Do Your Employees Understand and Appreciate What You Do For Them?

What your employees don't understand about the health insurance benefits you provide can hinder your ability to attract and retain the employees you need to compete with other Colorado businesses in your field. We work with business groups with as few as 3 employees to large companies with thousands of employees. Our thorough health benefits communications allow your employees to not only understand their benefit package, but appreciate the contributions your business makes for them and their family. Best of all, we take care of the enrollment communication and enrollment specifics for you.

<< Benefits Statements, like the one to the left, give your employees a detailed overview of the benefits you contribute to or provide, so your employees will see the true value of their benefits package, their "hidden paycheck". In addition to the Colorado health insurance, disability, and other benefits you choose to provide, they'll also see the dollar amounts that apply to additional benefits such as vacation days, parking passes, or a paid uniform program.

Our local, Colorado based brokers will meet individually with your employees to review the available benefits in a way they can easily understand, go over their own personal benefit options, and enroll them through our convenient laptop based system. But if you have employees spread out across the country or your business isn't based in Colorado, we have a network of associates nationwide that can help employees in any state. If you have employees with special needs, we'll be able to service them just as easily. We have Spanish-speaking associates to communicate with employees that don't speak English, as well as Spanish-language sales literature and service forms. For hearing impaired employees, we have access to a telecommunications for the deaf telephone line to make communication for these clients more comfortable.

Colorado Health Insurance Experts

<<Personal Salary Illustrations, like this one, outline the employees' group benefit package selections and how each selection affects their paycheck. This way there aren't any surprises or confusion for you to deal with later on when the deductions are made for the Colorado group health insurance and other benefits. And our online benefits library reduces the number of questions employees ask from Human Resources.

From Small Group to Large Group, HSAs and HRAs

There are many options in Colorado group and self-employed health insurance. (Have us compare your best group health insurance options now!) There are also many different laws that govern these types of employer sponsored business health insurance and they are changing all of the time. These types of health insurance are often easier to qualify for even if your employees' health may not be perfect. However, there are many restrictions and laws that detail who qualifies. By using Insurance Shoppers to find your group health insurance policy in Colorado, you can concentrate on what you do best while we do what we know best. We understand the complex and ever changing group health insurance laws in Colorado, the benefits and drawbacks of each group health insurance company, and the tax implications of each plan.

HSA's - A Twist on Group Health Insurance in Colorado

Health Savings Accounts (HSA's) are a new, federally authorized, healthcare financing account, available to any Colorado groups with a qualified high deductible health insurance plan. Save on insurance premiums, then use the savings from the reduced premiums to help fund your employees' health savings accounts, or give them the option to fund it. Both the business and employee can fund an employees' HSA. The money in the account can go toward a large list of legitimate medical expenses. If your Colorado employees remain relatively healthy, money in their health savings account can accumulate, tax free, to literally hundreds of thousands of dollars by the time they retire. Those savings would have normally gone to the Colorado health insurance company. See if an HSA is right for your business.

Self-Employed Health Insurance in Colorado

The self-employed have a couple different options for health insurance in Colorado. The choice will mainly depend on the health of the self-employed individual and their family. A policy that cannot decline them (within 30 days of their birthday) will cost much more than an individual policy. Please feel free to call us toll free at (720)352-7561 in the Denver metro area or (866)747-7913 Toll Free anywhere else in Colorado. You can also e-mail us anytime at with any questions.

Although located in Broomfield Colorado (between Denver and Boulder), we are currently licensed in Colorado, Kansas, Missouri, and Texas. And we have local brokers in each of those states able to meet with your employees to discuss the benefits you're providing them and explain their options.

Get a Free Health Insurance Quote for Your Small or Large Business

Business groups with just 3 or more employees participating in the benefit plan can fill out our Colorado group health insurance census form. We can find you the best rates and coverage for your business. Businesses with 3 or more enrolling employees will have the benefit of "Benefits Statements" and "Personal Salary Illustrations" described in the tabs above.

For self-employed people in Colorado that cannot qualify for an individual/family health insurance plan due to health conditions as well as groups of 2, we can help you pick out a Business Group of One plan, apply and get through underwriting. These groups are too small to qualify for the "Benefits Statements" and "Personal Salary Illustrations".

Colorado Group Health Insurance Law

Group health insurance companies in Colorado must make the same health insurance available to small groups, between 2 and 50. However, your company must meet minimum participation requirements set by the insurance company. If you don't meet the minimum level of participation your health insurance company requires, you may not qualify or your policy may be terminated. Group health insurance companies in Colorado may also charge higher premiums for a small business health insurance policy due to the group's age, family size, geographic location and (contrary to popular belief) the group's health status.