How Much Does Health Insurance Cost in Pueblo, CO?
Pueblo pricing is 15% below the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Pueblo's diversified economy.See our methodology
Health Insurance Pricing in Pueblo, CO
Pueblo is one of the more affordable markets for health insurance, with costs running about 15% below the national average. The city's diversified economy and balanced labor market create favorable conditions for competitive pricing. Getting multiple quotes from the 110K-population metro area is straightforward.
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 Pueblo: rapid population growth in many mountain cities has tightened contractor availability.
Pueblo 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.
Pueblo vs National Average
What Affects Health Insurance Cost in Pueblo?
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
Pueblo 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 Pueblo, CO
3 providersHeritage Plumbing
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Tips to Save on Health Insurance in Pueblo
- 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 Pueblo Cost Trends (2020–2024)
Prices have increased +17.8% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $325 | — |
| 2021 | $339 | +4.3% |
| 2022 | $361 | +6.5% |
| 2023 | $371 | +2.8% |
| 2024 | $383 | +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 Pueblo
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 Pueblo than other cities?
Pueblo'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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