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Guaranteed Lowest Rates on Health Insurance in ColoradoColorado Health Insurance Brokers is the #1 resource for personal service, 2015 health insurance quotes and side by side benefit comparisons of the most popular plans from Colorado’s top health insurance companies.

Colorado Health Insurance Brokers is fully certified on Colorado’s exchange and are your local experts on ObamaCare plans.  Our experienced agents will help you find the plan that’s right for you.  And there is absolutely no charge or mark up for our services.

Colorado Health Insurance Brokers works with every major health insurance company in Colorado providing you with more local carriers and plan options than e-healthinsurance!

Colorado Health Insurance Companies

View instant online quotes or fill out a free expert quote recommendation request and Colorado Health Insurance Brokers will personally review plans from Colorado’s top rated health insurance carriers like Anthem Blue Cross Blue Shield, Cigna, Colorado HealthOP, Humana, Kaiser, Rocky Mountain Health Plans, United Healthcare and many more.  We’ll work to help you find the right plan at the guaranteed best price.

Our services are provided at NO COST or mark up to our clients, so Colorado Health Insurance Brokers Saves You Time AND Money!  We can help you during the 2015 open enrollment season or get coverage with a qualifying event during a special enrollment period.

Health Insurance Solutions for Individuals, Families & Small Businesses
It is our personal service and understanding of the Colorado health insurance market that our hundreds of satisfied customers value most. Whether you are a small business owner wanting to set up an employer sponsored group health insurance plan or an individual wanting to get coverage for yourself or your family, we want to learn about your personal situation and your likes and dislikes so we can help you find the exact right plan, as well as any tax subsidies you might be eligible for.

Right Now is a Great Time to Shop and Save
Under the Affordable Care Act (ACA or ObamaCare), health insurers must insure everyone regardless of pre-existing conditions and most Americans are required by law to have health insurance or be subject to escalating tax penalties.

Customer Satisfaction is Our Number One Priority
Colorado Health Insurance Brokers are independent local brokers which means that making YOU happy is our only objective.  Get an instant quote or allow us to research your options and email you a custom personalized quote, so you can review your health insurance quotes at your convenience. Or give us a call for a free Colorado health insurance quote: (303) 456-7967 or toll free at (800) 416-4481.

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January 2nd, 2015 – The new year will bring some new tax forms to your mailbox.  Since the Affordable Care Act (ObamaCare) requires most Americans to have health insurance, some of these forms will serve as your proof of compliance, so you can avoid tax penalties and other forms are just for people eligible for tax credits.

IRS Form 1095For the 2014 tax year, if you had health insurance plan purchased through Connect for Health Colorado, they will send you IRS Form 1095-A.  If you had qualified health insurance purchased directly from the insurer (off-exchange) you will be getting IRS Form 1095-B from your insurer. If you receive health insurance through an employer, Medicare or Medicaid then you’ll get IRS Form 1095-C.  Be sure to hang onto the 1095 form and give it to your tax professional.  There shouldn’t be any penalties, premium tax credits or return of exchange subsidies, provided you had health insurance for all of 2014 or had a lapse of 90 days or less.

IRS Form 8962If you got your health insurance through a health insurance exchange like Connect for Health Colorado, you’ll receive IRS Form 8962 for your Premium Tax Credit. If you applied for an Advance Premium Tax Credit, you provided estimates of your 2014 income which was the basis for determining your Advance Premium Tax Credit.  IRS Form 8962 reconciles the estimated income & tax credit against your actual income & tax credit and will yield one of three results.

  1. A tax liability because the advanced credit was greater than the actual premium tax credit.
  2. A tax credit because the advanced credit was less than the actual premium tax credit.
  3. No tax liability or credit for those who used Connect for Health Colorado but didn’t get an advanced credit.

The information from IRS Forms 1095 or 8962 will then be used to complete your Federal 1040 form.   Don’t forget that it’s your responsibility to report significant changes in income to Connect for Health Colorado.  This can help prevent any surprises when it comes time to filing your federal returns.

Penalties for Non-Compliance

The Affordable Care Act’s Shared Responsibility provisions require most people to have health insurance or pay an escalating tax penalty. Starting in 2014, most people without qualifying health coverage must pay a tax penalty, either a flat rate or a percentage of your household income, whichever is greater.

In 2014, the charge for not having health insurance was be $95/person or 1 percent of household income, whichever is larger. Federal officials say the penalties for not having health insurance in 2014 will be capped at $2,448 per person and $12,240 for a family of five. The amount is equal to the national average annual premium for a bronze-level health plan.  This year, the penalties increase to $325/person or 2% of household income for the 2015 tax year.