Health insurance options in Fort Collins
Residents of Fort Collins and Larimer County buy coverage from two markets: Connect for Health Colorado, with guaranteed-issue plans from Anthem, Kaiser Permanente, Rocky Mountain Health Plans, Cigna, and Denver Health priced on income, and the private shared-network market, with PPO plans on Cigna, Aetna and PHCS PPO priced on health. Most people in Fort Collins have only been shown the first.
What it costs in Fort Collins
A healthy 40-year-old in Fort Collins pays roughly $550–$850 a month full price on the marketplace in 2026, or roughly $320–$480 on a private PPO. A family of four: roughly $1,500–$2,500 marketplace full price versus $800–$1,300 private. Prices depend on age, deductible and health; see live numbers on the quoting tool.
Keeping your Fort Collins doctors
Marketplace plans in Colorado are increasingly HMOs tied to one hospital system. The Cigna, Aetna and PHCS PPO PPO networks include most major providers in Larimer County and work in every state — we check your specific doctors before you enroll.
The Colorado factor
Colorado requires carriers to sell standardized 'Colorado Option' plans on the marketplace, and mountain-county premiums run well above Front Range prices — the gap private plans tend to close. Colorado has no state individual mandate.