Get A Quote and Enroll in Elevate Denver Health Medical Plan
Elevate Health Plans offers individual and family health insurance through Denver Health Medical Plan, a local nonprofit insurer.
Despite the Denver name, its coverage area extends into northern Colorado, the mountains, and southwest Colorado. Through its partnership with Peak Health Alliance, Elevate is expanding into additional rural counties for 2027.
Whether it’s a good choice depends on the providers available to you, your prescriptions, and the total cost of the plan.
Where is Elevate available in 2027?
Elevate’s published coverage area includes these 24 counties:
| Region | Counties |
|---|---|
| Denver metro and northern Colorado | Adams, Arapahoe, Denver, Jefferson, Larimer, Morgan, Park, and Weld |
| Mountain and southwest Colorado | Alamosa, Archuleta, Conejos, Costilla, Dolores, Grand, Hinsdale, Jackson, La Plata, Lake, Mineral, Moffat, Montezuma, Rio Grande, San Juan, and Summit |
Peak Health Alliance identifies Alamosa, Conejos, Costilla, Hinsdale, Jackson, Mineral, Moffat, and Rio Grande as new counties for 2027.
Your home address determines which plans you can purchase. Provider locations are a separate question: a hospital being in-network doesn’t mean everyone living near that hospital can enroll.
Is Elevate limited to Denver Health?
No. Denver Health remains an important part of the network, but Elevate also lists participating providers and facilities elsewhere in Colorado.
Its northern Colorado information includes Banner Health providers and facilities in Larimer, Weld, and Morgan counties.
Peak Health Alliance’s directory includes providers throughout the mountain and southwest communities it serves. It also states that its listed providers are available to Elevate members regardless of where those members live.
That can be useful for someone who wants local care but may need services elsewhere. Still, check the individual doctor, facility, and plan before relying on a network listing.
Check your doctors before enrolling
Use Elevate’s individual and family provider directory. Avoid accidentally searching its Medicare, Medicaid, or employee-plan directories.
Check:
- Your primary care doctor and office location.
- Specialists you want to keep.
- Hospitals, surgery centers, imaging centers, and laboratories.
- Whether a practice is accepting new patients.
- Referral and authorization requirements.
A participating hospital doesn’t automatically establish that every physician working there participates.
Our Colorado doctor and hospital finder explains how to check these details.
What plans does Elevate offer?
Elevate’s published 2027 comparison includes four main choices:
| Plan | Individual deductible | Individual out-of-pocket maximum |
|---|---|---|
| Bronze HDHP | $7,100 | $8,000 |
| Colorado Option Bronze | $8,100 | $11,200 |
| Colorado Option Silver — standard version | $5,000 | $11,450 |
| Colorado Option Gold | $2,400 | $10,450 |
Eligible Silver enrollees can receive cost-sharing reductions that lower the deductible, out-of-pocket maximum, and other expenses.
A lower deductible doesn’t necessarily mean a lower worst-case annual cost. In this lineup, the Bronze HDHP has a higher deductible than Gold but a lower out-of-pocket maximum.
That doesn’t automatically make Bronze the better choice. Gold may cover routine services more generously, and premiums also matter. Compare the annual premium, the services you expect to use, and the amount you could owe during an expensive year.
These figures describe the published standard individual benefits. Check the documents for your exact plan and eligibility category.
How does Elevate handle prescriptions?
Check both the prescription formulary and the pharmacy network before enrolling.
For each medication, confirm:
- The exact drug, strength, and formulation.
- Its coverage tier and cost-sharing.
- Whether the deductible applies.
- Prior authorization, step therapy, or quantity limits.
- Any specialty-pharmacy requirements.
Elevate lists Denver Health pharmacies alongside national network pharmacies, including King Soopers, Walgreens, and Safeway. Mail-order options are also available.
If you use Denver Health pharmacies, ask about pricing there as well. Don’t assume every pharmacy will have the same cost for your prescription.
Can you use subsidies with Elevate?
Eligible customers enrolling in qualifying on-exchange Elevate plans through Connect for Health Colorado can receive financial assistance.
Compare your premium after assistance, rather than relying on the full-price premium.
If you qualify for cost-sharing reductions, look closely at the eligible Silver version. Those reductions improve what the plan pays when you receive care; they aren’t simply another premium discount.
Our Colorado health insurance subsidy guide explains the different types of assistance. The MAGI calculator can help you estimate the household income used for marketplace premium tax credits.
Off-exchange coverage isn’t eligible for marketplace premium tax credits.
Who should consider Elevate?
Elevate is worth comparing if its participating providers are convenient for you and its benefits work for your household.
It may be particularly relevant if you:
- Prefer receiving care through Denver Health.
- Use participating Banner providers in northern Colorado.
- Live in a community served through the Peak Health Alliance partnership.
- Find that its premium and benefits compare favorably with other available plans.
Start with your providers and prescriptions. A competitive premium won’t help much if the plan leaves you without practical access to the care you need.
Enrolling for 2027
Colorado open enrollment runs November 1, 2026, through January 15, 2027.
- Select a plan by December 15 for coverage beginning January 1.
- Select a plan December 16 through January 15 for coverage beginning February 1.
Outside open enrollment, you generally need a qualifying life event to enroll in individual coverage.
If you’d like help comparing Elevate with other carriers, send us your doctors, preferred hospitals, prescriptions, and expected household income.