Rocky Mountain Health Plans
By Leslie Alford – Updated Mar 2, 2026
Reviewed by Wiley Long – Fact checked by Misty Berryman
Rocky Mountain Health Plans, a subsidiary of UnitedHealthcare, is a non-profit organization that has been providing Coloradans with quality health plans since their founding in 1974. Today, Rocky Mountain Health Plans (RMHP) covers more than 211,000 people statewide.
The company is based in Grand Junction, and has regional offices in Pueblo, Denver, Colorado Springs, and Durango.
Rocky Mountain Health Plans Financial Strength & Liquidity
Every insurance policy is only as good as the company’s financial capacity to stay in business and pay claims. That’s why financial ratings are an important factor in choosing an insurance company.
RMHP enjoys an A+ rating from Weiss Ratings, which is the highest grade in their rating system, and earns them a place on their prestigious Recommended List, and places Rocky Mountain Health Plans in the top 3.8% of all health insurance carriers.
Understanding the ACA Metallic Plan Tiers in Colorado
Colorado residents have a wide range of Affordable Care Act-qualified plan choices, including health maintenance organizations (HMOs), preferred provider organizations (PPOs), and high-deductible health plans, which allow policyholders to make tax-advantaged contributions to health savings accounts (HSAs).
Rocky Mountain Health Plans offers many health plans via the Connect For Health Colorado marketplace. This means that these plans are eligible for premium tax credits under the Affordable Care Act for lower and middle-income families and individuals.
Like other providers of ACA-qualified plans, RMHP offers their HMO and PPO plans in three “metallic” tier levels: Bronze, Silver, and Gold.
Bronze plans cover 60% of your medical costs once you meet your annual deductible. You are responsible for 40%, up to your plan’s maximum out-of-pocket limit.
These plans have lower monthly premiums than other options. But you retain more risk, and pay more in the event you need medical care.
Silver plans, which are eligible for ACA premium subsidies, cover 70% of your medical costs after you meet your annual deductible. You are responsible for the remaining 30%, up to the annual out-of-pocket limit.
Gold plans offer a high level of coverage and broadest range of protections. They also have higher monthly premiums than the lower tiers. These plans cover 80% of your medical costs after you meet your deductible. You are responsible for the remaining 20%, up to the annual out-of-pocket limit.
Platinum plans have the highest benefit levels and the lowest out-of-pocket exposure to medical costs. They also have higher premiums than the other plan tiers. Platinum plans cover 90% of your medical costs after you meet your deductible. You are responsible for the remaining 10%, up to the annual out-of-pocket limit.
What’s the Out of Pocket Limit?
As of 2023, the ACA annual maximum out of pocket limit for all plan tiers is $9,100. Once you spend the out-of-pocket limit amount out of pocket on qualified health care expenses, your plan covers 100% of costs for the plan 2023
Rocky Mountain Health Plans Available in Colorado
Essential
This is RMHP’s most budget-friendly plan, with the lowest monthly premiums. It’s a good solution if you want your plan to focus on catastrophic coverage, and you are willing to pay more out of pocket for routine or minor illnesses and injuries.
Depending on your income and the size of your household, the Essential plan may be as low as $0, after accounting for the Obamacare subsidy. This plan is only available at the Bronze tier. So you would be responsible for up to 40% of medical costs after your deductible, up to the annual out-of-pocket limit.
With the Essential plan, you receive free visits with your primary care doctor once you meet your deductible. (With higher-tier RMHP plans, you enjoy this benefit right away).
Virtual First
Virtual First plans focus on cost reduction by maximizing virtual medical services like Telehealth. It’s ideal for frequent travelers and digital nomads, because you can access virtual care 24/7 from anywhere in the world you have Internet access.
This plan leverages the innovative Galileo mobile app. This plan is available at the Bronze and Silver tiers.
Value
The Value plan features affordable, low-copay primary care visits, along with robust access to money-saving virtual care and telemedicine using the Galileo app.
The RMHC’s Value plan is a great fit if you want to see your doctor fairly often, and you need some more protections and benefits compared to the Essential plan.
Colorado residents can get a RMHP Value plan in Bronze, Silver, and Gold metal levels. You can also get a high deductible version that qualifies for HSA contributions.
Advantage
The Advantage plan is RMHP’s premier plan, with the highest levels of coverage. It’s best for people who expect to spend more than their deductible, who consume a lot of healthcare, and who are able to pay a higher premium each month to receive more benefits.
Unlike the other RMHP plans, Advantage plans are available with adult vision and dental benefits embedded with the plan. With the other plans, you would have to purchase vision and dental insurance or discount plans separately.
High Deductible Rocky Mountain Health Plans and HSAs
Rocky Mountain Health Plans offers a number of high-deductible health plans (HDHPs). These plans allow otherwise qualified people to save potentially thousands of dollars by making pre-tax contributions to a health savings account (HSA).
These accounts provide a triple tax benefit:
Contributions are pre-tax.
Assets in HSAs grow tax-deferred as long as they’re held within the account
Withdrawals from HSAs to pay for qualified healthcare expenses are tax-free.
Rocky Mountain Health Plans Prescription Drug Coverage
Most Rocky Mountain Health Plans include prescription drug coverage at six different tier levels, depending on the drug.
Tier 1 drugs are generic preventive drugs and are available at zero cost to plan members.
Tier 6 drugs are high-cost specialty drugs, and have the highest copays, though total cost-sharing, including deductibles, copays, and coinsurance is limited to the annual out of pocket limit mentioned above.
Some higher-tier drugs may require prior authorization from RMHP. There may also be quantity limits.
If you’re currently taking prescription medications, it’s a good idea to check whether your medication is listed on the plan formulary, and what your possible copay or other out-of-pocket costs may be.
Your ColoHealth Personal Benefits Manager can help you with that, as well as help you check whether your care providers or pharmacies are included in the plan’s network.
You can contact us for assistance here. It’s free!
Primary Care Access
Most Rocky Mountain Health Plans (other than Essentials) provide unlimited access to your matched primary care provider with a zero-dollar copay, even before you meet your deductible. RMHP’s Essential plan provides this benefit, but only after you meet your deductible for the year.
Unlimited Virtual Urgent Care Benefits
Most Rocky Mountain Health Plans (other than Essential) provide unlimited access to virtual urgent care via the Galileo app, even before you meet your deductible. The Essential plan provides this benefit after you meet your deductible for the year.
This urgent care benefit is available 24/7.
Digital Fitness Classes
RMHP members enjoy access to a premium library with thousands of digital fitness classes – both live and on-demand – included with their health plans.
Rocky Mountain Health Plans Frequently Asked Questions
Does Rocky Mountain Health Plans offer group health plans for small businesses?
Yes. RMCP offers a very competitive set of plan options for Colorado employers of all sizes.
RMCP group health plans include a full set of preventive care services at no cost to the employee or covered family member.
These benefits include:
- Immunizations
- Physicals, and
- Routine exams
- Mammograms
- Pap smears
- Colon cancer screenings
- Prostate cancer screenings
Seasonal flu shots are offered at zero cost to members. Groups over 25 may receive support for an on-site seasonal flu vaccination program.
To arrange a free group health plan design analysis, consultation, and quote, contact a ColoHealth Personal Benefits Manager.
It’s a good idea to have a plan census available, including any family members you want covered, if possible – along with ages and smoking status.
When Can I Sign Up with Rocky Mountain Health Plans?
Most people should sign up for a Rocky Mountain Health Plan during the Colorado Open Enrollment Period, which runs from November 1st through January 15th. During this period, you get a guaranteed right to enroll in the plan of your choice, regardless of your medical history. You cannot be turned down because of your medical condition.
However, if your income is below 150% of the poverty line for your household size, you may be eligible for guaranteed year-round enrollment.
You may also be eligible for a limited 60-day special enrollment period if you have a qualifying life event. Examples include:
- Losing your prior health care coverage
- Relocating
- Getting married or divorced
- The birth or adoption of a child
- Change in citizenship status
- Significant change in income that may affect your eligibility for an ACA subsidy.
If you do not qualify to enroll right now, you may want to consider a health sharing plan, which allows year-round enrollment. For more on whether you may qualify for a special enrollment period, or for help enrolling in a Colorado health plan, contact your ColoHealth personal benefits manager.
Can I use a broker or agent? Or do I have to sign up with Rocky Mountain Health Plans on the Connect For Health Colorado Exchange?
It’s a great idea to get professional advice and guidance from a health insurance broker, such as a ColoHealth Personal Benefits Manager. Your PBM can help you analyze all your healthcare options, both on and off the Connect for Health Colorado exchange.
If an exchange plan is best for you, your PBM can help you enroll – all at zero cost to you!
When you use a broker or agent, the insurance carrier pays their commission, not you.
So you can enroll via ColoHealth and get the benefit of expert health insurance advice and ongoing support and education – essentially free!
If you’re eligible for an Affordable Care Act subsidy, your ColoHealth PBM can help you maximize the value of that subsidy, and make sure you’re enrolled in the best plan possible for you and your family.
Does Rocky Mountain Health Plans require me to get a referral before seeing a specialist?
Yes, if your plan is an HMO, or health maintenance organization, except for emergency care. You would get your referral from your primary care physician assigned to you by your plan. However, you can get this referral using your telemedicine benefit at no cost to you (for all plans except Essentials, which provides this benefit after you reach your annual deductible.
If your plan is a PPO, or preferred provider organization, you do not need to get a referral before seeing a specialist. But except for emergency care, you should see a specialist within your plan network to receive full coverage.
Do I need to use in-network providers with Rocky Mountain Health Plans?
For non-emergency care, you need to use authorized, in-network care providers for non-emergency care. Otherwise you’ll receive reduced coverage or no coverage from your RMHP. This is generally the case with all HMOs and PPOs.
However, emergency care is covered at any provider, in or out of your RMHP network.
Health Insurance Instant Quote
HEALTH INSURANCE INFORMATION
- Plans approved and authorized under the Affordable Care Act
- Covers Pre-Existing conditions
- Low cost subsidized plans available to those earning
< 400% of the federal poverty level - Unlimited lifetime benefits
- Available during open enrollment (November 1 – January 15), or if you qualify for a Special Enrollment Period
How to Choose an HSA-Qualified Health Plan
HSA plans are simple and easy to understand. If you need some basic information on how Health Savings Accounts (HSAs) work, visit our HSA page.
A relatively small percentage of health insurance plans are HSA-eligibile. If you are looking at health insurance quotes through our quote engine, HSA plans will be noted.
While HSAs are typically associated with insurance plans, ColoHealth also offers a partially self-directed HSA combined with a healthshare program through MPowering Benefits. Health care sharing programs are not insurance; instead, they pay formedical expenses in a different way. Members pay monthly contributions, and that money is pooled together to pay for its members’ qualifying medical expenses.
Health share programs offer significant savings, one of their biggest appeals and one of the reasons why there are now more than a million people who have joined a health share program. However, they aren’t for everyone. If you have a pre-existing condition or are currently going to the doctor often, medicare cost sharing programs might not be the right fit for you.
When you are ready to choose a plan, follow the directions below. It usually takes no more than 10 minutes or so to choose the best plan for your needs.
1. Get an Instant Quote.
Our instant quote engine can rapidly show you the available plans in your area, so that you can get an overall feel of what premiums will be for the different HSA plans.
To see just the HSA health insurance plans, change the “Plan Type” on the Customize Search tab at the top of the page to “HSA”. Note that not all insurance companies and plans are available in all areas.
The healthshare program that works with an HSA is very attractively-priced, particularly if you do not qualify for a health insurance subsidy.
Get an Instant HSA Health Insurance Quote
Get an Instant HSA Healthshare Quote
2. Compare premiums/monthly contribution amounts.
This will quickly give you a feel for which companies are most competitive in your area.
3. You may want to consider adding an $100 deductible accident policy. Stand-alone accident plans can be viewed on our Accident Plans page. Because these accident plans are very inexpensive, you may be able to keep your premiums lower while greatly reducing your exposure for the type of claim you’re most likely to need your health insurance for – an accident.
4. With both health insurance and most health sharing plans you may want to check the insurance company’s PPO or HMO network to see which doctors and hospitals are considered in-network providers. The link to each plan’s PPO or HMO network can be found on that company’s page on our site.
Note that some healthshare programs do not use a network, and allow you to see any doctor of your choice.
How to Apply for Coverage
Applying for HSA health insurance and establishing an HSA is quick and easy. Most companies allow you to apply online. Or you may simply print out an application and fax it to us at 866-284-0082, or mail in your application to the address below.
Apply Online
The easiest and most efficient way to apply for an HSA plan is online through a secure online application. This will enable you to avoid the hassles of filling out a paper application and will speed up the process by instantly transmitting your information directly to the insurance company. The application usually takes about 10 minutes to complete.
You may apply online by running instant quotes, and apply online for most plans we offer right from the quoting system's results page. Or simply select the apply online link below for the plan you are interested in.
If you are interested in a healthshare plan, you can get a quote on the MPowering Benefits HSA-qualified health share plan, and apply online.
Mail or Fax an Application
You can download an application for the plan you are interested in, print it out, fill in all the required information, and then either fax it to us toll-free at (866) 284-0082 or mail it to us at the address below.
What Happens After You Apply
When you apply for a health insurance plan through Colohealth, we immediately submit the information. We monitor your application during the whole process, and keep you informed. We use our experience and connections to make sure your policy gets issued as quickly as possible. If any additional information is needed, we’ll let you know. We will inform you as soon as you’ve been approved, and make sure you’re happy with your coverage.
We're Here to Help
As you've probably noticed, our website is comprehensive and should answer most of your questions. However, if you need personal assistance, we are happy to help. Simply pick up the phone and call us, or if you are already in communication with one of our Personal Benefit Managers, you can contact them directly.
If you’re unsure, you may want to schedule a telephone consultation before you sign up for a plan. We will help you fully analyze all your options, let you know the pros and cons of the various plans you are considering, and give you our professional opinion about which plans will best meet your needs. We’ll then help you get enrolled with the plan you choose.
How to Establish Your Health Savings Account
Once you have applied, you'll want to go ahead and set up your Health Savings Account. You are not required to establish an HSA, but by funding the account as soon as possible you'll be able to take advantage of the tax deductions and tax-deferred growth HSAs offer.
To establish your HSA, follow the steps below:
- Choose the bank or trustee you would like to administer your HSA.
- Fund your account no later than April 15th for the previous year.
- Decide how you want that money invested.
- Decide on a strategy for when you’re going to make withdrawals (see the How to Maximize Your Tax Benefits section below).
How to Maximize Your Tax Benefits
An HSA plan is really a pretty simple concept. You have a high-deductible health insurance plan you hope to never use, but if something big does happen, it will protect your assets and cover your medical expenses. There are a few things that can make a big difference in how much money you spend and how much money you accumulate in your account.
There are basically three different strategies on how to fund your HSA.
- Put no money in the account, except when you incur a medical expense. This strategy allows you to legally "launder" any money used to pay medical expenses. In other words, by depositing money into your HSA, then immediately withdrawing it to reimburse yourself for medical expenses, you are making your medical expenses all tax-deductible. You may want to use this strategy if you are on a tight budget and want to keep your cash outlay as low as possible.
- Fully fund the account, or at least put in as much as possible based on your budget. Take money out of the account any time medical expenses are incurred, and let the rest grow tax-deferred. This strategy will maximize your tax deduction, while making your HSA funds available to pay any non-covered medical expenses before your deductible is met.
- Fully fund the account, but pay all medical expenses from a non-HSA account. Reimburse yourself for medical expenses at a later date. This strategy will allow you to maximize your tax deduction and the tax-deferred growth of your HSA. You can then reimburse yourself, tax-free, at any time in the future for medical expenses incurred over the ensuing years.
To maximize the potential growth of your funds, you may want to make your HSA deposits as early in the year as possible. Any growth in your account is tax-deferred, like an IRA.
Take Full Advantage of Your HSA
Don't forget that every time you fund your account you get an instant tax deduction. When you offset the tax savings against your premiums, your net cost for an HSA plan can be very low.
The maximum allowable contribution goes up every year with the Consumer Price Index. If you are contributing to your account for 2024, the individual contribution limit is $4,150, and the family limit is $8,300. In 2025, that limit is $4,300 for individuals and $8,550 for families.
Review your options.
Rate increases for plans happen only in January, so make sure to review your options every year during open enrollment to make sure they’re still the best choice for you. Even if you switch to a plan without an HSA, the account and money are still yours to use; however, you simply can’t contribute to it anymore until you’re under another HSA-qualified plan
Often, people keep their plan much longer than they should, and end up paying much more than they should. If your rates go up, you can compare a wide variety of plans on our Instant Quote System. If you have your coverage through ColoHealth, we automatically do this analysis of available plans for you any time we are notified of rate increases.
Whether you pick an HSA with an insurance plan or a health share plan, HSAs plans are a great way to protect yourself while saving tax-deferred money. If you have any questions or would like to review your options, reach out to your Personal Benefits Manager or give us a call. We’d love to chat and help you through the process.
Healthshare Instant Quote
HEALTH COST-SHARING INFORMATION
- Not health insurance, but a way for like-minded individuals to share medical expenses
- Waiting periods on pre-existing conditions
- May exclude sharing for certain conditions or activities
- Enroll any time
- Much lower monthly cost than unsubsidized health insurance
Rocky Mountain Health Plans Reviews
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Solid Coverage, Minor Delays
Overall, I’m very happy with Rocky Mountain Health Plans. The coverage is solid, and I haven’t had any major issues. The only downside is that some specialist visits took longer to get approved, but otherwise, it’s a great plan.
Decent basic coverage, but limited specialist network
Rocky Mountain Health Plans is decent for basic coverage, but the network of specialists is somewhat limited. I’ve had a few issues with claims being processed slowly, and it’s not as comprehensive as I’d hoped.
Rocky Mountain Health Plans offers excellent value for the money!
The process is smooth, and I’ve always received prompt responses from customer service. The coverage has been exactly what I needed for my healthcare needs.
Highly recommend!
My Rocky Mountain health plan has been fantastic! The coverage is great, and I’ve always been able to find doctors in-network easily. Customer service is responsive, and claims are processed quickly. What more can you ask for?
Accessible and Transparent Pricing
The Plan’s transparent pricing structure has been a game-changer for our family. Unlike other plans we’ve had in the past, there are no hidden fees or surprises when it comes to our healthcare costs. We appreciate quickly understanding our coverage and expenses, allowing us to budget effectively for our family’s healthcare needs. The accessibility of pricing information has made managing our healthcare expenses stress-free, giving us confidence in our financial planning.
Comprehensive Coverage for Peace of Mind
The plan offers comprehensive coverage for a wide range of services, including preventive care, specialist visits, and emergency services. Knowing that we have access to high-quality care without worrying about hefty out-of-pocket expenses brings us peace of mind. Whether it’s a routine check-up or a more complex medical issue, we trust Rocky Mountain Health Plan to provide the support and coverage we need.
Community-Focused Healthcare at Its Best
Rocky Mountain Health Plan’s commitment to community-focused healthcare sets it apart from other insurance providers. From supporting local initiatives to promoting wellness programs, the plan goes above and beyond to invest in the health and well-being of the communities it serves. As residents of Colorado, we appreciate being part of a healthcare network that prioritizes the needs of its members and works to make a positive impact on the community as a whole.
Good coverage, but pricey
Overall, I’m pretty happy with the coverage I’ve gotten from Rocky Mountain Health Plans. I do think their premiums could be a bit more affordable, though – it’s definitely a strain on my budget.
That being said, the coverage is pretty comprehensive. I’ve never had any major issues when I’ve had claims. I wish they had more of a catastrophic only plan to choose from.
Efficient claims and billing process
I work in insurance claims processing, so I know how difficult it can be! I’m here to say Rocky Mountain has been great. I’ve had to make a few claims over the past year, and every time they’ve been really efficient and easy to work with. No any issues with billing or payments either – everything has been really transparent and straightforward.
Great coverage and customer service!
I’ve been blown away by the level of customer service and coverage provided by Rocky Mountain Health Plans. They really go above and beyond to make sure their members are taken care of. I recently had to deal with a complicated medical issue, and they were there every step of the way to help me navigate the system and get the care I needed. Can’t recommend them highly enough!
Decent coverage, but customer service needs attention.
The coverage is pretty good, but I have had some issues with customer service. Basically some long wait times, and sometiems I have to get transferred three or four times before someone knows how to resolve an issue.
There have been a few times when I’ve had trouble getting in touch with someone or getting my questions answered in a timely manner.