Colorado
Cheapest ACA plans in Adams County, Colorado for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Adams County, Colorado has 6 on-exchange carriers offering 92 plans for 2026. The cheapest Bronze plan a 40-year-old can enroll in is SelectHealth Select Health Value Bronze $8500 Medical Deductible at $402 per month before subsidies.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Adams County, on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Adams County |
|---|---|---|
| Catastrophic | $388 | 4 |
| Expanded Bronze | $402 | 32 |
| Bronze | $462 | 1 |
| Gold | $480 | 20 |
| Silver | $500 | 35 |
The actual cheapest Bronze plan in Adams County
SelectHealth Select Health Value Bronze $8500 Medical Deductible
$402/moFor a family of four (two 40-year-olds and two kids under 14): SelectHealth Select Health Value Bronze $8500 Medical Deductible at $1,284/month before subsidies.
Carriers selling 2026 plans in Adams County
6 carriers sell 2026 plans on Connect for Health Colorado. 146 plans total in this county.
| Carrier | On-exchange plans |
|---|---|
| Kaiser Foundation Health Plan of Colorado | 29 |
| HMO Colorado, Inc. | 25 |
| Rocky Mountain Health Maintenance Organization, Incorporated | 12 |
| Cigna | 11 |
| SelectHealth | 11 |
| Denver Health Medical Plan, Inc. | 4 |
Frequently asked questions
What is the cheapest ACA plan in Adams County, Colorado for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is SelectHealth Select Health Value Bronze $8500 Medical Deductible at $402 per month before subsidies. Plans sell through Connect for Health Colorado. Data refreshed 2026-04-19T08:08:55.462Z.
Does Colorado offer its own premium help on top of federal subsidies?
Yes. Starting with PY2026, Colorado Premium Assistance (CPA) layers on top of the federal premium tax credit for households under 200% of the Federal Poverty Level who qualify for APTC. CPA pays a flat $50 per month for the first household member and $18 per month for each additional member, is applied automatically at Connect for Health Colorado, and does not reconcile at tax time.
How much extra can I be charged in Colorado for using tobacco?
Colorado caps the tobacco surcharge at 15% (a 1.15-to-1 rate ratio) under C.R.S. § 10-16-107, compared with the federal ceiling of 50%. Carriers that apply any tobacco surcharge must also offer a wellness or prevention program, and enrollees who participate receive the non-tobacco rate.
Can I buy a Catastrophic plan in Colorado if I am over 30?
Only with an approved affordability or hardship exemption from the Marketplace. Colorado follows the federal ACA default: Catastrophic coverage is available without an exemption only to applicants under age 30 at the start of the plan year. APTC cannot be applied to Catastrophic plans.
More Colorado pricing
Sources
- Connect for Health Colorado for SBE enrollment, OEP dates, and Colorado Premium Assistance application.
- Colorado Division of Insurance: Health Insurance Affordability Enterprise for HIAE authority, CPA program design, and funding source.
- Colorado DOI: Reinsurance Program for 1332 waiver, attachment-point design, and 2026 Payment Parameters.
- Colorado Revised Statutes § 10-16-107 for the 1.15-to-1 tobacco-rating cap on individual health benefit plans.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Methodology and full data attribution at about.