Cigna charges the least for health insurance in Colorado at $470 monthly on average. Availability varies by area, but Select Health and Kaiser Permanente also offer cheap plans.
Cheapest Health Insurance in Colorado: Affordable Plans for 2025
Updated: November 12, 2025
Advertising & Editorial Disclosure
Key Takeaways
Cigna provides Colorado's most affordable health insurance, with an average monthly cost of $470.
Kaiser Permanente and Select Health provide solid alternatives when Cigna isn't available.
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
| Cigna | $470 | $5,640 | $9,425 |
| Kaiser Permanente | $492 | $5,899 | $8,797 |
| Select Health | $499 | $5,989 | $9,450 |
| Rocky Mountain Health Plans | $525 | $6,298 | $9,438 |
| Anthem Blue Cross and Blue Shield | $624 | $7,493 | $8,440 |
*These plans reflect rates for 40-year-olds who are not considered low-income.
Cheapest Health Insurance Company: Cigna
pros
Has the lowest monthly average premiums, starting at $470
Virtual urgent care starts at $0 through MDLIVE, available 24/7
An excellent MOOP score shows it has a lower out-of-pocket maximum
cons
Customer reviews show frustration with claim denials and authorization delays
COMPANY HIGHLIGHTS
Cigna has Colorado's lowest rates at $470 monthly. Virtual urgent care and preventive visits cost $0, helping you avoid pricey ER trips. Diabetes patients pay a maximum of $25 for 30-day insulin supplies, saving 40% or more. Complete wellness activities throughout the year, and you'll rack up $325 in rewards, plus you get free access to health coaches who specialize in managing conditions like diabetes or asthma.
One heads-up about the network: Colorado Springs and Fort Collins folks can use UCHealth facilities, but Denver-area residents can't access UCHealth unless they live in El Paso, Teller or Weld counties.
Cheapest Colorado Health Insurance Plans by Profile
While Cigna offers Colorado's best overall rates, your age determines what you'll pay. Premiums nearly triple from youth to retirement: an 18-year-old pays $336 monthly, climbing to $377 by 26, then $470 at 40, and reaching $998 at 60. We've broken down the cheapest rates by age group and other categories so you can zero in on what fits your situation.
| Teens (18) | Cigna | $336 | $4,030 | $9,425 |
| Young Adults (26) | Cigna | $377 | $4,519 | $9,425 |
| Adults (40) | Cigna | $470 | $5,640 | $9,425 |
| Cheapest HMO (40) | Kaiser Permanente | $492 | $5,899 | $8,797 |
| Seniors (60) | Cigna | $998 | $11,978 | $9,425 |
Cheapest Health Insurance Plans by City in Colorado
Anthem Blue Cross Blue Shield ranks as the most affordable and widely available for silver plans in most cities. Below, you can review which company and plan are most affordable in your area.
Data filtered by:
Aurora
Adults
| Anthem Blue Cross and Blue Shield | $621 | $7,448 |
How to Find the Cheapest Health Insurance in Colorado
Follow these steps to find affordable health insurance in Colorado:
- 1Determine what coverage plan you need and can afford
Your health circumstances and income determine which type of coverage plan and tier works for you. Calculate how much you can spend monthly on premiums. Factor in your current health status and your injury or disease risk based on location, age and habits.
- 2Check subsidy eligibility
Annual incomes from $15,650 to $62,600 qualify for premium tax credits that cut costs by 40% to 100%. Earn under $39,125 and you may qualify for cost-sharing reductions that lower out-of-pocket expenses by up to 73%.
- 3Consider federal programs if old enough
Age-eligible Coloradans should check Medicare Advantage plans and Medicare Supplement plans in the state. These programs cost less and offer more flexibility than traditional insurance plans.
- 4Review prescription formularies
Check prescription coverage for medications you take regularly. Some insurers tier common medications lower with smaller copays than competitors, saving you hundreds yearly.
- 5Compare plans during Open Enrollment
Open Enrollment runs November 1 to January 15. Special Enrollment opens for specific life events like job loss or a new family member. Compare plans by coverage type, customer ratings, costs and provider networks to find what fits your needs.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
Apply at least five days before the deadline to avoid technical problems. Gather income documentation, Social Security numbers and immigration documents before you start to keep enrollment smooth.
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?
Cigna charges the least for health insurance in Colorado. Silver plans start at $470 monthly for 40-year-olds. Select Health and Kaiser Permanente also offer low-priced plans.
What are the downsides of a cheap health insurance plan?
Cheap health insurance plans charge more out-of-pocket when you use healthcare services, raising your total costs. Premium plans cover more and cap out-of-pocket expenses lower.
Do I qualify for subsidies on health insurance in Colorado?
People earning between $15,650 and $62,600 annually qualify for premium tax credits, reducing costs by 40% to 100%. If you earn under $39,125, 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.
Related Articles
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.