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Anthem Blue Cross Blue Shield Individual & Family Health Insurance

Anthem Blue Cross Blue Shield of Colorado ACA Plans

Colorado’s largest health insurer, Anthem Blue Cross Blue Shield offers affordable plan options for individuals, families, and the self-employed in 2025.  Anthem has 3 networks and offers coverage in every county in Colorado.

Anthem Blue Cross Blue Shield has 3 referral-free networks: 

  • Pathway: All counties statewide
  • Pathway Essential: Adams, Arapahoe, Boulder, Broomfield, Clear Creek, Denver, Douglas, Elbert, Gilpin, Jefferson and Park counties
  • Mountain Enhanced: Archuleta, Eagle, La Plata, Mesa, Moffat, Montezuma, Rio Blanco, Routt and Summit counties

Anthem’s Pathway, Pathway Essential and Mountain Enhanced networks in Colorado designate a primary care doctor, but referrals are not required to see other in-network doctors and you are not limited to the designated primary care provider.

Out of State Benefits – Medically necessary emergency and urgent care are covered, as per the policy, in all 50 states and worldwide via the national BlueCard program and internationally through the Blue Cross Blue Shield Global Core® program.

Anthem’s 2025 Affordable Care Act (ACA) compliant plan options include plan options with doctor copays, many $0 prescription copays and much more.