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Guaranteed Lowest Rates on Health Insurance in ColoradoColorado Health Insurance Brokers is the premier resource for personal service, 2017 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 are certified producers of Connect for Health Colorado and our experienced local 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 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, Cigna, Humana, 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 2017 open enrollment season or get coverage with a qualifying event during a special enrollment period.

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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.

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September 7th, 2017 – The good news is that Colorado still has insurance companies offering plans in every county in Colorado.  Anthem Blue Cross Blue Shield recently announced that it plans to continue to offer health insurance statewide. In many rural counties, Anthem is the only carrier offering coverage in 2018.

The news that consumers will be less excited about is that the health insurance premiums will increase an average of 26.7% across Colorado.  Yesterday, the Colorado Division of Insurance released the final premiums for 2018.

2018 will have the same carriers as 2017, although Cigna is ending it’s Vantage plans. The carriers offering individual plans in 2018 include: Anthem Blue Cross Blue Shield, Bright Health Insurance, Cigna, Denver Health, Friday Health Plans (formerly Colorado Choice), Kaiser  and Rocky Mountain HMO.

Cigna requested a premium increase of 41.2%, but the Division of Insurance approved a 30.9% increase.

Interestingly, Bright Health requested an increase of 15%, but the DOI approved a 27.4% increase. While this may not make sense at first glance, the DOI is helping to make sure that Bight Health has a successful Sophomore year in Colorado. Just a couple years ago, Colorado HealthOP set rates too aggressively for their second year and didn’t have the financial resources to handle all the claims and continue in business for a third year.  The DOI’s approved rate increase for Bright Health should keep the company on solid ground for the long run.

Those eligible for federal tax credits will get government help to offset the rate increases.  It’s unclear if the Cost Sharing Reductions will continue to be funded in 2018, so we’ll be carefully watching to see what President Trump does with those. If the Cost Sharing Reductions aren’t funded, we can expect more big rate increases in the future, so this is something to keep an eye on, along with other bipartisan healthcare reforms being proposed.

Open enrollment for 2018 re-opens on November 1st, 2017 and runs through January 18th, 2018.  However, to get a January 1st start date on a new policy, enrollments should be completed by December 15th.   Colorado Health Insurance Brokers is ready to assist consumers, if they get their insurance directly from carriers or through Connect for Health Colorado and at absolutely no extra cost to consumers.