Std |
| San Juan | Denver Health Medical Plan | $513 | Elevate Health Plans Peak Colorado Option Silver |
| San Miguel | Denver Health Medical Plan | $513 | Elevate Health Plans Peak Colorado Option Silver |
| Sedgwick | Anthem Blue Cross and Blue Shield | $494 | Anthem Colorado Option Silver Pathway Std |
| Summit | Denver Health Medical Plan | $513 | Elevate Health Plans Peak Colorado Option Silver |
| Teller | Kaiser Permanente | $418 | KP Select CO Silver 5000/25 |
| Washington | Anthem Blue Cross and Blue Shield | $494 | Anthem Colorado Option Silver Pathway Std |
| Weld | Kaiser Permanente | $425 | KP Colorado Option Silver |
| Yuma | Anthem Blue Cross and Blue Shield | $494 | Anthem Colorado Option Silver Pathway Std |
How to Find the Cheapest Health Insurance in Colorado
Follow these steps to find affordable health insurance in Colorado:
- 1
Determine what coverage plan you need and can afford
Depending on your personal health circumstances and income, your type of coverage plan and tier needed will differ widely. To decide how much health insurance you should get, calculate how much income you can put aside for monthly premiums, consider your health and determine your risk for injury or disease based on your location, age and your habits.
- 2
Check subsidy eligibility
Individuals with annual incomes ranging from $14,580 to $54,000 qualify for premium tax credits, reducing costs by 40% to 100%. If you earn under $36,450, you may also qualify for cost-sharing reductions, significantly lowering out-of-pocket expenses by up to 73%.
- 3
Consider federal programs if old enough
If you're eligible due to age, consider exploring Medicare Advantage plans and Medicare Supplement plans, including options within your state. These programs can offer more affordable coverage and additional flexibility, often presenting a better alternative to traditional insurance plans.
- 4
Review prescription formularies
Review prescription coverages for medications you regularly take. Some insurers place common medications on lower tiers with reduced copays compared to competitors, potentially saving you hundreds annually.
- 5
Compare plans during Open Enrollment
Open Enrollment runs from November 1 to January 15, but Special Enrollment is also an option for specific life events, such as job loss or a new family member. During this period, compare various plans, focusing on types of coverage, customer ratings, costs and provider availability to find the best fit for your needs.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
Apply for coverage at least five days before the deadline to avoid technical issues. Have your income documentation, Social Security numbers, and immigration documents ready when applying to ensure a smooth enrollment process.
Most Affordable Health Insurance in Colorado: Bottom Line
Anthem Blue Cross and Blue Shield, Denver Health Medical Plan, Kaiser Permanente and Health First are Colorado's most affordable health insurance companies. While we recommend these affordable options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.
Cheap Colorado Health Insurance: FAQ
Below are frequently asked questions about finding affordable health insurance in Colorado:
What is the cheapest health insurance in Colorado?
Anthem Blue Cross and Blue Shield offers the cheapest health insurance in Colorado, with Silver plans starting at $316 for 40-year-olds. However, consider Cigna, Denver Health Medical Plan and Kaiser Permanente for other budget-friendly choices.
What are the downsides of a cheap health insurance plan?
Affordable health insurance plans may come with higher out-of-pocket costs when using healthcare services, increasing overall expenses. Premium plans provide wider coverage, greatly reducing out-of-pocket maximums.
Do I qualify for subsidies on health insurance in Colorado?
People earning between $14,580 and $54,000 annually qualify for premium tax credits, reducing costs by 40% to 100%. If you earn under $36,450, you may also qualify for cost-sharing reductions, significantly lowering out-of-pocket expenses by up to 73%.
When can I enroll in health insurance in Colorado?
Open Enrollment runs from November 1 to January 15, but Special Enrollment is also an option for specific life events, such as job loss or a new family member.
How We Decided the Cheapest Health Insurance Companies in Colorado
MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Colorado based on consumers aged 18, 26, 40, 50 and 60.
We considered the cheapest overall to be those with the lowest monthly premium costs for 40-year-olds, as most in the state are near this age demographic, and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.