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Compare private PPO, HMO, and ACA Marketplace health insurance plans in Pagosa Springs, CO. Coverage available year-round — free guidance from a licensed local agent.
Pagosa Springs is a community of ~1,800 people in Archuleta County, Colorado. Pagosa Springs' mountain resort and retirement community creates a small market where self-employed residents and retirees compare Connect for Health Colorado and Medicare options in the San Juan Mountains.
Before you choose a plan, it helps to understand how health insurance works in this area — including which carriers are active, what the local provider networks look like, and how Colorado's insurance market affects your options.
As an independent licensed agency, CoverPath works with all major carriers to help Pagosa Springs residents find the right coverage. We represent you — not the insurance company. Our consultations are always free.
Pagosa Springs
City
Archuleta County
County
~1,800
Population
42
Median Age
Colorado expanded Medicaid in 2013 and runs Connect for Health Colorado, a state-based ACA marketplace covering 220,000+ residents. Colorado has one of the lowest uninsured rates in the nation at under 8%. Medicare covers 900,000+ Coloradans, with strong Medicare Advantage penetration in Front Range communities. Colorado is actively developing a state public option plan.
Answer a few quick questions and get a personalized recommendation — or book a free call with a licensed agent who knows the Archuleta County market.
Pagosa Springs residents in Archuleta County have access to plans from Blue Cross Blue Shield, UnitedHealthcare, Ambetter, Cigna, Oscar Health, and Molina Healthcare through the ACA Marketplace and as off-marketplace private plans. Plan availability varies by ZIP code within the county. A licensed CO agent can show you every plan available at your address at no cost.
Health insurance premiums in Pagosa Springs depend on your age, plan type, and whether you qualify for ACA subsidies. Many Pagosa Springs residents who qualify for premium tax credits pay $0–$100/month for a Silver plan. Without subsidies, individual premiums typically range from $300–$700/month depending on age and plan tier. A licensed CO agent will calculate your exact subsidy amount for free.
Outside of the ACA Open Enrollment Period (November 1–January 15), you can still get coverage if you have a qualifying life event — such as losing a job, getting married, having a baby, or losing other coverage. This triggers a 60-day Special Enrollment Period. A licensed CO agent can confirm whether you qualify and help you enroll quickly.