How Much Does Health Insurance Cost in Fort Collins, CO?
Fort Collins pricing is near the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Fort Collins's diversified economy.See our methodology
Health Insurance Pricing in Fort Collins, CO
In Fort Collins, health insurance costs are 10% above the national average, reflecting the city's diversified-driven economy. The balanced labor market means you have decent options when shopping for quotes. Most residents with a population base of 170K find the pricing competitive relative to the local cost of living.
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 Fort Collins: rapid population growth in many mountain cities has tightened contractor availability.
Fort Collins 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.
Fort Collins vs National Average
What Affects Health Insurance Cost in Fort Collins?
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
Fort Collins 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 Fort Collins, CO
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Apex Electrical
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Tips to Save on Health Insurance in Fort Collins
- 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 Fort Collins Cost Trends (2020–2024)
Prices have increased +17.9% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $420 | — |
| 2021 | $438 | +4.3% |
| 2022 | $467 | +6.6% |
| 2023 | $480 | +2.8% |
| 2024 | $495 | +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 Fort Collins
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 Fort Collins than other cities?
Fort Collins'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.
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