Small Business Health Insurance in Colorado
Colorado small businesses can offer health benefits through a traditional small group plan or through a health reimbursement arrangement (ICHRA or QSEHRA) that reimburses employees for individual plans. A broker compares costs, participation requirements and tax treatment for each option.
​
At Mile High Health Brokers, we compare group plans from major carriers against ICHRA and QSEHRA options, then stay by your side with year-round support. Our guidance comes at no cost to your business.
Retention & Morale
Build a Stronger Team
Group health plans are more than just insurance—they are a primary reason why high-quality talent chooses to stay. Offering coverage highlights that your employees' well-being is a priority. At Mile High Health Brokers, we find affordable plans from major carriers, and provide ongoing, local support year-round at no cost to you. Invite your employees to a workplace that values them.
Group Health Insurance, ICHRA and QSEHRA Options
Health benefits help you hire and keep good people, but traditional group plans aren't the only way to offer them. Many small businesses now use an ICHRA (Individual Coverage HRA) or QSEHRA to give employees a set monthly amount toward their own individual plan. Group plan costs depend on employee ages, location, plan design and your contribution, and employer contributions are generally tax-deductible.
At Mile High Health Brokers, we do the heavy lifting. We compare major national and regional carriers to find affordable plans tailored to your business budget—all with expert, no-cost-to-you guidance from our local Colorado team.
Our commitment doesn't end at enrollment. We are your year-round partners, providing ongoing support whenever you need it to ensure your health plan continues to meet your team's needs. Looking for coverage just for yourself? Explore health insurance for self-employed professionals. To compare coverage for your team, request a group health insurance quote.
National Carriers
PPO & HMO Options
Colorado Networks
Small Group Specialists
Small business health insurance in Denver and Colorado Springs
We're small business health insurance brokers in Colorado, and we work with businesses that have 1 to 50 employees. That includes companies offering coverage for the first time and owners who want a better deal at renewal. We compare plans from multiple carriers and help with setup, enrollment and renewals. Just you, with no employees? Look at self-employed health insurance instead.
There are two main ways to offer coverage. A group plan is one plan for the whole team, and you pay part of each premium. An ICHRA lets you give each employee a set monthly amount, and they use it to pick their own individual plan. A group plan keeps things simple for everyone. An ICHRA gives you a fixed budget and gives employees more choice. We'll walk you through both with real numbers for your team.
We meet with businesses across Denver in person, and we help owners in Colorado Springs and El Paso County by phone and video. As small business health insurance brokers in Colorado, our help is free. Carriers pay brokers, and your premiums are the same whether you buy through us or directly. When renewal comes around, we'll shop your plan again. Ready to compare? Get a free quote.
Small Business Health Insurance FAQs
An Individual Coverage Health Reimbursement Arrangement lets employers reimburse employees tax-free for individual health insurance premiums, up to an amount the employer sets. It works for businesses of any size.
You can buy a marketplace plan, but you usually won't qualify for tax credits if the employer plan is affordable and meets minimum value. With an ICHRA, special affordability rules apply.
Colorado small group plans are available to businesses with at least one eligible employee who isn't the owner or the owner's spouse. Carriers may also have participation requirements.
No. Group plan premiums are the same whether you buy through a broker or directly from the carrier, and the carrier pays the broker. You get free help with quotes, setup and renewals.