How Much Does Health Insurance Cost in Boulder, CO?
Boulder pricing is 25% above the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Boulder's diversified economy.See our methodology
Health Insurance Pricing in Boulder, CO
Boulder is a high-cost market where health insurance runs about 25% above the national average. The city's diversified economy supports higher wages, which translates to elevated contractor rates. With a population of 105K, competition among providers exists but demand keeps prices firm.
Local climate plays a direct role in health insurance costs here. High altitude affects HVAC efficiency; dry climate and intense UV degrade exterior surfaces.
Market-specific factors matter in Boulder: rapid population growth in many mountain cities has tightened contractor availability.
Boulder has moderate permitting requirements. Depending on the scope of your health insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Boulder vs National Average
What Affects Health Insurance Cost in Boulder?
Plan Tier
Bronze: $250-$400/mo. Silver: $350-$550/mo. Gold: $450-$700/mo. Platinum: $550-$800/mo
Age
26-year-old: $250-$400. 40-year-old: $350-$550. 60-year-old: $600-$1,000
Boulder Market Conditions
rapid population growth in many mountain cities has tightened contractor availability
Local Climate Impact
high altitude affects HVAC efficiency; dry climate and intense UV degrade exterior surfaces
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Top-Rated Health Insurance Pros in Boulder, CO
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Tips to Save on Health Insurance in Boulder
- 1.Check ACA marketplace for subsidies — most people qualify
- 2.Higher deductible plans have lower premiums if you're healthy
- 3.Compare plans during open enrollment
- 4.Use HSA-eligible plans to save pre-tax dollars
📈 Health Insurance in Boulder Cost Trends (2020–2024)
Prices have increased +17.5% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $479 | — |
| 2021 | $499 | +4.2% |
| 2022 | $531 | +6.4% |
| 2023 | $546 | +2.8% |
| 2024 | $563 | +3.1% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Health Insurance in Boulder
Recent Reports
Frequently Asked Questions
What's the cheapest health insurance?
Catastrophic plans are cheapest ($150-$250/mo) but only available to those under 30. Otherwise, Bronze plans are the most affordable.
Why does health insurance cost different in Boulder than other cities?
Boulder's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
Health Insurance Cost in Nearby Cities
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