How Much Does Health Insurance Cost in Denver, CO?
Denver pricing is 15% above the national average. Updated for 2026.
Based on local labor rates, semi-arid climate conditions, and Denver's tech-energy-aerospace economy.See our methodology
Health Insurance Pricing in Denver, CO
In Denver, health insurance costs are 15% above the national average, reflecting the city's tech-energy-aerospace-driven economy. The tight labor market means you have decent options when shopping for quotes. Most residents with a population base of 715K find the pricing competitive relative to the local cost of living.
Local climate plays a direct role in health insurance costs here. Altitude and dry climate affect materials differently; heavy snow loads impact roofing; rapid temperature swings stress HVAC systems.
Market-specific factors matter in Denver: rapid growth has created contractor shortages; altitude requires special considerations for HVAC sizing and combustion equipment.
Denver 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.
Denver vs National Average
What Affects Health Insurance Cost in Denver?
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
Denver Market Conditions
rapid growth has created contractor shortages; altitude requires special considerations for HVAC sizing and combustion equipment
Local Climate Impact
altitude and dry climate affect materials differently; heavy snow loads impact roofing; rapid temperature swings stress HVAC systems
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Top-Rated Health Insurance Pros in Denver, CO
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Tips to Save on Health Insurance in Denver
- 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 Denver Cost Trends (2020–2024)
Prices have increased +17.7% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $440 | — |
| 2021 | $458 | +4.1% |
| 2022 | $488 | +6.6% |
| 2023 | $502 | +2.9% |
| 2024 | $518 | +3.2% |
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 Denver
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 Denver than other cities?
Denver's costs reflect local labor rates driven by the tech-energy-aerospace economy, semi-arid climate conditions that affect materials and scheduling, and moderate permitting requirements. The tight labor market also influences competitive pricing.
Health Insurance Cost in Nearby Cities
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