INDIVIDUAL HEALTH INSURANCE

WE FIND THE RIGHT PLAN FOR YOU AT THE BEST POSSIBLE PRICE, GUARANTEED

Finding the Right Health Plan for You

Specializing in health insurance for over 20 years in Broomfield, Thornton, Denver, and surrounding areas, we have the experience in the Colorado market to help find the best plan for you.  There is a lot to consider when shopping for health coverage.  We compare hundreds of health plans from all major carriers, find the options that meet your needs, and help you get the most coverage at the best possible price,  Guaranteed.

Individual Open Enrollment

Individual Open Enrollment for 2020 

November 1 through December 15th

for

January 1, 2020 Effective Date

December 16 through January 15

for

February 1,2020 Effective Date 

When Can You Buy Individual Health Coverage 

Special Enrollment Period

With the Affordable Care Act, Individuals must enroll in coverage at the "Annual Open Enrollment Period". If a Coloradoan has a life change event, called a "Qualifying Event", such as birth, marriage, loss of group health coverage etc., you may become eligible to enroll through a "Special Enrollment Period."  While each situation is unique, it is important to remember you will have only 60 days to make application before the Special Enrollment Period will end.

    List of Basic Qualifying Events

  •  Birth of a baby, adoption of a child or placement of a child for foster care

  • Change in marital status

  • Move to a new permanent address in another state

  • Changes in your income that affect the financial assistance you qualify for

  • Change of tribal status

  • Become a U.S. citizen

  • Leaving incarceration

  • Change of dependency status of someone on your plan

  • Death of a covered member of your household

  • Turning 26 and aging off your parent’s plan

  • Starting/ending AmeriCorps service

  • Incorrectly or inappropriately enrolled in a health plan for some reason that is not due to an error or omission on the part of Connect for Health Colorado

  • Violation of the contract you had with your health insurance carrier

  • Loss of an exemption to purchase health insurance coverage

  • Change in affordability of employer-sponsored insurance

  • Loss of minimum essential coverage​

  Subsidies

 The tax credit is designed to help lower the amount you pay for health insurance and is based on household, size and annual income. Generally the tax credit will be claimed when filing your annual tax return. This credit will be applied against taxes owed or will be refunded if no taxes are owed. If you qualify, you may choose to take the credit in the form of advanced premium payments to help pay monthly for health premiums. If you do qualify for a tax credit, it will be necessary to purchase your plan online through Colorado's exchange, Connect for Health Colorado. Our  brokers are certified on the exchange and can help you shop and purchase your plan online.         

Own a Small Business?

If you own a small business and have 2  or more on payroll, you may qualify for a group health plan a chance to save money AND  enroll when you it works for you.

 No Cost to You

The good news is there are no fees for our services and monthly premiums are not affected. Health broker commissions are already embedded in healthcare premiums and are regulated by the Colorado Department of Insurance. Therefore premiums are not affected whether you have a licensed broker represent you or you go it alone. Utilize the convenience and personal service from one of our experienced Health Shop brokers for free. 

 Enrollment Process

 Depending on the carrier, enrollments can be completed with paper applications or online. Once you choose a plan, we will help get you enrolled and can help get the paper application submitted or processed through an online link.

 Plan Management & Service

We help administer your individual policy throughout the year. We manage our clients in house and are committed to going above and beyond to provide personalized customer service to each and every client. If you need help with a claim, billing assistance or simply have a question, we are here for you. 

  • Compare all health plans on and off the exchange

  • Help determine tax credit qualification

  • Provide best options for carrier and plan designs

  • Direct contact for personalized assistance

  • We are your advocate and assist with coverage, claims and billing

  • No added cost to utilize the services of a licensed broker

  • Offer options for dental, life, disability, and critical illness portfolios                   

  • Reassess each year to ensure you have the right plan at the best price                                 

Supplemental Products

Individual supplemental policies such as dental, life, and disability policies can offer important protection for individuals and their families. It is important the details of these policies are clearly defined, so you are not vulnerable to situations that may affect a policy payout. 

Disability insurance is a preventative policy designed to protect your home, your savings and your way of life. Many of us protect our families with life insurance in case of an untimely death. While this is an important benefit, statistically families are more likely to suffer financial devastation due to an injury or illness. The coverage amount is based on the policy holder's current monthly income and the amount determined to be adequate to cover monthly financial obligations. Individual policies offer more personalized coverage, can cover up to 70% of an individual's monthly income and an injury or illness need not be work related. Feel free to speak with an Health Shop agent to learn more.                                         

Term life policies usually provide the largest death protection at the lowest cost. Term insurance is generally a simple death benefit that covers the policy holder for a specific period of time, anywhere from one to 30 years. Permanent insurance policies can not only offer a death benefit but can build cash value over your lifetime. Some policies also offer a variety of investment options and have more flexibility to adjust benefit and premiums as your needs change. Health Shop highly recommends using an agent to shop a variety of carriers to ensure you have a full view of all options available to you.

We are certified brokers on Connect for Health Colorado

Some of the Carriers we work with:

WHAT OUR CLIENTS THINK

"Health Shop has been an invaluable resource and has made such a difference! With their help we have even been able to incorporate  dental and disability policies. We are grateful for their hard work and caring attitude, we highly recommend Health Shop brokers."

M. Morris

"Over the 5 years that I have worked with Health Shop, I have found the staff extremely friendly and helpful. It's refreshing to speak to a live person and have emails returned right away! My agent contacts me well before my renewal and explains the best options for the company and the employees. I strongly recommended Health Shop to any business."

K. Bennett

"A friend of mine referred me to Health Shop nearly 8 years ago. I was pleasantly surprised at how informative and friendly Ron was when explaining my options. He helped me with all the paperwork and I had a policy in place within 2 weeks. It is my pleasure to recommend Health Shop to anyone that is considering their services."

A. Sanders

Why use our Brokers

Your insurance needs are too important to leave to just anyone! 

We know the Colorado market

and won't let you fall behind the curve.

Health Reform

We make it easier to understand what health reform means to you.

Consulting

We offer consultations to help you make informed health care decisions for you and / or your family.

OUR COLORADO SERVICING AREAS 

Arvada

Aurora

Boulder

Broomfield

Brighton

Centennial

Cherry Hills

Commerce City

Dacono

Denver

Englewood

Erie

Federal Heights

Firestone

Frederick

Ft Collins

Ft Lupton

Golden

Greenwood Village

Gunbarrel

Henderson

Highlands Ranch

Hudson

Lakeside

Lakewood

Lafayette

Lochbuie

Longmont

Louisville

Loveland

Northglenn

Parker

Thornton

Todd Creek

Wheat Ridge

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