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

For companies with 2 or more employees, business health insurance is very competitively priced, so work with one of our business health insurance experts to help you find the best plan for your company’s and employees’ needs. Colorado Health Insurance Brokers places business for all of Colorado’s major health insurance carriers and at NO EXTRA Cost whether your company has 2 to 99 employees.

New!  Get quotes on faith based healthcare cost sharing plans. These plans are NOT health insurance, but for healthy Coloradans who can no longer afford traditional health insurance, cost sharing plans can reward healthy lifestyles with substantially lower monthly costs. Get a cost sharing plan quote today!

For your traditional health insurance needs, Colorado Health Insurance Brokers are certified producers of Connect for Health Colorado and our experienced local agents will help you find the ACA compliant health insurance 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 CompaniesView 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, Bright Health, Cigna, Friday Health, Kaiser, Rocky Mountain Health Plans, United Healthcare and 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 next 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 still 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 and ask about our guarantee details.

June 17th, 2019 – A federal ruling stemming from President Trump’s Executive Order changed how companies can pay for medical benefits for employees. Under the new rule, employers will now be allowed to provide their employees with a fixed amount of money each year in a tax-preferred “Individual Coverage HRA” that the employee can use to buy coverage in the individual market. 

Beginning Jan. 1, 2020, employers can offer Individual Coverage HRAs to provide tax-exempt dollars to their employees for the purchase of Affordable Care Act compliant individual coverage. 

Under the new rule:

  • Employees can use Individual Coverage HRAs funds to pay the premium for individual insurance coverage purchased either on or off the public Marketplace.
  • Employers can offer their employees either a group health plan or an Individual Coverage HRA, but not both.
    • Offering an Individual Coverage HRA will satisfy the Section 4980H Employer Mandate, if it meets the affordability threshold.
    • Employees can opt out of an Individual Coverage HRA if they are eligible for premium tax credits on the public Marketplace.
  • Employers must provide a written notice to employees at least 90 days prior to the start of the plan year that details the terms of the Individual Coverage HRA. Here is an early version of a model notice.
  • Employers will have to make decisions about what to offer with respect to entire classes of workers (not individual workers). Classes based on full- or part-time status, geography, or salaried or hourly status are only permissible in cases where the resulting employer group is of sufficient size, generally the smaller of 20 employees or 10 percent of the workforce.

The new ruling on HRA’s provides a cost affordable option for businesses that do not offer a group health insurance plan, but want to help offset employees medical expenses. By providing tax advantaged assistance with their benefits, this can help attract and retain employees.