If you own a small business, you may be in luck. Since the inception of the Affordable Care Act, individual premiums have experienced 20 to 40 percent annual increases with several carriers leaving the Colorado individual market altogether. Individual plans have also endured a rise in deductibles, co-pays, annual out of pocket maximums and increased premiums for tobacco users. Individual plans may only be purchased at open enrollment, generally January 1st of each year, unl