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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.

Colorado Health Insurance Brokers are certified producers of Connect for Health Colorado and our experienced agents can help individuals and families find the ACA compliant health insurance plan that’s right for their individual needs.  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!

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, Friday Health, Kaiser, Humana, 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.

Family Glitch Fixed In Time For 2023 Open EnrollmentOctober 25th, 2022 – Thanks to a new federal rule, the “Family Glitch” issue that plagued the Affordable Care Act since 2014 is finally fixed. 

The family glitch was a situation where tax credits were based upon affordability of employee-only premiums.  However, while employers are often generous with how much they pay for employee premiums, many employers pay substantially less for spouse and dependents.  Even if a company paid nothing for spouse and/or children, those family members were not be eligible for any federal tax credits that reduce the premiums on individual health insurance plans sourced through Connect for Health Colorado. 

For many lower and middle income families, this often meant that families could not afford to insure their non-employee family members through the employees work OR through the marketplace. 

In 2022, affordable coverage was defined as employee only coverage costing no more than 9.61% of household income. 

In 2023, affordable coverage is defined as coverage for employee and family members costing no more than 9.12% of household income. Additionally, there will be a separate affordability determination for the employee (based on self-only coverage), and for family members (based on the total cost of family coverage). 

So, depending on how an employer subsidizes the cost of family coverage, it’s possible that coverage could be considered affordable for the employee, but not for family members. In that case, the family members would potentially be eligible for a premium tax credit in the marketplace, but the employee would not.

However, the cost to cover non-dependent family members will not be taken into consideration. So for example, young adults can remain on a parent’s health plan until they turn 26, but are generally not considered a tax dependent for the last few years of that window.