Marketplace + off-Marketplace
Individual & Family Health Insurance in Colorado
- Local Colorado brokers (Broomfield office, statewide service)
- Help with Marketplace (Connect for Health Colorado) and off-Marketplace plans
- Side-by-side comparisons: doctors, prescriptions, networks, total cost
- Enrollment guidance (Open Enrollment vs Special Enrollment)
- Support after you enroll (questions, changes, renewals)
Start here
Choose what best describes your situation
Self-employed or 1099
Between jobs / lost coverage
Family coverage
Under 30 / low monthly premium
Your main options (simplified)
Option 1: Marketplace (Connect for Health Colorado)
Option 2: Off-Marketplace (ACA-compliant) plans
Colorado Option plans (what they are)
Colorado Option plans are standardized plan designs intended to make benefits and cost-sharing easier to compare.
- Benefits and cost-sharing are standardized within each metal tier
- You can compare options more easily across participating companies
- Plan availability varies by county and year
Bronze vs Silver vs Gold: how to choose
Plain-English guide
- Bronze: lower monthly premium, higher cost when you use care
- Silver: balance of premium and cost-sharing (may matter for certain savings programs)
- Gold: higher premium, lower cost when you use care
What we help you estimate
- Total annual cost (premium + deductible + likely copays)
- Best-fit network for your doctors
- Prescription coverage at your preferred pharmacy
Enrollment timing: can I enroll right now?
Open Enrollment (Marketplace)
Special Enrollment
Health First Colorado (Medicaid)
Special Enrollment: what qualifies?
Examples of qualifying life events
- Loss of job-based coverage
- Marriage or divorce
- Birth or adoption
- Moving to a new county or state
- Certain income changes that affect eligibility
What we do
- Confirm whether you likely qualify for Special Enrollment
- Help you gather the right documents
- Compare plan options based on your needs
Self-employed coverage (1099 / small business owners)
Common goals
- Keep monthly costs predictable
- Maintain access to preferred doctors
- Choose prescription coverage that fits your needs
What we compare
- Marketplace vs off-Marketplace options
- Network structure (HMO/PPO) and referrals
- Total annual cost, not just monthly premium
Some self-employed clients also want guidance on how coverage fits their overall financial plan. We'll explain options clearly and recommend you confirm tax questions with a qualified tax professional.
Family coverage: choosing a plan that actually works
- Household needs (primary care, specialists, expected usage)
- Pediatric benefits and provider access (as applicable)
- Prescription needs for the whole household
- Total cost exposure (deductible + out-of-pocket max)
Catastrophic (CYA) plans: low premium, very high deductible
For individuals under 30, or those who qualify for certain exemptions.
- Catastrophic plans can lower monthly premiums but may have very high out-of-pocket costs when you use care
- Marketplace financial help typically cannot be applied to Catastrophic plans
What to have ready for your consult
- Zip code and county
- Doctors you want to keep
- Prescriptions + dosages
- Preferred pharmacies
- Household size (who needs coverage)
- A general estimate of household income (to check eligibility for programs)
- Your timeline (need coverage now vs planning ahead)
How it works
- 1
Quick consult
We learn your needs, timeline, and priorities. - 2
Compare plans
We check networks, prescriptions, and total cost tradeoffs. - 3
Enroll
We help you complete enrollment and confirm what to expect next. - 4
Support after enrollment
Questions, changes, renewals: we're here when you need help.
Related services and resources
Helpful resources
Family health insurance plans in Colorado
Health insurance for self-employed
Catastrophic health insurance basics
Frequently Asked Questions
What's the difference between Marketplace and off-Marketplace plans?
Marketplace plans are purchased through Colorado's official exchange; off-Marketplace plans are purchased directly from a carrier. Both can be ACA-compliant, but eligibility for financial help and enrollment timing can differ.
Can you help me see if I qualify for Special Enrollment?
Yes. If you've had a qualifying life event (like losing coverage, moving, marriage, or having a baby), you may be able to enroll outside Open Enrollment.
What is the Colorado Option?
Colorado Option plans are standardized plan designs intended to make benefits and cost-sharing easier to compare within a metal tier.
I'm self-employed. What should I consider first?
Start with your doctors, prescriptions, and budget. We'll compare options and explain tradeoffs clearly so you can choose confidently.
Book your Individual & Family consult
Get clear answers and a confident next step.
Important information
Information on this page is for general guidance and isn't medical, legal, or tax advice.
Plan availability, benefits, and costs vary by county, carrier, and plan year. Enrollment rules and program eligibility can change. We'll confirm details during your consult.