# Larimer County, Colorado: 2027 health insurance plans and prices

As filed for 2027, Larimer County has 58 Connect for Health Colorado plans from 5 carriers (Anthem, Denver Health (Elevate), Kaiser Permanente, Rocky Mountain Health Plans, Select Health). The lowest-priced silver plan for a 40-year-old is $558.83 a month before tax credits (KP Colorado Option Silver).

Source page: https://coloradohealthinsurance.com/individual-family/larimer-county
Published by coloradohealthinsurance.com, an independent site by Grove Benefit Advisors LLC (licensed Colorado agency 958957, NPN 22306241). Not Connect for Health Colorado.

## Plans

- bronze: 21
- silver: 22
- gold: 13
- catastrophic: 2
- Colorado Option plans: 15
- Benchmark silver at age 40: $619.79/month (KP CO Silver 3800/25%/HSA)

## Lowest full monthly price by age (one adult, no tobacco, before tax credits)

| Age | Bronze | Silver | Gold |
|---|---|---|---|
| 30 | $405.20 (KP Colorado Option Bronze) | $496.30 (KP Colorado Option Silver) | $481.16 (KP Colorado Option Gold) |
| 40 | $456.25 (KP Colorado Option Bronze) | $558.83 (KP Colorado Option Silver) | $541.78 (KP Colorado Option Gold) |
| 50 | $637.60 (KP Colorado Option Bronze) | $780.96 (KP Colorado Option Silver) | $757.13 (KP Colorado Option Gold) |
| 60 | $968.90 (KP Colorado Option Bronze) | $1,186.75 (KP Colorado Option Silver) | $1,150.54 (KP Colorado Option Gold) |

## Example with a tax credit

A single 40-year-old earning $35,000 (219% of the poverty line) gets an estimated federal tax credit of $400.00 a month. The cheapest bronze then costs $0.00 a month. The cheapest silver costs $88.83 a month.

Households with no tax credit can buy an off-exchange silver for $63.65 a month less than the cheapest exchange silver at age 40 (KP Colorado Option Silver X).

## Local care and help

- Adults 18-64 without insurance: 7.5% (Census SAHIE 2023)
- Median household income: $88,519; poverty rate 10.2% (Census SAIPE 2023)
- Hospitals: Banner Fort Collins Medical Center (Fort Collins, emergency care); Banner North Co Medical Center - Loveland Campus (Loveland, emergency care); Estes Park Medical Center (Estes Park, emergency care); Medical Center of the Rockies (Loveland, emergency care); Poudre Valley Hospital (Fort Collins, emergency care)
- Community health centers: Salud Estes Park (Estes Park); Salud Fort Collins Blue Spruce (Fort Collins); North Loveland Community Health Center (Loveland); South Loveland Community Health Center (Loveland); Sunrise Summitstone Clinic (Loveland)
- ZIP codes mostly in the county: 80512, 80513, 80515, 80517, 80521, 80524, 80525, 80526, 80528, 80532, 80535, 80536, 80537, 80538, 80545, 80547, 80549, 82063

## Sources

- Plan rates and benefits: each carrier's 2027 filings approved by the Colorado Division of Insurance (SERFF).
- Tax credits: federal rules for the plan year; Colorado Premium Assistance: Regulation 4-2-78.
- Hospitals: CMS Hospital General Information. Health centers: HRSA. Rural clinics: CMS enrollment data. Census SAHIE and SAIPE.

Prices are estimates. Connect for Health Colorado sets tax credits and eligibility when you apply.