Halfway between Denver and Boulder on the US 36 corridor, Westminster catches workers from both directions: tech and aerospace employees commuting northwest, downtown commuters heading southeast, and a growing group who stopped commuting entirely and work from home. Job changes along that corridor are frequent, and every job change is a coverage decision with a deadline attached.
The rules here
| Short-term products | Not available in Colorado |
| Products available | ACA marketplace, Medicaid (Health First Colorado), supplemental |
| Exchange type | State exchange (Connect for Health Colorado) |
| Medicaid expansion | Yes |
What's available in Westminster
| Coverage line | Available here | Key limit | Learn more |
|---|---|---|---|
| ACA marketplace plans | Yes | Open enrollment or a qualifying event | ACA plans |
| Short-term medical | No | Colorado caps these plans so tightly that no carrier offers them in the state | Not sold here |
| Extended short-term (multi-year) | No | With no short-term market in Colorado, extended versions do not exist here | Not sold here |
| Fixed indemnity | No | Not sold in Colorado | Not sold here |
| Supplemental (accident, critical illness, dental, vision) | Yes | Pays defined benefits alongside a primary plan | Accident · Critical illness · Dental · Vision |
Supplemental coverage pays fixed cash benefits for named events. It is not major medical insurance and does not stand in for a marketplace plan.
What one person pays for coverage in Colorado
Average monthly premiums for individual coverage. Family pricing differs; quotes are individual.
| Coverage type | Monthly premium (individual) | What that number is |
|---|---|---|
| ACA marketplace (before subsidy) | $673 avg. | State average, before tax credits (CMS Marketplace OEP, 2026).1 |
| ACA marketplace (after average subsidy) | $187 after credit | State average, after the average tax credit, among subsidized enrollees (CMS Marketplace OEP, 2026).1 |
| Employer coverage (single / family) | $698 / $2081 single / family | State average total monthly premium, single / family; employee pays about $159/mo toward single coverage (MEPS-IC, 2024).2 |
| Medicaid (Health First Colorado) | $0 or nominal for those who qualify | Program design, not an average; eligibility is income-based5 |
| Accident | $39.95 median | Among GetHealthPlans.com clients in Colorado with individual coverage, as of July 2026.3 |
| Critical Illness | $55.08 median | Among GetHealthPlans.com clients in Colorado with individual coverage, as of July 2026.3 |
For self-employed Westminster residents, the individual marketplace benchmark above is the reference point. Subsidy eligibility follows your household income and size for the year. Treat any estimate as an estimate, not a promise, and let a licensed agent verify what your household qualifies for.
Averages from federal data and our own client base, not quotes. Your price depends on your age, household, income, and plan choice.
Westminster at a glance
Westminster spreads across the US 36 corridor in Adams County, with older postwar neighborhoods on its south end and newer master-planned development toward the north and west. Its position between the Denver and Boulder job markets gives it an unusually mobile workforce, heavy on tech, aerospace suppliers, and professional services.
| Population | County | Metro |
|---|---|---|
| ~116,000 | Adams (FIPS 08001) | Denver |
Three Westminster situations
Grace, 38, UX consultant who left a Boulder tech firm. Her employer plan ended with her badge. She compared COBRA at full cost against a subsidized marketplace plan and found the marketplace cheaper at her projected consulting income, though she confirmed her specialists were in network before switching. The Special Enrollment Period clock started the day her coverage ended.
Hakeem, 55, owns a small HVAC company. He carries a marketplace plan for himself and pays his two techs a stipend rather than running group coverage. Each tech shops Connect for Health Colorado individually, and each may land a different subsidy since eligibility is household by household.
Noor, 23, part-time dental assistant, part-time student. Her income puts her near the Health First Colorado threshold. She applies through the state, and if her income lands above the line, the same application routes her to marketplace plans with a subsidy estimate. Either way she is not stuck waiting for November.
How Colorado's rules work
No carrier sells short-term limited duration insurance in Colorado because the state's caps are restrictive enough to eliminate the market entirely. Fixed indemnity is likewise not sold here. Colorado's answer to coverage gaps is structural rather than product-based: a state exchange, expanded Medicaid, and Special Enrollment Periods triggered by life events.
Connect for Health Colorado runs open enrollment on dates it sets each year, generally opening November 1. Health First Colorado, the state's Medicaid program, enrolls year-round on an income basis, and because Colorado expanded Medicaid there is no coverage gap between Medicaid and subsidized marketplace plans. Someone leaving a job in Westminster has a defined path, and the main risk is simply missing the enrollment window.
Ready to compare your options? Get a personalized quote from a licensed Colorado agent. No obligation, no spam, real answers.
Keep reading — more Colorado guides
Premium data methodology. 1 Marketplace premium averages reflect the average monthly premium before advance premium tax credits, the average monthly premium after advance premium tax credits among subsidized enrollees, and the percentage of enrollees receiving advance premium tax credits, for Colorado, as reported in the Centers for Medicare & Medicaid Services (CMS) Marketplace Open Enrollment Period Public Use Files, 2026 plan year, available at cms.gov. Figures are statewide averages across all metal tiers, ages, and household sizes; your premium will differ based on your age, household, income, county, and plan selection.
2 Employer coverage averages reflect the average total monthly premium for single and family coverage at private-sector establishments in Colorado, including both employer and employee contributions, as reported in the Medical Expenditure Panel Survey Insurance Component (MEPS-IC), Agency for Healthcare Research and Quality, 2024 tables, available at meps.ahrq.gov. Employee contribution figure reflects the average employee share of the single-coverage premium. Employer plan costs vary by employer, plan design, and firm size.
3 Client averages are calculated from GetHealthPlans.com (MTG Insurance Agency LLC) internal book-of-business records as of July 15, 2026 and reflect the median or mean monthly premium, as labeled, among active policies providing individual coverage (one covered person) of the stated product type held by our clients residing in the stated state or, where labeled agency-wide, across all states in which we operate. Family and multi-person policies are excluded so that figures reflect what one person pays. Figures are shown only for states and products where our records include a sufficient number of active individual policies to report a meaningful average, with a minimum of ten; combinations below that threshold are not shown. Where a figure is labeled "median," half of our client policies in that group pay less and half pay more. Our client base reflects the products we sell, skews toward medically underwritten coverage, and may not represent all buyers or all plans available in a state. These figures are historical averages of premiums actually paid by our clients, are not quotes, offers, or projections, and are not statements of what any individual will pay. Individual premiums are determined by the insurer at application based on age, location, term length, benefit selections, and underwriting outcomes.
4 No federal or state agency publishes average premium data for short-term limited duration insurance or fixed indemnity insurance. Where we do not display a client-base figure for these products, it is because we do not have sufficient policy volume in that state to report a meaningful average. Short-term and fixed indemnity products are medically underwritten, are not major medical coverage, are not required to cover pre-existing conditions or essential health benefits, and do not constitute minimum essential coverage under the Affordable Care Act.
5 Medicaid and CHIP are public programs, not insurance products sold by this agency. Premiums are $0 or nominal for those who qualify; eligibility is determined by your state based on income, household size, and other factors. The figure shown describes program design, not an average. Contact your state Medicaid agency or HealthCare.gov to check eligibility.