Whether you’re exploring plans through Connect for Health Colorado or browsing on your own, the cost of health insurance is exactly the same with or without a broker. We’re paid by the insurance companies, not by you. The Colorado Division of Insurance requires that premiums be identical no matter how you sign up.
Why not have someone in your corner? We make it easier. At no cost to you.
Contact us to walk you through your options, compare plans both on and off the exchange, and help you find one that actually fits. Not just on paper, but in real life. We’ve been helping Coloradans navigate health insurance since 2002.
And we don’t disappear once you’re enrolled. We’re here year-round to help with billing issues, claims questions, or anything else that pops up.
Because picking a plan isn’t just about premiums or tax credits. It’s about making sure your doctors are covered, your prescriptions are affordable, and your care makes sense for the way you live.
Colorado’s Health Insurance Companies
With over 22 years of experience, we work directly with the most stable, established health insurance companies in Colorado, including:
- Anthem Blue Cross and Blue Shield of Colorado
- Cigna
- Elevate by Denver Health Medical Plan
- Humana
- Kaiser Permanente
- Rocky Mountain Health Plans/United Healthcare
- Select Health
- United HealthCare
Customize Your Colorado Health Insurance Coverage
Health Coverage That Fits Your Life
Colorado’s health insurance market has changed a lot in recent years. Thanks to the Affordable Care Act (ACA), every plan now includes essential protections; like free preventive care, coverage for pre-existing conditions, and built-in pediatric dental insurance. Even high-deductible HSA plans include these benefits.
One of the biggest shifts? Timing. Just like job-based insurance, individual plans are only available during open enrollment, unless you qualify for a special enrollment period (like losing other coverage, getting married, or having a baby).
The good news: your medical history no longer affects your ability to get covered. All major medical plans are now guaranteed issue, which means anyone can enroll during open enrollment; no medical underwriting, no denials. That’s made it possible for more Coloradans, including entrepreneurs and freelancers, to get the coverage they need without fear of being turned away.
Do You Qualify for a Health Insurance Subsidy in Colorado?
Based on your household income, you may be eligible for an advance premium tax credit (APTC), often called a subsidy, to help lower your monthly premium. These tax credits go straight to the insurance company, so you pay less up front.
Thanks to the American Rescue Plan and Inflation Reduction Act, there’s no income cap on subsidies through the end of 2025. If the cost of a benchmark Silver plan exceeds 8.5% of your income, you may qualify, no matter how much you earn. If your income is very low, you may qualify for Medicaid through the state. But for most Coloradans who earn above the Medicaid threshold, subsidies are available to lower the cost of private health insurance, and we can help you find a plan that fits.
Good News: The Family Glitch Has Been Fixed
Before 2023, families couldn’t get subsidies if an employer offered coverage that was only affordable for the employee, even if it was too expensive to add the whole family. That was called the “family glitch.”
Now, the rules have changed. The exchange will check affordability separately for the employee and the family. If your employer plan is affordable for you but not your spouse or kids, they may still qualify for subsidies. We can help you figure it out.
Small Business Health Insurance Options in Colorado
If your business has at least two W-2 employees, you can offer a small group health insurance plan. These plans include options like PPO networks, which aren’t available in the individual market. They also often come with perks like dental with no waiting period.
Want to Reimburse Employees Instead?
Group plans can be pricey. With an ICHRA (Individual Coverage Health Reimbursement Arrangement), you can reimburse your employees for their own individual plans, typically at a lower cost to the business. We can help you set it up.
Pair a High-Deductible Plan with Accident Coverage
Healthy and want coverage in case of a major accident? An accident insurance supplement can give you peace of mind while keeping premiums low. These pair especially well with HSA-qualified high-deductible plans.
