About Kelmeg & Associates
Local Colorado insurance brokers helping you make confident coverage decisions. We explain options in plain English—then stay available when you need us.
Colorado-based team (Broomfield office; statewide service)
Help with Medicare, Individual & Family (Marketplace/ACA), Employer Benefits, Supplemental, and Life
Independent guidance (compare options—no one-size-fits-all)
Support before, during, and after enrollment
Our story
Kelmeg & Associates exists for one reason: to make health and insurance decisions feel manageable.
If you’ve ever tried to compare plans and felt overwhelmed by networks, deductibles, drug lists, and fine print—you’re not alone.
We help Coloradans cut through the noise, understand tradeoffs, and pick a plan that fits real life.
What we do
Medicare
Turning 65, reviewing your plan, or comparing Medicare Advantage vs Medigap + Part D.
Individual & Family (Marketplace / ACA)
Self-employed, between jobs, early retirement, family coverage, and Special Enrollment guidance.
Employer Group Benefits
Benefits strategy for Colorado employers—medical, dental/vision, renewal planning, and employee support.
Supplemental
Extra protection options like accident, critical illness, hospital indemnity, disability, dental, and travel.
Life Insurance
Term, whole, universal, and final expense options based on your goals and timeline.
How we’re different
What you can expect:
- Plain-English explanations (no jargon)
- Side-by-side comparisons based on your doctors, prescriptions, and budget
- A recommendation that matches your priorities and timeline
- No-pressure guidance (you decide)
- Ongoing support after you enroll (questions, changes, renewals)
What we avoid:
- Pressure tactics
- Cookie-cutter plan recommendations
- Promises about approvals, pricing, subsidies, or outcomes
Independent guidance, transparent support
We’re an independent brokerage, which means our job is to help you compare options and choose what fits you—not push a single carrier’s plan.
Does it cost more to work with a broker?
In many situations, you don’t pay extra to work with a broker. Brokers are often compensated through commissions that are built into plan premiums.
If any broker fee would apply in your situation, we disclose it clearly in writing before you decide.
Meet the team
Chip Murphy
Focus: Employer Group Benefits + Individual & Family
Bio (starter):Chip helps Colorado employers and individuals build coverage that works in the real world—balancing budget, plan usability, and long-term strategy.
Kelsey Murphy
Focus: Medicare + Individual & Family
Bio (starter):Kelsey specializes in helping clients compare Medicare and Marketplace options with clarity—especially when provider access and prescriptions matter.
Heidi Silwamba
Focus: Individual & Family + Small Business support
Bio (starter):Heidi supports individuals, families, and small businesses with plan selection and enrollment guidance—keeping the process simple and responsive.
What to expect when you work with us
Clear comparisons
We compare plan options side-by-side:
- Premium vs out-of-pocket exposure
- Network access (providers/hospitals)
- Prescription coverage and pharmacy considerations
Colorado-based, community-minded
We’re proud to serve clients across Colorado, with a local office in Broomfield.
Contact Details
Phone
Office
26 Garden Center Suite 1C
Broomfield, CO 80020
Business Hours
- Mon - Fri
- -
- Sat - Sun
- Closed
Frequently Asked Questions
Do you help people across Colorado?
Yes. We serve clients statewide.
Can you help me keep my doctors and prescriptions covered?
We’ll review provider networks and prescription considerations to the extent available, then explain tradeoffs clearly.
Do you offer support after I enroll?
Yes. Many clients want help with questions, changes, and renewals after choosing a plan.
How do I get started?
Book a consult or call (303) 466-9575.
Important information
- Information on this page is for general guidance and isn’t medical, legal, or tax advice.
- Plan availability, costs, eligibility, and enrollment rules vary by carrier, county, and plan year.
- We’ll confirm details for your situation during your consultation.
