Real, personalized and human support from Colorado health insurance agents has never been more valuable to consumers and businesses alike.
As insurance options become more complex and expensive, ensuring you get the right plan is tougher than ever. In 2025, individual plan premiums in Colorado are increasing by an average of 5.6%. For small businesses, price spikes average at around 7.1%.
Confusing plans, complex enrollment, and poor transparency from providers are making health insurance increasingly frustrating for everyone.
Reliable, honest, and supportive Colorado health insurance brokers can make all the difference.
What Colorado Health Insurance Agents Really Do
Truly valuable Colorado health insurance agents don’t just help you sign up for a plan – they guide you towards smart, informed choices.
Consumers and businesses working with ColoHealth don’t just get a generic list of potential options, they get a tailor-made map outlining the true positives and negatives of each plan, carrier, provider network, and cost structure.
Local experts with genuine knowledge of the market understand pricing quirks, regional coverage gaps, and which plans really align with your needs. They can help you compare options that seem the same on the surface, clarify hidden costs, and even introduce alternatives to traditional insurance.
Plus, local agents can give you a behind-the-scenes tour guide of regional-specific laws and plans, and resources, like the “Colorado Option”, and what it means for you.
ColoHealth’s Personal Benefits Managers: Real People, Real Help
Client-first companies like ColoHealth aren’t the same as standard Colorado health insurance brokers.
They’re not there to drive you towards a specific plan, or bombard you with confusing information. With ColoHealth, you get one dedicated Personal Benefits Manager. We are a local, licensed expert who listens and explains your options clearly.
Since 2001, we’ve been helping individuals, families, and small businesses make sense of their coverage options, whether they qualify for ACA subsidies or not.
We’ll cover all of your avenues with you, from ACA plans, to Direct Primary Care, health sharing programs, and HSA-compatible plans – giving you the most control over your healthcare dollars.
Once you’ve chosen a path, we take it with you – continuing the support after you enroll, so you always have someone to turn to if you need help with billing, claims, or plan changes.
That’s the difference between our team and other Colorado health insurance agents. We offer real human advisors that put your needs and long-term wellbeing first.
Forget the Myths about Health Insurance Agents
A lot of people underestimate the value of working with Colorado health insurance agents – because they believe the common misconceptions.
They assume that working with a broker or agent will cost more – but the reality is that you actually pay the same price as you would if you went directly to the insurance company or marketplace. Often, you can even pay less, because your agent can find you better value.
Brokers and agents like those at ColoHealth also don’t try to push a single plan – they work with a wide range of trusted carriers to give you the options tailored to you.
ColoHealth can help you:
- Cut costs: By finding the coverage and options that offer the best value for money, based on your specific conditions and needs.
- Find custom coverage: One-size-fits all doesn’t work for health coverage. Whether you’re caring for a family with unique needs, you’re a self-employed freelancer, a small business, or you have a chronic condition, an agent will help you find the plan right for you.
- Explore smart alternatives: Sometimes ACA marketplace plans aren’t enough. Your Colorado health insurance agents should introduce you to options like HSAs, health sharing programs, DPC plans, and tailor-made services.
Ultimately, you make a more informed decision, with the support of a professional that actually cares about your future and wellbeing.
ColoHealth: Trust, Support, and a Local Focus
Not all Colorado Health insurance agents are the same.
Some do deliberately limit your options, or put minimal effort into supporting you after you enroll. ColoHealth is different. We’re Colorado-based, people-focused agents with expertise in state regulations, versatile health plans, and ongoing support.
We don’t just sell insurance, we build long-term relationships with every client, delivering year-round support, educational tools, and guidance to individuals, families, and small businesses.
In 2025, choosing health insurance shouldn’t feel like hiking the Rockies without a map. Let a trustworthy agent guide you towards the coverage that’s right for you, without the stress.
Schedule your free consultation with a Personal Benefits Manager today.
Further Reading:
Rocky Mountain Health Plans Frequently Asked Questions
Does Rocky Mountain Health Plans offer group health plans for small businesses? Yes. RMCP offers a very competitive set of plan options for Colorado employers of all sizes.
RMCP group health plans include a full set of preventive care services at no cost to the employee or covered family member.
These benefits include:
- Immunizations
- Physicals, and
- Routine exams
- Mammograms
- Pap smears
- Colon cancer screenings
- Prostate cancer screenings
Seasonal flu shots are offered at zero cost to members. Groups over 25 may receive support for an on-site seasonal flu vaccination program.
To arrange a free group health plan design analysis, consultation, and quote, contact a ColoHealth Personal Benefits Manager.
It’s a good idea to have a plan census available, including any family members you want covered, if possible – along with ages and smoking status.
When Can I Sign Up with Rocky Mountain Health Plans?
Most people should sign up for a Rocky Mountain Health Plan during the Colorado Open Enrollment Period, which runs from November 1st through January 15th. During this period, you get a guaranteed right to enroll in the plan of your choice, regardless of your medical history. You cannot be turned down because of your medical condition.
However, if your income is below 150% of the poverty line for your household size, you may be eligible for guaranteed year-round enrollment.
You may also be eligible for a limited 60-day special enrollment period if you have a qualifying life event. Examples include:
- Losing your prior health care coverage
- Relocating
- Getting married or divorced
- The birth or adoption of a child
- Change in citizenship status
- Significant change in income that may affect your eligibility for an ACA subsidy.
If you do not qualify to enroll right now, you may want to consider a health sharing plan, which allows year-round enrollment. For more on whether you may qualify for a special enrollment period, or for help enrolling in a Colorado health plan, contact your ColoHealth personal benefits manager.
Can I use a broker or agent? Or do I have to sign up with Rocky Mountain Health Plans on the Connect For Health Colorado Exchange?
It’s a great idea to get professional advice and guidance from a health insurance broker, such as a ColoHealth Personal Benefits Manager. Your PBM can help you analyze all your healthcare options, both on and off the Connect for Health Colorado exchange.
If an exchange plan is best for you, your PBM can help you enroll – all at zero cost to you!
When you use a broker or agent, the insurance carrier pays their commission, not you.
So you can enroll via ColoHealth and get the benefit of expert health insurance advice and ongoing support and education – essentially free!
If you’re eligible for an Affordable Care Act subsidy, your ColoHealth PBM can help you maximize the value of that subsidy, and make sure you’re enrolled in the best plan possible for you and your family.
Does Rocky Mountain Health Plans require me to get a referral before seeing a specialist?
Yes, if your plan is an HMO, or health maintenance organization, except for emergency care. You would get your referral from your primary care physician assigned to you by your plan. However, you can get this referral using your telemedicine benefit at no cost to you (for all plans except Essentials, which provides this benefit after you reach your annual deductible.
If your plan is a PPO, or preferred provider organization, you do not need to get a referral before seeing a specialist. But except for emergency care, you should see a specialist within your plan network to receive full coverage.
Do I need to use in-network providers with Rocky Mountain Health Plans?
For non-emergency care, you need to use authorized, in-network care providers for non-emergency care. Otherwise you’ll receive reduced coverage or no coverage from your RMHP. This is generally the case with all HMOs and PPOs.
However, emergency care is covered at any provider, in or out of your RMHP network.
Leslie Alford is a Personal Benefits Manager at ColoHealth. Her aim is to help you make smart and informed healthcare coverage decisions that will fit your needs and budget. Read more about Leslie on her Bio page.
