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Cheap Health Insurance in Denver

Medical treatment costs are high in Denver and can cause financial damage, underlining the importance of affordable and comprehensive health insurance. However, cheaper options exist. We tell you how.
Cheap Health Insurance in Denver
This blog explains some of the best cheap health insurance available in Denver, including benefits and costs, out-of-pocket expenses, and deductibles.
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Medical treatment costs are high in Denver and can cause financial damage, underlining the importance of affordable and comprehensive health insurance. However, several plans offer cheap health insurance. 

This blog explains some of the best cheap health insurance plans available in Denver, including benefits and costs, out-of-pocket expenses, and deductibles.

Top Cheap Health Insurance in Denver

There are multiple health insurance providers in Denver. We shortlist the top contenders. 

Beem

Beem, an insurance platform, lets you choose from multiple plans suited for different lifestyles and budgets. It can assist you with temporary health insurance, accident insurance, critical illness coverage, or dental plans, for individuals and families.

FactorsDetails
ProsAdvantages for offline office visits and urgent care.
Large national networks are accessible.
Provides options for individual and family plans.
Flexible coverage duration (30 days to 1 year).
ConsIt may not be suitable for long-term coverage.
Monthly CostRanges between $391 and $407 depending on the plan and coverage.
Out-of-Pocket ExpensesVaries based on the plan selected. 
DeductiblesRanges from $1,000 to $5,000.

Rocky Mountain Health

Rocky Mountain Health Plans has a large network that can provide health insurance plans suitable for individuals and families. Also, it provides Medicare and community plans such as Medicaid and CHP+.

FactorsDetails
ProsIt gets the focus of local providers.
Competitive premiums.
Strong community presence among the residents.
ConsLimited plan options.
Monthly CostDepends on the coverage, but monthly premiums start at around $210.
Out-of-Pocket ExpensesIt varies based on the plan selected and starts from $7,000.
DeductiblesIt can range from as high as $7,000 for individuals and $14,000 for families, depending on the insurance and type of plan selected.

Denver Health Medical Plan

Denver Health Medical Plan is a local non-profit organization that offers plans such as individuals and families, Medicare, CHP+, Medicaid and DHHA employers’ plans.

FactorsDetails
ProsAffordable premiums that can be accessed by many.
Comprehensive coverage to cover the required costs.
Strong focus on the health of the community.
ConsA limited number of providers.
Limited to the area of Denver only.
Monthly CostIt depends upon the selection, but plans start from $361 per month.
Out-of-Pocket ExpensesRanges from $7,100 to $8,700 for individuals and from $14,200 to $17,400 for families.
DeductiblesDeductible amounts can vary between $1,700 and $6,950 for individuals and between $3,400 and $13,900 for families.

Cigna

It provides services in fourteen states, which includes Denver. It provides three levels of metal medical coverage: bronze, silver, and gold. The bronze plan has the most affordable premiums but the highest deductible and out-of-pocket expenses, whereas the gold plan has the highest premium but the lowest out-of-pocket costs. It provides a complete selection of health insurance plans.

FactorsDetails
ProsLarge and spread global network.
Focuses on strong and preventive care.
Reliable customer support.
ConsPremium costs could be high. 
Monthly CostA 21-year-old can expect to pay $390, and it goes up as age increases. However, the monthly cost varies depending on your choice of plan.
Out-of-Pocket ExpensesCan be around $9,450 for an individual with a bronze plan.
DeductiblesDeductibles for Cigna plans can be around $7,500 for individuals and $15,000 for families.

Anthem Blue Cross and Blue Shield

This is a top insurer known for its wide-ranging networks and quality customer service. In addition, they provide health insurance options like Medicare, Medicaid Plans, and Small Business Plans.

FactorsDetails
ProsStrong customer service.
Vast provider network.
Wellness program benefits.
ConsIt may not be suitable for someone who is looking for a budget-friendly option.
Monthly CostPremiums start at approximately $220 per month. It may change depending on the needs and plan selected.
Out-of-Pocket ExpensesCan range between $4,500 to $8,000 depending on the plan chosen. 
DeductiblesVary widely by plan. 

Conclusion

Affordable health insurance is necessary in Denver because the medical costs are quite high, as finding affordable and comprehensive health insurance is tough. However, a few plans in Denver are good options. Platforms like Beem can help you compare and find the best insurance plan per your needs and budget. After comparing and understanding several options, you can find a plan that meets your needs and helps safeguard your financial stability.

Read Related Article: Cheap health insurance in Delaware.

FAQs

Who has the lowest health insurance rates in Denver?

With rates varying depending on your individual circumstances, Trybeem and Denver Health Medical Plan often post the lowest monthly premiums in Denver.

How to get free health insurance in Denver?

Medicaid usually offers free health coverage. Qualification is based on income and additional criteria. Moreover, community health centers and programs might provide fees that adjust according to income levels.

Which insurer has low deductibles and out of pockets in Denver?

Plans like Denver Health Medical Plan and Cigna offer options with lower deductibles and out-of-pocket costs in their higher-tier plans. Comparing specific plan details is essential to find the best value.

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Author

Picture of Raman Gujral

Raman Gujral

An achievement-oriented professional, Raman has 10+ years of experience in B2B SaaS and B2C products across Fintech, Telecom, Digital Media, Social Media and Logistics domains. Defining and communicating product vision and strategy, product roadmap development, product positioning, and data analysis, he is also an expert in health insurance and personal loans content.

Editor

This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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