Health Insurance Guidance for Individuals & Families
Find the right health care coverage when employer-sponsored plans aren't an option.
Whether you're self-employed, a 1099 contractor, or your employer simply doesn't offer medical insurance—navigating health plans on your own can feel overwhelming. We help you cut through the confusion, compare your options, and find a plan that fits your life and budget.
Who We Help
Self-Employed
You run your own business and need to find health care coverage independently.
1099 Contractors
You work independently and don't receive health insurance through an employer.
Families Without Employer Plans
Your household needs medical insurance but doesn't qualify for Medicaid or employer coverage.
Health Plans Shouldn't Be This Confusing
Trying to find the right health care coverage on your own means wading through endless options on Connect for Health Colorado, decoding confusing jargon, and hoping you don't pick a plan that costs too much or covers too little.
Most people don't need more options—they need someone to help them see clearly through the ones they have. That's exactly what we do.
How We Help You Find the Right Coverage
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We learn about your health priorities, budget, and whether you need help finding a primary care doctor.
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We break down health plans in plain English—no jargon, no fine print surprises.
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We're not tied to one carrier. We show you what's best for you, including health sharing alternatives if they make sense.
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Questions after you enroll? We're still here. This isn't a one-time transaction.
Common Questions
When can I enroll in a health plan?
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Open enrollment typically runs from November through mid-January. However, if you experience a qualifying life event like losing coverage, getting married, or having a baby, you may be able to enroll anytime.
What if I have a pre-existing condition?
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ACA-compliant health plans cannot deny you coverage or charge you more because of a pre-existing condition. We'll help you find a plan that covers your needs.
What's the difference between health insurance and health sharing
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Traditional health insurance is ACA-compliant and guarantees coverage regardless of health status. Health sharing ministries are a more affordable alternative but may have limitations for pre-existing conditions. We can help you decide which is right for you.
Ready to Find the Right Health Insurance?
Let's talk through your health care coverage options—no pressure, no obligation.