Rocky Mountain Health Plans, often called RMHP, offers individual and family health insurance in Colorado under the UnitedHealthcare umbrella.
You may encounter both names when comparing coverage, searching for providers, or reviewing plan documents. UnitedHealthcare’s Colorado individual-market coverage is offered by Rocky Mountain Health Maintenance Organization, Incorporated.
The important detail is the specific plan and provider network. A doctor accepting UnitedHealthcare doesn’t necessarily participate in every RMHP individual plan.
This page focuses on individual and family coverage. RMHP’s Medicaid, CHP+, and Medicare-related programs have separate eligibility rules, benefits, and networks.
Which RMHP network would you use?
RMHP has several regional networks. The available choices depend on where you live and the particular plan you select.
| Network name | Where you may encounter it |
|---|---|
| Colorado Doctors Plan HMO | Front Range and eastern Colorado markets |
| Rocky Mountain HMO Valley | Mountain and Western Slope markets |
| Monument ONE HMO | Selected Western Slope markets |
| Monument Health HMO | Selected Western Slope markets |
These names aren’t interchangeable. Don’t assume that a doctor participating in one network participates in another.
Check available plans using your home address, then verify providers under the network attached to that exact plan. A provider’s location alone doesn’t determine whether you’re eligible to purchase the plan.
Does RMHP include UnitedHealthcare’s nationwide network?
Don’t assume a Colorado individual plan gives you routine access to UnitedHealthcare’s broad employer-plan network.
The UnitedHealthcare name appears on many types of insurance. Employer coverage, Medicare plans, Medicaid coverage, and individual marketplace plans can use different networks and rules.
For planned care, search the directory for your specific Colorado individual plan. If you spend part of the year outside Colorado or have a dependent attending college elsewhere, check how the plan handles care away from home before enrolling.
Emergency and urgent care have different coverage rules from routine out-of-network appointments.
Do you need a primary care doctor or specialist referral?
RMHP’s published 2027 individual-plan guide lists an assigned primary care physician as required for Colorado Doctors Plan, Rocky Mountain HMO Valley, Monument ONE, and Monument Health.
The same guide says specialist referrals aren’t required for those listed plans.
Those are separate requirements. Having an assigned primary care doctor doesn’t necessarily mean you need that doctor’s referral for every specialist visit.
Prior authorization is also separate. Certain treatments, procedures, prescriptions, or facilities may require insurer approval even when a specialist referral isn’t necessary.
How to check your doctors and hospitals
Before enrolling, check:
- Your primary care doctor and office location.
- Specialists you want to keep.
- Your preferred hospitals.
- Surgery centers, imaging facilities, and laboratories you expect to use.
- Whether participating practices are accepting new patients.
Search the insurer’s directory under the exact network, then confirm with the practice’s billing office. Ask whether they’re in-network for that particular individual plan, rather than simply asking whether they “take UnitedHealthcare.”
Check hospitals and physicians separately. A participating hospital doesn’t automatically establish participation for every doctor who practices there.
Our Colorado doctor and hospital finder explains the process and links to carrier directories.
Comparing RMHP plan benefits
Compare the actual benefits alongside the premium. Pay particular attention to:
| Cost or benefit | What to check |
|---|---|
| Monthly premium | Your cost after any eligible financial assistance |
| Deductible | What applies to medical care and prescriptions |
| Office visits | Copays, deductible requirements, and any visit limits |
| Hospital and outpatient care | Coinsurance and authorization requirements |
| Out-of-pocket maximum | Your annual limit for covered in-network care |
| Prescriptions | Coverage tiers, restrictions, and pharmacy requirements |
The deductible isn’t the most you could spend. Premiums, coinsurance, and other expenses also affect your annual cost.
If you qualify for cost-sharing reductions, compare the eligible Silver plan version carefully. Those reductions can substantially improve the benefits you receive when using the plan.
Prescription coverage
Check the prescription drug list associated with the exact plan and coverage year.
For each medication, verify the name, strength, formulation, and coverage tier. Also check for prior authorization, step therapy, quantity limits, and specialty-pharmacy requirements.
A medication being covered doesn’t tell you what you’ll pay. You also need to know whether a deductible, copay, or coinsurance applies.
Check your pharmacy’s participation separately, especially if you use a specialty medication or need mail-order service.
Can you receive financial assistance?
Eligible customers enrolling in qualifying on-exchange plans through Connect for Health Colorado may receive financial assistance.
Compare your premium after assistance is applied. The least expensive full-price plan won’t necessarily be the least expensive option for your household.
Our Colorado health insurance subsidy guide explains financial assistance. You can use the MAGI calculator to help estimate the household income used for marketplace premium tax credits.
Off-exchange plans aren’t eligible for marketplace premium tax credits.
Is RMHP a good choice?
It belongs in your comparison when its network gives you practical access to the care you need and its total costs compare favorably with other available plans.
Start with the doctors, hospitals, and prescriptions that matter to you. Then compare premiums and benefits.
For existing members, recheck those details before renewing. Keeping the same carrier doesn’t guarantee that every provider, prescription benefit, or cost-sharing amount will stay the same.
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.
If you’d like help comparing RMHP with other Colorado carriers, send us your doctors, preferred hospitals, prescriptions, and expected household income.