Larimer County health insurance for 2027
58 plans from 5 insurance companies are sold through Connect for Health Colorado in Larimer County: Anthem, Denver Health (Elevate), Kaiser Permanente, Rocky Mountain Health Plans, Select Health. Price them for your household below, with your tax credit included.
About 7.5% of adults 18 to 64 in Larimer County have no health insurance (Census, 2023). The median household income is $88,519, and 10.2% of residents live below the poverty line (Census, 2023).
Plans by metal level
21 bronze · 22 silver · 13 gold · 2 catastrophic
Colorado Option plans
15 available
Benchmark silver, age 40
$619.79/mo
KP CO Silver 3800/25%/HSA
Lowest full prices by age
One adult, no tobacco, before any tax credit. Your own price depends on your household and income.
| Age | Cheapest bronze | Cheapest silver | Cheapest gold |
|---|---|---|---|
| 30 | $405.20/mo KP Colorado Option Bronze | $496.30/mo KP Colorado Option Silver | $481.16/mo KP Colorado Option Gold |
| 40 | $456.25/mo KP Colorado Option Bronze | $558.83/mo KP Colorado Option Silver | $541.78/mo KP Colorado Option Gold |
| 50 | $637.60/mo KP Colorado Option Bronze | $780.96/mo KP Colorado Option Silver | $757.13/mo KP Colorado Option Gold |
| 60 | $968.90/mo KP Colorado Option Bronze | $1,186.75/mo KP Colorado Option Silver | $1,150.54/mo KP Colorado Option Gold |
Notice that the cheapest gold plan here costs less than the cheapest silver. In Colorado, exchange silver prices carry the cost of the extra savings lower-income households get on silver plans. If your income is too high for those savings, a gold plan can cost less and cover more.
What a 40-year-old earning $35,000 pays
At 219% of the poverty line, a single 40-year-old in Larimer County gets an estimated federal tax credit of $400.00 a month. The lowest-priced bronze plan then costs $0.00 a month (KP Colorado Option Bronze). The lowest-priced silver costs $88.83 a month, with lower deductibles at this income (enhanced silver, 73% actuarial value): $3,400 deductible. Prices after the credit also take off about $70 a month of Colorado Premium Assistance. Connect for Health Colorado decides who qualifies. These are estimates; your price is set when you apply.
At Larimer County's typical pay. The typical worker in Larimer County earns about $47,000 a year. At that income, a single 40-year-old gets an estimated tax credit of $226.00 a month. The lowest-priced bronze plan then costs $160.25 a month, and the lowest-priced silver $262.83. Pay: Census American Community Survey 2020-2024, median earnings of people who work (±$978.00).
Off-exchange plans can never take a tax credit, so they only make sense if you're sure you won't qualify. If you won't, the lowest-priced off-exchange silver here (KP Colorado Option Silver X) costs $63.65 a month less than the cheapest exchange silver at age 40.
Hospitals and clinics in Larimer County
5 hospitals, all with emergency care. Whether a hospital is in a plan's network depends on the plan: use "Find your doctors" on any plan card to check.
- Banner Fort Collins Medical CenterFort Collins · Acute Care Hospital · emergency care
- Banner North Co Medical Center - Loveland CampusLoveland · Acute Care Hospital · emergency care
- Estes Park Medical CenterEstes Park · Critical Access Hospital · emergency care
- Medical Center of the RockiesLoveland · Acute Care Hospital · emergency care
- Poudre Valley HospitalFort Collins · Acute Care Hospital · emergency care
Community health centers
Federally funded clinics that see patients with or without insurance, with fees based on income.
- Salud Estes ParkEstes Park · Salud Family Health, Inc.
- Salud Fort Collins Blue SpruceFort Collins · Salud Family Health, Inc.
- North Loveland Community Health CenterLoveland · Sunrise Community Health
- South Loveland Community Health CenterLoveland · Sunrise Community Health
- Sunrise Summitstone ClinicLoveland · Sunrise Community Health
Other help in Larimer County
- If your income is low, you may qualify for Health First Colorado (Medicaid), which costs little or nothing. Apply at Health First Colorado or through Colorado PEAK, or at the Larimer County human services office.
- Connect for Health Colorado also funds free, in-person enrollment helpers around the state.
- Or have a licensed Grove advisor check your plan and help you enroll, by phone, at no cost.
Price plans for your household
Cities in Larimer County: Estes Park, Fort Collins, Johnstown, Loveland, Windsor
Questions before you choose?
Compare with other Colorado counties
- $551.00–$559.00
- $559.00–$707.00
- $707.00–$707.00
- $707.00–$719.00
- $719.00–$835.00
Cheapest silver plan for one 40-year-old, no tobacco, before tax credits. Hover over a county or tap it for its plans, prices and local hospitals.
Larimer County is in Colorado rating area 4. Prices are from each carrier's 2027 rates approved by the Colorado Division of Insurance (6 carrier filings, SERFF), for coverage starting January 1, 2027. Tax credit estimates use the 2027 federal rules. Your price is set when you apply. Hospitals: CMS Hospital General Information. Health centers: HRSA. Rural clinics: CMS enrollment data. Uninsured rate and incomes: U.S. Census Bureau (SAHIE and SAIPE, 2023). ZIP codes mostly in Larimer County: 80512, 80513, 80515, 80517, 80521, 80524, 80525, 80526, 80528, 80532, 80535, 80536, 80537, 80538, 80545, 80547, 80549.