Colorado Health Insurance Plans
Coloradans can buy health insurance through Connect for Health Colorado (the state marketplace, where income-based savings are available), directly from carriers, or through an employer. An independent broker compares plans from multiple carriers in one conversation and helps you enroll for free.
Finding the right health insurance in Colorado comes down to three things: which plans are available in your county, which doctors and hospitals are in network, and what you will actually pay once premiums, deductibles and copays are added up.
Mile High Health Brokers is a Westminster-based independent agency. We work with multiple Colorado carriers, so we can compare marketplace plans, off-exchange private plans and small group options for you in one place.
How Health Insurance Works in Colorado
Individual, family, private and small business health insurance in Colorado, compared side by side by a local broker at no cost to you.
Who We Help
Individuals and families without employer coverage, self-employed and 1099 workers, people between jobs or coming off COBRA, and small business owners who want to offer benefits.
What It Costs
Premiums depend on your age, ZIP code, tobacco use and metal tier. Households that qualify for tax credits through Connect for Health Colorado can pay much less. We compare total yearly cost, not just the premium.
How We Help
We compare marketplace, private and small group plans from the carriers we represent, check your doctors and prescriptions, handle enrollment and stay your contact year-round, at no cost to you.
Talk to a Local Health Insurance Broker
Health insurance brokers are paid by the insurance companies, and plan premiums are the same whether you enroll with a broker or directly. Call 970-685-2066 or request a free quote, and we'll compare your options side by side.
​Mile High Health Brokers is an independent, licensed health insurance agency serving Colorado. Plan availability, benefits and premiums vary by county and carrier and can change each plan year.
Colorado Health Insurance FAQs
Enroll during open enrollment (November 1 to January 15) or within 60 days of a qualifying life event such as losing other coverage, moving, marriage or having a baby. You can apply through Connect for Health Colorado, directly with a carrier, or with a licensed broker who handles the application for you.
No, it costs the same. ACA plan prices are filed with the state, so the premium is identical whether you buy directly or through a broker. The carrier pays the broker, and you get free help comparing and enrolling.
An HMO usually requires you to use in-network doctors and get referrals to see specialists, and it typically has lower premiums. A PPO lets you see specialists without referrals and offers some out-of-network coverage, usually for a higher premium.
Most people become eligible for Medicare at 65. If you have an individual or marketplace plan, you will usually move to Medicare and cancel the individual plan. Timing matters to avoid gaps and penalties, so plan a few months ahead.