Colorado
Cheapest ACA plans in Denver, Colorado for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Denver is in Denver County, Colorado. 6 carriers sell 2026 ACA plans on Connect for Health Colorado for residents of Denver County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $402/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Denver County, including Denver.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Denver (Denver 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 Denver County |
|---|---|---|
| Catastrophic | $388 | 4 |
| Expanded Bronze | $402 | 32 |
| Bronze | $462 | 1 |
| Gold | $480 | 20 |
| Silver | $500 | 35 |
The actual cheapest Bronze plan in Denver
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 Denver
6 carriers sell 2026 plans on Connect for Health Colorado for Denver County residents. 146 plans total in Denver 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 |
What you'll actually pay in Denver
Estimated monthly net premium for the cheapest Bronze plan above ($402/mo before subsidy) on Connect for Health Colorado, after federal APTC and Colorado Premium Assistance. APTC is computed against the Denver Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | State subsidy | Cheapest Bronze net |
|---|---|---|---|---|
| $25,000 | 160% | $413/mo | $80/mo | $0/mo |
| $40,000 | 256% | $223/mo | $80/mo | $99/mo |
| $60,000 | 383% | $12/mo | $80/mo | $310/mo |
| $100,000 | 639% | — | — | $402/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | State subsidy | Cheapest Bronze net |
|---|---|---|---|---|
| $40,000 | 124% | — | $167/mo | Medicaid likely |
| $80,000 | 249% | $1,069/mo | $167/mo | $48/mo |
| $130,000 | 404% | — | — | $1,284/mo |
| $200,000 | 622% | — | — | $1,284/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Denver, 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. Denver is in Denver County, Colorado; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Denver's 2026 ACA pricing compare to other Colorado cities?
Cheapest Bronze for a 40-year-old in Denver is $402 per month before subsidies. For comparison: Colorado Springs at $402/mo; Aurora at $402/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
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
- Statewide Colorado pricing and metal tiers
- Colorado Springs pricingcheapest Bronze $402/mo
- Aurora pricingcheapest Bronze $402/mo
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. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.