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.
If you’re under 30 years old, or over 30 years old but also over 400% of Federal Poverty Level and don’t qualify for a tax credit or subsidy, find out more about catastrophic plans.
Colorado’s Health Insurance Companies
With over 23 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 evolved significantly in the last decade. 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 and vision coverage. Even high-deductible HSA plans include these benefits.
Individual health insurance works a lot like job-based coverage: you can only sign up during open enrollment each year, unless you qualify for a special enrollment period, such as losing other coverage, getting married, or having a baby.
All major medical plans are guaranteed issue, meaning your medical history doesn’t affect your eligibility. There are no health questions, no denials, and no exclusions for pre-existing conditions. That’s opened the door for more Coloradans, especially freelancers, small business owners, and early retirees, to get comprehensive coverage without fear of being turned away.
What Has Changed with Subsidies in 2026?
If you’ve had financial help with your premiums in the past few years, things may look different in 2026.
The temporary federal rules that expanded subsidies and removed the income cap have now expired. That means premium tax credits are once again tied to your income and household size, and if you earn above a certain level, you may no longer qualify for help.
As of 2026, you’ll only receive a subsidy if the cost of the benchmark Silver plan in your area exceeds a certain percentage of your income. For some higher-income households, this could result in a much higher monthly premium than in previous years.
We’ll walk you through what you qualify for, and help you weigh your options if you no longer receive a subsidy.
What If You Have Access to Employer Coverage?
To qualify for a premium tax credit, you can’t have access to affordable, comprehensive coverage through an employer, either your own job or a family member’s.
Starting in 2023, a long-standing problem known as the “family glitch” was finally resolved. Now, affordability is determined separately for the employee and the rest of the household. That means your spouse and kids might still be eligible for subsidies on a private plan, even if your own coverage through work is considered affordable.
Not sure where you stand? 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.
