Insurance guides
Colorado insurance and Medicare guides
Browse by topic
Each hub collects every guide on that subject and links to the service page where our licensed Colorado brokers do the work.
31 guides
Medicare
Everything a Colorado beneficiary needs, from choosing between Medicare Advantage and Medigap to enrollment windows, Part D, IRMAA, and late-enrollment penalties.
42 guides
Individual & Family
ACA Marketplace plans, Connect for Health Colorado, subsidies, self-employed coverage, catastrophic options, and honest cost expectations for individuals and families.
18 guides
Employer Group Benefits
Small group rules, plan design, contribution strategy, dental and ancillary lines, and the practical steps Colorado employers take to offer competitive benefits.
11 guides
Supplemental Coverage
Accident, critical illness, hospital indemnity, dental, long-term care, disability, and gap plans that cover what major medical leaves behind.
10 guides
Life Insurance
Term versus whole life, coverage amounts, no-exam options, final expense planning, and protecting a business you own.
19 guides
Working With a Broker
What a broker does, how broker pay works, where to find licensed help near you, and how Colorado licensing and agent careers work.
7 guides
COVID-19 Coverage
How testing, treatment, and vaccine coverage worked across individual, employer, and short-term plans, and what to check on your policy today.
September 30, 2026
Medicare Annual Enrollment Checklist for Colorado: Reviewing Your 2027 Plan
Prepare for 2027 Medicare Annual Enrollment by gathering your Annual Notice of Change, prescriptions, providers, and current plan details. Compare official 2027 plans once they appear before the December 7 deadline.
Read articleJanuary 21, 2026
Medicare Savings Programs and Extra Help in Colorado
If Medicare costs strain your budget, Colorado's Medicare Savings Programs and federal Extra Help can cover premiums and lower drug costs. See who qualifies and how to apply.
Read articleJanuary 14, 2026
Medicare Advantage Open Enrollment in Colorado: Your Jan–Mar Window
From January 1 to March 31, Medicare Advantage members get one chance to switch plans or return to Original Medicare. Here's how Colorado beneficiaries use the window.
Read articleJanuary 7, 2026
Medicare IRMAA in Colorado: Why Higher Earners Pay More
Higher-income Medicare beneficiaries pay IRMAA surcharges on Part B and Part D. Colorado retirees: see how IRMAA works, the two-year income lookback, and how to appeal.
Read articleDecember 17, 2025
Medicare Advantage vs. Medigap in Colorado: How to Choose
Medicare Advantage or Medigap? The choice shapes your costs, doctor access, and flexibility. Here's how Colorado beneficiaries can weigh the two paths.
Read articleDecember 10, 2025
Medicare Part D Late Enrollment Penalty: A Colorado Guide
The Medicare Part D late enrollment penalty is added to your drug premium for life once you owe it. Colorado residents: see how it works and how to avoid it.
Read article
September 25, 2026
Cigna Is Leaving Individual & Family Health Insurance: Colorado Guide for 2027
Cigna is discontinuing individual and family medical plans nationwide effective January 1, 2027, including Cigna Connect plans in Colorado. Coverage runs through December 31, 2026, and dental plans are not affected. Here's what Colorado residents should do next.
Read articleApril 8, 2026
Short-Term Health Insurance in Colorado: When It Fits and When It Doesn't
Short-term health insurance offers temporary, limited coverage between plans. Here's how it works in Colorado, its real limits, and when a better option exists.
Read articleNovember 2, 2025
Catastrophic Health Insurance Over 50: Eligibility & Costs
Learn how adults 50–64 can qualify for catastrophic health insurance, compare ACA tiers, understand 2026 policy changes, and find affordable coverage.
Read articleNovember 2, 2025
Catastrophic Health Insurance Over 30–60: Rules & Better Alternatives
Catastrophic health plans are limited to adults under 30 or with a hardship exemption. See the rules, costs, and better alternatives if you're over 30.
Read articleNovember 2, 2025
Health Insurance Costs in Colorado 2025: Rates & Savings
See 2025 Colorado health insurance costs for singles, families, and seniors. Learn average premiums, 2026 projections, and tips to cut coverage expenses.
Read articleNovember 2, 2025
Catastrophic Health Insurance Colorado 2025: Eligibility & Coverage
Learn who qualifies for catastrophic health insurance in Colorado 2025, what it covers, exemptions, costs, and how to enroll for affordable protection.
Read article
November 19, 2025
Medicare vs. Employer Coverage at 65: How Colorado Workers Should Decide
Still working at 65? Choosing between Medicare and employer coverage is more complex than it looks. Colorado residents: here's what actually drives that decision.
Read articleAugust 19, 2025
Covid Coverage for Employees: Keeping Calm and Covered On
Navigate comprehensive Covid coverage for employees. Learn about health plans, paid leave, workers' comp, and workplace safety.
Read articleJuly 24, 2025
Your Guide to Stellar Colorado Group Dental Plans
Explore Colorado group dental plans to boost employee health & retention. Learn about types, costs, tax credits, and eligibility.
Read articleJuly 17, 2025
Group Health Insurance That Won't Break the Bank
Discover affordable group health insurance options, savings tips, and plan comparisons for small businesses and teams.
Read articleJune 25, 2025
Colorado Employer Group Benefits Made Easy (and Maybe Even Fun)
Explore Employer group benefits Colorado, compare plan options, save costs, and boost retention. Get expert tips for small businesses today!
Read articleJune 20, 2025
Insuring Your Team in Colorado Without Losing Your Mind
Discover Colorado group health insurance basics, costs, compliance, and smart strategies to protect your team and your budget.
Read article
September 16, 2026
Hospital Indemnity Insurance With Medicare Advantage in Colorado: How It Fills the Gap
Hospital indemnity insurance can pay fixed cash benefits after covered admissions or inpatient days. It may help with Medicare Advantage hospital copays, but it is not a replacement for Medigap or major medical coverage.
Read articleApril 15, 2026
Pairing Supplemental Coverage With an ACA Plan in Colorado
An ACA plan is your foundation. Supplemental policies fill the gaps it leaves. Here's how Colorado households build the right mix without overpaying.
Read articleApril 1, 2026
Gap Insurance for High-Deductible Health Plans in Colorado
Gap insurance helps cover the deductible and coinsurance on a high-deductible health plan. Here's how Colorado households use it to soften out-of-pocket costs.
Read articleMarch 18, 2026
Fixed Indemnity vs. Major Medical in Colorado: Know the Difference
Fixed indemnity plans pay flat cash amounts per service, not a share of your bills. Here's how they differ from major medical and where each fits in Colorado.
Read articleMarch 11, 2026
Long-Term Care Insurance in Colorado: Planning for Later-Life Care
Long-term care insurance helps pay for assisted living, in-home care, and nursing care that health insurance and Medicare don't cover. A Colorado planning guide.
Read articleMarch 4, 2026
Accident Insurance in Colorado: Cash for the Unexpected
Accident insurance pays cash benefits for injuries like fractures, ER visits, and emergency care. Here's how active Colorado families use it to cover the gaps.
Read article
October 5, 2026
Life Insurance After 65 in Colorado: Your Options and What to Compare
Colorado adults can buy life insurance after 65. Compare shorter term, guaranteed universal life, whole life, final expense, and underwriting options based on health, purpose, and duration.
Read articleSeptember 9, 2026
Mortgage Protection Life Insurance in Colorado: Is It Worth It?
Mortgage protection life insurance can help pay a home loan after an insured borrower dies. Compare its often-decreasing, lender-focused benefit with family-owned level term life insurance before choosing.
Read articleJune 17, 2026
No-Exam and Simplified-Issue Life Insurance in Colorado
No-exam and simplified-issue life insurance skip the medical exam for fast, easy approval. Here's how it works, the trade-offs, and who it suits in Colorado.
Read articleJune 10, 2026
Life Insurance for the Self-Employed and Business Owners in Colorado
Self-employed and business owners have no group life policy by default. Here's how Colorado owners protect both their family and their business with life insurance.
Read articleJune 3, 2026
How Much Life Insurance Do You Need in Colorado?
How much life insurance is enough? Here's a practical framework Colorado families use to size coverage around income, debts, and future goals.
Read articleMay 20, 2026
Life Insurance for Young Families in Colorado: Why Now Matters Most
Young families depend on your income and presence. Here's why life insurance matters most now, why buying early is cheapest, and how Colorado parents get covered.
Read article
July 18, 2025
Agency Alert! Top Picks for Group Health Insurance Providers
Unlock top employee benefits! Discover why a Group health insurance agency is vital for your business. Attract talent & save costs.
Read articleJune 16, 2025
From Rockies to Beaches—Can Your Colorado Life Insurance License Travel?
Is a colorado life insurance license good in other states? Learn reciprocity rules, non-resident steps, and compliance tips to expand your reach.
Read articleJune 13, 2025
How to Quickly Reach the Health Insurance Marketplace by Phone
Learn how to use the health insurance marketplace phone number for fast help, enrollment, subsidies, and expert support—call today!
Read articleJune 13, 2025
Broker or Joker? Finding Reliable Insurance Brokers in Colorado
Compare Insurance brokers Colorado for better coverage, unbiased advice, and cost savings. Find trusted experts and get the right policy today.
Read articleJune 6, 2025
What Colorado Life Insurance Agents Really Earn Each Year
Discover real life insurance agent salary colorado data, top cities, commission tips, and how to boost your earnings in 2024.
Read articleMay 30, 2025
Colorado Health Insurance Assistance Made Easy
Get Colorado health insurance assistance today—compare plans, find savings, and access expert help for coverage that fits your needs.
Read article
August 23, 2025
Short-Term Covid Insurance: Is It Worth the Risk?
Protect your finances with Short term Covid insurance. Learn about income replacement & travel coverage, exclusions, and claims.
Read articleAugust 13, 2025
Covid-19 Coverage Unmasked: Understanding Your Insurance Options
Navigate post-pandemic travel & health with expert insights. Understand your Insurance covering Covid-19 options for peace of mind.
Read articleJuly 28, 2025
Worker's Guide to Covid Insurance: Coverage When You Need It Most
Get the guide to Covid insurance for workers. Learn about workers' comp, private plans, and securing your financial future.
Read articleJuly 23, 2025
Small Business, Big Coverage: Navigating Covid Insurance Options
Prepare your business. Understand why traditional policies failed & find new Covid insurance for businesses for future health crises.
Read articleJuly 17, 2025
Covered or Not? Navigating Covid Vaccine Insurance Coverage
Confused about Covid vaccine insurance coverage? Discover costs, plan specifics, and free vaccine programs for COVID-19 shots.
Read articleJune 14, 2025
When ACA Met COVID: A Health Care Love Story?
Discover how Affordable Care Act Covid protections boosted coverage, ensured vaccines, and shaped health equity during the pandemic.
Read article
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