Updated: December 30, 2025
Advertising & Editorial Disclosure
Kaiser Permanente is Colorado's most affordable health insurance provider, with an average monthly premium of $599.
Kaiser Permanente offers the cheapest rates for teens, young adults, adults, seniors and HMO plans. Select Health has the lowest EPO and Bronze plan rates, and Anthem provides the most affordable Gold coverage.
Compare at least three insurers during Open Enrollment to find affordable coverage. Spending 30 minutes comparing plans can save you hundreds annually.
Kaiser Permanente provides the cheapest health insurance in Colorado at an average premium of $599 monthly. Denver Health Medical Plan and Select Health also charge under $650 per month. Anthem, Cigna Healthcare and UnitedHealthcare round out the affordable options.
Shopping during open enrollment gives you access to all six carriers, while special enrollment periods limit your choices based on qualifying life events like job loss, marriage or having a baby.
| Kaiser Permanente | $599 | $50 | $7,188 | $600 |
| Denver Health Medical Plan Inc. | $626 | $23 | $7,512 | $276 |
| Select Health | $649 | $0 | $7,788 | $0 |
| Anthem | $654 | $5 | $7,848 | $60 |
| Cigna Healthcare | $662 | $13 | $7,944 | $156 |
| UnitedHealthcare | $734 | $85 | $8,808 | $1,020 |
*We calculate average monthly rates by taking the rounded average of each provider’s monthly plan rates in Colorado. We calculate average monthly savings by subtracting the statewide average monthly rate from each provider’s average to show how much cheaper they are than the overall state average. Your actual rates will vary based on age, location and chosen plan.
Avg. Monthly Rate
Avg. MOOP
Avg. Deductible
Age, plan type and metal tier change your monthly premium in Colorado. Stack premiums against your deductible (what you pay first) and MOOP limit (your yearly spending cap) to find the best health insurance in the state.
| Teens | Kaiser Permanente | $387 | $4,647 | $9,933 | $3,813 |
| Young Adults | Kaiser Permanente | $434 | $5,212 | $9,933 | $3,813 |
| Adults | Kaiser Permanente | $542 | $6,504 | $9,933 | $3,813 |
| HMO | Kaiser Permanente | $542 | $6,504 | $9,933 | $3,813 |
| With Health Savings Account Eligibility | Kaiser Permanente | $549 | $6,587 | $7,500 | $3,800 |
| EPO | Select Health | $589 | $7,071 | $9,888 | $3,600 |
| Seniors | Kaiser Permanente | $1,151 | $13,813 | $9,933 | $3,813 |
* Rates shown are averages for silver-tier plans, using the following ages for each group: teens age 18, young adults age 26, adults age 40, seniors age 60. For plan type costs, we used average rates for 40-year-olds.
Your metal tier sets both your monthly bill and costs per doctor visit. Bronze saves you money each month but charges more when you need care. Platinum costs more monthly but less per appointment. Pick Bronze if you rarely visit doctors and want lower premiums. Go with Gold or Platinum for regular appointments since you'll pay less each visit.
Select Health charges $426 monthly for Colorado's cheapest Bronze plans, Kaiser Permanente runs $542 for the lowest Silver rates, and Anthem has Gold plans at $511, though Colorado doesn't offer Platinum coverage across any insurer or metal tier combination available in the state marketplace.
| Bronze | Select Health | $426 | $5,114 | $10,400 | $7,633 |
| Gold | Anthem | $511 | $6,131 | $9,600 | $2,050 |
| Silver | Kaiser Permanente | $542 | $6,504 | $9,933 | $3,813 |
*Rates shown are the provider's average at the given metal tier for 40-year-olds.
Check the following table to discover the most affordable health insurance options in Colorado that match your needs:
| Select Health | Select Health Monument Value Silver $3400 Medical Deductible | $387 | EPO | Silver | $10,000 | $3,400 | 18 | No |
| Select Health | Select Health Value Silver $3400 Medical Deductible | $397 | EPO | Silver | $10,000 | $3,400 | 18 | No |
| Select Health | Select Health Monument Value Silver $1500 Medical Deductible | $402 | EPO | Silver | $10,150 | $1,500 | 18 | No |
| Select Health | Select Health Value Silver $1500 Medical Deductible | $412 | EPO | Silver | $10,150 | $1,500 | 18 | No |
| Cigna Healthcare | Cigna Connect Colorado Option Silver | $422 | EPO | Silver | $9,800 | $4,400 | 18 | No |
| Cigna Healthcare | Cigna Connect Flex Silver 6000 | $427 | EPO | Silver | $9,700 | $6,000 | 18 | No |
| Select Health | Select Health Monument Value Colorado Option Silver | $428 | EPO | Silver | $9,800 | $4,400 | 18 | No |
| Cigna Healthcare | Cigna Connect Flex Silver 3500 | $430 | EPO | Silver | $10,500 | $3,500 | 18 | No |
| Cigna Healthcare | Cigna Connect Flex Silver 4000 | $430 | EPO | Silver | $8,375 | $4,000 | 18 | No |
| Cigna Healthcare | Cigna Connect Flex Silver 2750 Rx Copay | $432 | EPO | Silver | $10,100 | $2,750 | 18 | No |
Shopping for health insurance can feel a lot with countless options featuring different premiums, coverage levels and deductibles. Use these steps to lower your monthly bill while keeping the protection that matters most.
Your health circumstances and income determine which type of plan and metal tier work best. Calculate your monthly premium budget, assess your current health status and evaluate your injury or illness risk based on age, location and lifestyle.
Your household income and size determine eligibility for 2026 health insurance subsidies. Subsidies apply to incomes between 100% and 400% of the Federal Poverty Level (FPL). Lower incomes receive larger subsidies, with credit amounts decreasing as income rises.
Medicare, Medicaid, Medicare Advantage plans and Medicare Supplement plans cost less than marketplace coverage. Compare eligibility requirements and benefits for each program.
Check which tier your medications fall under for each insurer. Some plans place common prescriptions on lower tiers with smaller copays, potentially saving you hundreds annually.
Open Enrollment runs from November 1 to January 15. You may qualify for Special Enrollment if you've lost your job, divorced or had a child. Compare coverage types, customer ratings, costs and whether your doctors accept the plan.
Colorado has unique insurance regulations that may affect your coverage options. Research state-mandated benefits, network requirements and any additional protections available to residents. Understanding local rules helps you make informed decisions about your health insurance purchase.
Kaiser Permanente, Denver Health Medical Plan and Select Health charge Colorado's lowest premiums. Call each company for Bronze, Silver and Gold quotes since rates change based on your age and pick the tier where monthly premiums stay below your annual healthcare spending.
We answer common questions about affordable health insurance in Colorado:
Kaiser Permanente offers the cheapest health insurance, with Silver plans starting at $542 monthly for 40-year-olds.
Cheap plans charge higher deductibles and out-of-pocket costs when you need medical care. You'll pay less monthly but more when using services. Higher-premium plans cost more upfront but reduce what you pay for doctor visits, prescriptions and procedures.
Subsidies reduce monthly premiums through Connect for Health Colorado, Colorado's health insurance marketplace. Enter your household income during enrollment to check eligibility.
Colorado offers enrollment during Open Enrollment from November 1 to January 15 annually. You can also enroll year-round if you experience a qualifying life event like job loss, marriage or having a baby, which triggers Special Enrollment periods.
Colorado offers hundreds of health insurance plans, and premiums vary by age. We analyzed rate data from Connect for Health Colorado, the state's health insurance marketplace, to identify which insurers offer the lowest premiums for different demographics.
Our Analysis Approach
We collected plan data for consumers aged 18, 26, 40, 50 and 60 to cover the full age spectrum from teens through pre-Medicare seniors. We ranked providers by their average monthly premiums for 40-year-olds as our baseline "cheapest overall" category, since this age reflects Colorado's median health insurance consumer and provides the most relevant comparison for most shoppers.
For age-specific rankings (teens, young adults, adults, seniors), we used the corresponding ages listed above. This approach reveals which insurers offer the best rates for your specific age group, not just generic "cheapest" rankings that may not apply to you.
Important Cost Tradeoff
Bronze and Silver plans (the lowest monthly premiums) charge $3,400 to $7,633 deductibles and $9,700 to $10,400 maximum out-of-pocket costs. You'll save monthly but pay more when you need care. Compare premiums and potential out-of-pocket expenses based on your expected medical usage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.
