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Run by Grove Benefit Advisors, a licensed broker certified by Connect for Health Colorado.

COLORADO HEALTH INSURANCE , home
A peak and fall color in the northern mountains

Routt County health insurance for 2027

49 plans from 3 insurance companies are sold through Connect for Health Colorado in Routt County: Anthem, Rocky Mountain Health Plans, Select Health. Price them for your household below, with your tax credit included.

About 8.2% of adults 18 to 64 in Routt County have no health insurance (Census, 2023). The median household income is $112,377, and 5.6% of residents live below the poverty line (Census, 2023).

Plans by metal level

18 bronze · 23 silver · 7 gold · 1 catastrophic

Colorado Option plans

9 available

Benchmark silver, age 40

$730.79/mo

Select Health Value Silver $3500 Medical Deductible

Lowest full prices by age

One adult, no tobacco, before any tax credit. Your own price depends on your household and income.

$0.00$500.00$1,000$1,500$2,0002130405064AgeAge 21: cheapest bronze $418.30/moAge 25: cheapest bronze $419.97/moAge 30: cheapest bronze $474.77/moAge 35: cheapest bronze $511.16/moAge 40: cheapest bronze $534.59/moAge 45: cheapest bronze $604.03/moAge 50: cheapest bronze $747.09/moAge 55: cheapest bronze $932.81/moAge 60: cheapest bronze $1,135.27/moAge 64: cheapest bronze $1,254.89/moBronzeAge 21: cheapest silver $562.89/moAge 25: cheapest silver $565.14/moAge 30: cheapest silver $638.88/moAge 35: cheapest silver $687.85/moAge 40: cheapest silver $719.37/moAge 45: cheapest silver $812.81/moAge 50: cheapest silver $1,005.32/moAge 55: cheapest silver $1,255.24/moAge 60: cheapest silver $1,527.68/moAge 64: cheapest silver $1,688.67/moSilverAge 21: cheapest gold $504.21/moAge 25: cheapest gold $506.23/moAge 30: cheapest gold $572.28/moAge 35: cheapest gold $616.14/moAge 40: cheapest gold $644.38/moAge 45: cheapest gold $728.08/moAge 50: cheapest gold $900.52/moAge 55: cheapest gold $1,124.39/moAge 60: cheapest gold $1,368.43/moAge 64: cheapest gold $1,512.63/moGold
Cheapest bronzeCheapest silverCheapest goldFull monthly price for one adult, no tobacco, before tax credits.
AgeCheapest bronzeCheapest silverCheapest gold
30$474.77/mo
Select Health Value Bronze $8500 Medical Deductible		$638.88/mo
Anthem Colorado Option Silver Mountain Enhanced Std		$572.28/mo
Anthem Colorado Option Gold Mountain Enhanced Std
40$534.59/mo
Select Health Value Bronze $8500 Medical Deductible		$719.37/mo
Anthem Colorado Option Silver Mountain Enhanced Std		$644.38/mo
Anthem Colorado Option Gold Mountain Enhanced Std
50$747.09/mo
Select Health Value Bronze $8500 Medical Deductible		$1,005.32/mo
Anthem Colorado Option Silver Mountain Enhanced Std		$900.52/mo
Anthem Colorado Option Gold Mountain Enhanced Std
60$1,135.27/mo
Select Health Value Bronze $8500 Medical Deductible		$1,527.68/mo
Anthem Colorado Option Silver Mountain Enhanced Std		$1,368.43/mo
Anthem Colorado Option Gold Mountain Enhanced Std

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 Routt County gets an estimated federal tax credit of $511.00 a month. The lowest-priced bronze plan then costs $0.00 a month (Select Health Value Bronze $8500 Medical Deductible). The lowest-priced silver costs $138.37 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 Routt County's typical pay. The typical worker in Routt County earns about $54,000 a year. At that income, a single 40-year-old gets an estimated tax credit of $270.00 a month. The lowest-priced bronze plan then costs $194.59 a month, and the lowest-priced silver $379.37. Pay: Census American Community Survey 2020-2024, median earnings of people who work (±$3,896).

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 (Anthem Colorado Option Silver Mountain Enhanced Std) costs $122.58 a month less than the cheapest exchange silver at age 40.

Hospitals and clinics in Routt County

1 hospital, 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.

  • UCHealth Yampa Valley Medical CenterSteamboat Springs · Acute Care Hospital · emergency care

Community health centers

Federally funded clinics that see patients with or without insurance, with fees based on income.

  • Northwest Colorado Health Administrative OfficesSteamboat Springs · Northwest Colorado Visiting Nurse Association
  • Northwest Colorado Health Community Health Center - Routt CountySteamboat Springs · Northwest Colorado Visiting Nurse Association

Other help in Routt 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 Routt 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

Open enrollment runs November 1, 2026 to January 15, 2027. Enroll by December 15 for January 1, or by January 15 for February 1. Outside those dates you need a qualifying life event.

Step 1 of 3

Cities in Routt County: Steamboat Springs

Questions before you choose?

All guides

Compare with other Colorado counties

Cheapest silver plan by Colorado county, age 40, before tax creditsEach county links to its page. Lighter counties have cheaper silver plans.AdamsAlamosaArapahoeArchuletaBacaBentBoulderChaffeeCheyenneClear CreekConejosCostillaCrowleyCusterDeltaDoloresDouglasEagleEl PasoElbertFremontGarfieldGrandGunnisonHinsdaleHuerfanoJacksonJeffersonKiowaKit CarsonLa PlataLakeLarimerLas AnimasLincolnLoganMesaMineralMoffatMontezumaMontroseMorganOteroOurayParkPhillipsPitkinProwersPuebloRio BlancoRio GrandeRouttSaguacheSan JuanSan MiguelSedgwickSummitTellerWashingtonWeldYuma
  • $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.

Routt County is in Colorado rating area 9. 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 Routt County: 80428, 80463, 80467, 80469, 80479, 80483, 80487, 81639, 81653.