Select Health has established a strong presence in Colorado, offering direct plans or enrollment through Connect for Health Colorado. With a network that includes Intermountain Health, UCHealth, AdventHealth, and Monument Health, members have access to a comprehensive healthcare system. This integrated approach means your doctors, specialists, and health records are all connected, aiming to provide coordinated and efficient care.
Is Select Health good insurance in Colorado?
We’ve recommended Select Health to many Colorado clients, and my own family has been insured with them. In 2026, their combination of low premiums, strong benefits, and access to UCHealth made them an especially competitive option.
For 2027, the comparison has changed. Select Health’s approved statewide weighted average premium increase is 23%. Individual rate changes vary, but that increase makes them less competitive on price.
Select Health’s 2027 provider and service-area updates
Select Health has announced several Colorado network updates:
- Quest Diagnostics is expected to be contracted for all products by January 1, 2027. Participation isn’t final yet, so confirm coverage before scheduling lab work.
- Additional pediatric practices include Pinery Pediatrics, Highlands Integrative Pediatrics, Village Pediatrics, Doctor’s Care, Parker Pediatrics, and Pediatric Journeys. Check the specific doctor and location before enrolling.
- Colorado service areas will remain unchanged for 2027.
- The Intermountain Health and AdventHealth joint venture doesn’t change current Select Health plans, provider contracts, or member access.
How our family’s Select Health Bronze plan is changing for 2027
In 2026, Select Health Value Bronze $8,500 Medical Deductible was the lowest-priced option for many of the Colorado households we helped, including my own family. Its benefits and access to UCHealth made it a particularly strong value.
For 2027, premiums are increasing and several benefits are changing. Here are selected changes from the renewal notice Select Health sent our family:
| Benefit | 2026 | 2027 |
|---|---|---|
| Individual out-of-pocket maximum | $10,600 | $12,000 |
| Family out-of-pocket maximum | $21,200 | $24,000 |
| Prescription deductible | Separate $2,000 individual / $4,000 family deductible | Combined with the medical deductible |
| Primary care visits | $35 | Three visits at $50, then covered at 100% after the deductible |
| Mental health and substance use disorder virtual visits | $0 | Three visits at $50, then covered at 100% after the deductible |
| Mental health and substance use disorder office visits | 50% after deductible | $65 after deductible |
| Specialist visits | 50% after deductible | $65 after deductible |
| Outpatient rehabilitation, habilitation, speech therapy, occupational therapy, and physical therapy | $25 | $65 after deductible |
| Applied behavior analysis therapy | $35 | $0 after deductible |
| Tier 2 prescriptions | $15 | $30 |
The individual out-of-pocket maximum is increasing by $1,400. Several therapy services that previously had $25 copays will instead require meeting the deductible before the $65 copay applies.
Other changes need a closer comparison. A $65 specialist copay after the deductible can be more predictable than paying 50% of the allowed charge. And combining the prescription and medical deductibles changes how spending accumulates toward coverage.
These changes apply to this particular plan’s renewal, not every Select Health plan. The notice also doesn’t specify every coverage condition, such as whether a prescription copay applies before or after the deductible. Check the full 2027 plan documents when comparing your options.
We’re still comfortable recommending Select Health when its price, provider network, and prescription coverage fit. But a plan that was an easy recommendation in 2026 deserves a fresh comparison for 2027.
Our experience with Select Health claims and service
My family’s experience with Select Health has included claims following my son’s skateboarding accident and surgery on his broken elbow. Select Health processed the surgery claim promptly, although we’re still waiting for the clinic, OCR, to send its bill. I’ve found the member portal useful for following claims, receiving updates, and exporting records to keep track of everything.
I’ve received $180 in rewards for step tracking, getting a wellness visit, etc!
We’ve also been able to direct emails to the claims representative handling the case through [email protected] by referencing her extension. Email responses haven’t always been prompt, and follow-up has sometimes come as a voicemail instead.
That’s our family’s n=1 experience with one ongoing case. It doesn’t tell us how quickly Select Health processes claims overall.
We’re still comfortable recommending Select Health when the coverage and price fit. Check your doctors and hospitals against the Select Health Value network, check your prescriptions against the plan’s formulary, and compare the benefits with your other options. It was a particularly strong value in 2026. For 2027, it deserves a fresh comparison.
Get Quotes and Enroll in a Plan
Understanding Plan Options
Select Health offers a variety of plans to accommodate different preferences and financial situations:
- Bronze Plans: Ideal if you prefer lower monthly premiums and are comfortable with higher out-of-pocket costs when you receive care.
- Silver Plans: If you qualify for cost-sharing reductions (CSR), a Silver plan can offer substantially lower deductibles, copays, and out-of-pocket limits. These extra benefits are available only with eligible on-exchange Silver plans.
- If you don’t qualify for CSR, compare Bronze and Gold plans too. On-exchange Silver premiums include an additional charge known as “Silver loading,” which can make other coverage levels a better value. If you receive premium tax credits, compare prices after those credits are applied.
- If you don’t qualify for financial assistance, also compare off-exchange Silver plans. Select Health is not participating in Connect for Health Colorado’s 2027 off-exchange pilot, so its off-exchange plans won’t appear through that new shopping option. We can still help you enroll in Select Health’s off-exchange plans directly.
- Gold Plans: These come with higher monthly premiums but lower costs when you need care. You’ll pay less out-of-pocket for services like doctor visits and prescriptions.
All Select Health plans cover preventive care services at 100% before the deductible, ensuring you can access essential health screenings and check-ups without additional costs.
Network Flexibility
Select Health offers different network options to suit your needs:
- Select Health Value Network: Provides a broad selection of facilities and affiliated providers, offering flexibility in choosing where you receive care. This network includes access to AdventHealth, Intermountain Health, Monument Health, and UCHealth.
It’s important to note that the availability of these networks can vary based on your location, so reviewing the options in your area is essential.
Getting Started
If you’re considering Select Health for your health insurance needs, it’s best to compare plan details and understand how they align with your healthcare preferences and budget. For personalized assistance, you can contact us to guide you through the selection process.
Remember, choosing the right health plan is a significant decision that impacts your access to care and financial well-being. Taking the time to explore your options and ask questions ensures you find a plan that best supports your health journey.
Note: The information provided here is for general understanding and may not reflect the most current plan details. Always refer to official Select Health resources or consult with a licensed insurance broker for the most accurate and personalized information.