If you’re looking for ACA Marketplace or Medicare Advantage coverage in Colorado, two key insurers you’re likely comparing are Rocky Mountain Health Plans (RMHP) and Cigna. While both companies offer affordable individual and family coverage, their approach, provider access, and plan benefits differ in ways that may impact your health and your wallet.
This 2025 comparison of Rocky Mountain Health Plans vs Cigna Colorado explores differences in plan structure, provider networks, premiums, virtual care, and overall member satisfaction—to help you choose the right coverage for your healthcare needs in the Centennial State.
Company Overview
Rocky Mountain Health Plans (RMHP)
Founded in Colorado and now part of UnitedHealthcare, RMHP is a nonprofit health insurance provider focused on serving rural and Western Colorado. It offers ACA Marketplace, Medicare Advantage, and Medicaid plans, with a mission centered around local care access and affordability.
Key Highlights:
- Strong presence in Western and rural Colorado counties
- Offers Individual & Family ACA plans, Medicare Advantage, and Medicaid
- Known for community-based care and provider collaboration
- Backed by UnitedHealthcare’s infrastructure
Cigna Colorado
Cigna Healthcare is a global health insurer offering a range of plans nationwide, including ACA Marketplace plans in Colorado. Cigna is known for its virtual care, preventive wellness programs, and competitive Silver plans in urban counties.
Key Highlights:
- ACA plans available in urban and suburban Colorado regions
- Focus on affordability, preventive care, and virtual access
- Offers dental and vision add-ons, wellness incentives, and virtual-first options
- National pharmacy and provider partnerships
Coverage Area & Plan Types (Colorado, 2025)
| Feature | Rocky Mountain Health Plans | Cigna Colorado |
| Coverage Area | Primarily rural and Western CO | Urban/suburban counties (Denver, Boulder) |
| ACA Marketplace Plans | Yes (through Connect for Health CO) | Yes (through Connect for Health CO) |
| Medicare Advantage | Yes (RMHP Medicare Advantage HMO) | No Medicare Advantage in CO |
| Medicaid Plans | Yes (in CO counties) | No |
| Employer/Group Plans | Limited | Yes – national employer plans |
Verdict: RMHP is ideal for rural Coloradans, while Cigna offers stronger ACA presence in Colorado’s metro areas.
ACA Marketplace Plan Comparison (2025)
| Category | RMHP (ACA Plans) | Cigna Colorado (ACA Plans) |
| Plan Types | Bronze, Silver, Gold | Bronze, Silver, Gold |
| Monthly Premiums | $0 – $500 (after subsidies) | $0 – $475 (after subsidies) |
| Deductibles | $1,200 – $7,500 | $1,000 – $7,000 |
| Out-of-Pocket Max | $5,000 – $9,450 | $4,500 – $9,100 |
| Virtual Care | 24/7 via telehealth (via UHC) | 24/7 MDLIVE included |
| Mental Health Coverage | Yes – in-network specialists | Yes – virtual and in-person covered |
| Dental/Vision (Adult) | Add-ons available | Add-ons available |
Verdict: Both providers offer similar pricing and tier options, but Cigna offers stronger virtual-first care, while RMHP is more personalized in rural regions.
Medicare Advantage in Colorado
| Feature | Rocky Mountain Health Plans | Cigna Colorado |
| Plan Types | HMO, D-SNP | Not available in Colorado (2025) |
| Prescription Drug Coverage | Included in most MAPD plans | N/A |
| Dental, Vision, Hearing | Included with many plans | N/A |
| OTC/Grocery Benefits | Yes (select plans) | N/A |
| CMS Star Ratings (2024) | 4.0 – 4.5 stars | N/A |
Verdict: RMHP offers Medicare Advantage plans in rural Colorado with strong ratings. Cigna does not currently offer Medicare Advantage plans in Colorado (as of 2025).
Provider Networks & Access
| Category | RMHP | Cigna Colorado |
| Network Type | HMO & EPO (local/regional providers) | EPO (virtual-first and in-network only) |
| Primary Care Access | Strong in Western CO | Strong in urban areas like Denver/Boulder |
| Specialist Access | Referral required for HMO | No referral needed in most plans |
| Out-of-Network Coverage | Limited | Not covered (EPO only) |
Verdict: RMHP offers regional expertise in rural provider access, while Cigna focuses on urban in-network care with virtual options.
Member Services & Digital Tools
| Feature | RMHP (via UHC platforms) | Cigna Colorado |
| Mobile App | Yes – myUHC app | Yes – Cigna App with Rx tracking & support |
| Telehealth Services | Yes (via UHC virtual care) | Yes (24/7 with MDLIVE) |
| Mental Health Tools | Yes – virtual therapy included | Yes – behavioral health virtual sessions |
| Wellness Programs | Limited | Yes – wellness rewards in select plans |
Verdict: Cigna leads in digital health tools and wellness engagement, while RMHP benefits from UHC infrastructure for virtual care.
Pros and Cons
Rocky Mountain Health Plans
Pros:
- Strong coverage in rural and underserved Colorado counties
- Offers Medicare Advantage and Medicaid
- Personalized, community-based care coordination
- Backed by UnitedHealthcare resources
Cons:
- Not available in metro counties
- HMO structure limits out-of-network access
Cigna Colorado
Pros:
- Competitive ACA pricing in urban/suburban regions
- Excellent virtual care and digital tools
- Easy-to-use EPO network with no referrals
- Strong preventive and behavioral health features
Cons:
- No Medicare Advantage plans in Colorado (2025)
- Not ideal for rural residents needing local provider access
Which Should You Choose?
Choose Rocky Mountain Health Plans if:
- You live in Western or rural Colorado
- You need access to local doctors and hospitals
- You’re eligible for Medicare Advantage or Medicaid
- You want care backed by UnitedHealthcare’s network
Choose Cigna Colorado if:
- You live in Denver, Boulder, Colorado Springs, or suburbs
- You want virtual-first care and digital convenience
- You need affordable ACA plans with no referral hassles
- You prioritize mental health and wellness programs
Both Rocky Mountain Health Plans and Cigna Colorado offer solid ACA coverage in 2025, but they serve different regions and healthcare needs. RMHP is the go-to choice for rural residents needing localized, community-based care, while Cigna is ideal for urban Coloradans seeking digital access, preventive support, and simplified EPO networks.
Before enrolling:
- Compare plans on ConnectForHealthCO.com
- Check provider directories in your area
- Review subsidies and available plan benefits