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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!

Colorado Health Insurance Companies 2021View 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 Healthcare, Cigna, Friday Health, Kaiser, Oscar, 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.

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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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2023 Health Insurance Premiums Going UpJuly 28th, 2022 – This week the Colorado Division of Insurance released preliminary rate filings from individual health insurance market carriers for 2023.  In this period of inflation, few will be surprised that health insurance premiums are going up next year.

The requested rate increase in the individual health insurance market will average 11.3% more than the 2022 insurance premiums.  While this is a hefty increase, without Colorado’s reinsurance program the increase would have been a whopping 34% increase, so thank goodness for our reinsurance program.  Final rates for the new year are not expected until this Fall.

In the small group market, premiums for most fully insured employer sponsored health insurance plans are expected to increase statewide by an average of 9.2%.

The two individual health insurance carriers with the lowest rates in 2022 (Friday Health and Bright Health) requested the largest increases in 2023.  Anthem had the lowest rate increase of the major carriers, followed by Cigna.  Kaiser requested no rate increase, though their rates were fairly high in 2022.  Oscar has left Colorado, starting in 2023. In short, it looks like the playing ground will be leveled out among the carriers, so that means consumers will be able to focus more on breadth of network and plan design, more so than price.

New to Colorado in 2023 will be the Colorado Option, which requires standardized plans to be offered by both small group and individual health insurance companies. Standardized plans help consumers make “apples to apples’ comparisons between different carriers, since the benefits are identical.  Customer service, networks and price will be the major differences.  

Colorado Option plans must be priced 5% less than what they charged for plans in 2021. How they’ll pull that off with the inflation that caused healthcare costs to increase in 2022 remains to be seen.  Colorado Option plans will be available both through the Connect for Health Colorado marketplace and carrier direct. 

If the Colorado Option’s pricing doesn’t meet the 5% price reduction goal the DOI can hold public hearings and mandate lower hospital prices to reduce costs.