How It Works
Insurance choices can feel overwhelming. Our job is to make it simple: compare the right options, enroll with confidence, and stay supported.
Local Colorado team (Broomfield-based; statewide support)
Clear, side-by-side comparisons (doctors, prescriptions, total cost)
No-pressure recommendations based on your goals
Support beyond enrollment (questions, changes, renewals)
Start Here
Pick the situation that matches you best—we’ll route you to the right service.
Turning 65 / Medicare
Best for:
Turning 65, reviewing your plan, comparing Advantage vs Medigap vs Part D.
Individual & Family
Best for:
Self-employed, between jobs, early retirement, family coverage, Marketplace (Connect for Health Colorado).
Employer Group Benefits
Best for:
Small business benefits, renewals, dental/vision, benefits strategy.
Supplemental
Best for:
Accident, critical illness, hospital indemnity, disability, dental, travel.
Life Insurance
Best for:
Term, whole, universal, final expense, family protection planning.
Our simple process
Quick consult (10–20 minutes)
We learn what matters most: your timeline, budget, doctors, prescriptions, and priorities.
Compare options (side-by-side)
We show you clear tradeoffs:
- Monthly premium vs out-of-pocket exposure
- Network access (your doctors/hospitals)
- Prescription coverage at your pharmacy
- Coverage rules and what to expect
Enroll and confirm next steps
We help you complete enrollment correctly and understand what happens next (effective dates, ID cards, first payments, etc.).
Support after enrollment
Life changes. Plans change.
We help with questions, updates, renewals, and annual reviews.
What we need from you (so we can make good recommendations)
- Your zip code and county
- Doctors you want to keep
- Prescriptions + dosages
- Preferred pharmacies
- Your timeline (need coverage now vs planning ahead)
- Your priorities (low premium, predictable costs, provider flexibility, etc.)
If you’re a business owner (employer benefits):
- Company size + locations
- Target effective date
- Employee census basics (DOBs/zip codes/tiers)
Enrollment timing: can I enroll right now?
Individual & Family (Marketplace / Connect for Health Colorado)
Typical Open Enrollment window:
- Nov 1 – Jan 15 (dates can vary slightly by year)
Outside Open Enrollment:
- You may qualify for Special Enrollment after certain life events (loss of coverage, marriage, birth/adoption, moving, etc.).
Medicare
Common timing windows:
- Medicare Open Enrollment (AEP): Oct 15 – Dec 7 (changes typically effective Jan 1)
- Medicare Advantage Open Enrollment (MA OEP): Jan 1 – Mar 31 (if you’re already in a Medicare Advantage plan)
- Initial Enrollment Period (IEP): generally begins 3 months before the month you turn 65 and ends 3 months after
Employer Group Benefits
- Most group plans can be set up throughout the year.
- If you’re renewing, we recommend starting 60–90 days before your renewal date.
Does it cost more to work with a broker?
Short answer:
In many cases, you don’t pay extra to work with a broker. Brokers are often compensated by the insurance company through commissions built into the plan premium.
Important Colorado note:
In Colorado, brokers may charge a fee in certain situations (for example, if the broker will not receive a commission), but this requires written disclosure and agreement. No fee can be charged in connection with an enrollment in Medicaid or CHP+.
Our promise:
If any broker fee would apply, we disclose it clearly in writing before you decide.
What makes our approach different
What you can expect:
- Plain-English explanations (no jargon)
- Side-by-side comparisons based on your real inputs
- A recommendation that matches your priorities and timeline
- No-pressure guidance (you decide)
What we avoid:
- “One-size-fits-all” plans
- Confusing sales scripts
- Promises about approvals, subsidies, pricing, or outcomes
What happens after you enroll
Typical next steps:
- Confirm your effective date
- Watch for your ID cards and plan documents
- Set up your online member portal (recommended)
- Verify your doctors and prescriptions once coverage begins
Ongoing support:
If something changes (new job, moved, new medication, new dependent), we’ll help you understand your options.
Ready to get started?
Tell us what you’re trying to solve, and we’ll map the best next step.
Frequently Asked Questions
How long does the process take?
A first consult is usually 10–20 minutes. If you have your doctors and prescriptions ready, plan comparisons can often be completed quickly.
Do you help after I enroll?
Yes. Many clients want support with questions, changes, and renewals after choosing a plan.
Can you help me see if I qualify for Special Enrollment?
Yes. If you’ve had a qualifying life event, you may be able to enroll outside Open Enrollment.
Do you offer every plan available in Colorado?
We compare options we’re able to represent and will help you understand the best-fit choices within those options.
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.
