Colorado runs on small business. We help owners compare the group health plans actually available to their team, explain the trade-offs in plain English, and handle enrollment, at zero cost to you.
A licensed broker will contact you within 1 business hour with your personalized group health options.
Need it faster? Call us directly:
(863) 270-9820
We price the same three funding models big benefits teams evaluate, built for teams of 1 to 50.
No long process and no cost to you. Most Colorado groups go from census to quotes in days.
Ages and ZIP codes for whoever would enroll. No medical history required up front, and asking for a quote commits you to nothing.
We price the fully-insured plans open to your group in Colorado against level-funded and ICHRA alternatives, then show you the trade-offs in plain numbers.
Once you choose, we handle onboarding, answer your employees' questions directly, and come back every year to re-shop the renewal instead of rubber-stamping it.
Insurance is regulated state by state, so the honest answer to "what will this cost" always starts local.
Colorado runs its own state-based exchange, Connect for Health Colorado, rather than Healthcare.gov. Colorado also has its own standardized plan requirements, so plan design here is not identical to neighbouring states.
Colorado expanded Medicaid, covering adults up to roughly 138% of the federal poverty level through Health First Colorado.
Colorado is one of the most actively managed insurance markets in the country: the state requires standardized plan options and runs a reinsurance program that holds down premiums, with the largest effect in high-cost mountain regions.
If your employees are spread between the Front Range and the mountain resort counties, expect meaningfully different pricing across your own roster. Colorado's reinsurance program was built specifically to narrow that gap, and it makes rating-area detail worth getting right on the census.
Carriers file rates by rating area, so the same plan prices differently across Denver, Colorado Springs, Boulder, and Fort Collins. If your team is spread out, that spread shows up inside your own quote, and it is worth getting the census right.
Shopping for yourself rather than a team? Our Colorado individual and self-employed guide covers marketplace, off-exchange, and underwritten options.
These are not interchangeable, and the right one depends on your census. We quote all three.
One fixed premium, guaranteed issue for 1 to 50 employees, and no one on your team can be turned down for health reasons. The safest choice when you want certainty and a benefit that recruits.
Your monthly payment covers administration, stop-loss protection, and a claims fund sized to your group. Come in under expectations and part of that fund can come back to the business.
Instead of buying a plan, you fund a defined monthly allowance and employees choose their own coverage. Your budget is fixed by design and there are no participation minimums to hit.
A few of the industries that come to us most often here, and what tends to drive the decision in each.
Denver and Boulder software companies hire young technical teams, the census profile that level-funded plans price best.
How we approach it: We price fully insured against level funded on the real census, and say plainly which the roster supports.
Colorado's gear brands, guides, and outfitters have seasonal staffing patterns that make participation planning worth doing deliberately.
How we approach it: We quote every structure that could fit and spell out the trade-off in each rather than leading with one product.
Front Range growth keeps builders hiring, often with crews working between Denver pricing and mountain-county pricing.
How we approach it: We start by sorting who is actually eligible, then price only the structures that survive that answer.
Denver's consultancies and engineering firms compete for senior talent against national employers.
How we approach it: We model the options side by side and tell you which one we would choose if it were our own payroll.
The questions Colorado owners actually ask us first.
One short form and a simple census is all we need. You'll get a real comparison across structures, at no cost, with no obligation to move.
Get My Free Quote → Or call (863) 270-9820