Compare Colorado Health Insurance Options

Colorado health insurance companiesThere’s no upside to searching for a Colorado health insurance policy on your own. The premium is the same whether you use a broker or not. We can help you find the right plan either through the exchange (Connect for Health Colorado). Or you can choose from one of the carriers offering ACA compliant plans outside the exchange. We’ve been working with health insurance in Colorado since 2002.
Have us help you figure out whether on- or off-exchange is a better option for your situation. There’s more to it than just subsidies. Once you decide on a plan, we complete the application process for you. Once you have a plan in place, we can also help you with any issues that arise. We serve as a go-between for you, the Enjoying a Colorado Rockies gameinsurance carrier, and Connect for Health Colorado.

Stable Colorado Health Insurance Companies

Trust our 15 years of experience with each of these stable and reputable health insurance companies in Colorado:

Customize Your Health Insurance Coverage

A lot has changed in Colorado’s individual health insurance market in the past few years. Most importantly, the Affordable Care Act has reformed the market and added numerous consumer protections. Therefore, it’s also changed everything about the way people shop for health insurance. All health insurance in Colorado covers in-network mandated preventive/wellness care before the deductible, even high deductible HSA health insurance plans.

As a result, open enrollment is a big part of the equation now. Consequently, individual health insurance now mirrors group coverage in that it’s only available during an annual open enrollment window. After open enrollment, you’ll only be able to get an individual plan in 2018 if you have a qualifying event. Examples include loss of coverage, birth, marriage, etc.

Most noteworthy, applications are now limited to open enrollment period. This is because all major medical policies are now guaranteed issue. Pre-existing conditions are no longer a barrier to enrollment because medical history is not used to determine eligibility. As a result, there is excellent news for anyone who has struggled to get a plan in the private market in the past. These changes are helping to encourage entrepreneurs to follow their dreams. Now they know they can obtain health insurance in the individual market regardless of their medical history.

Qualifying for Subsidies or Tax Credits

People with incomes up to 400% of poverty level qualify for advance premium tax credits (otherwise known as subsidies). This equates to $100,400 per year for a family of four. The family is not allowed have access to employer-sponsored coverage. Tax credits are paid directly to the Colorado health insurance carrier. As a result, you’ll reduce the amount you have to pay in premiums each month.

Staying informed and current on the ever-evolving reform process is our focus. We aim to provide you with accurate information and up-to-date advice. There is never a charge for our services. We look forward to helping you find the best coverage for your needs.