Early Retiree, Business Owner, and others Under 65, without employer or governmental insurance.
Navigating the maze of health insurance options for people under 65
No employer insurance, too young for Medicare, too old to be on your parents’ plan? You need individual health insurance.
ACA Plans
The most comprehensive coverage for individuals and families not on employer or governmental plans, are those that comply with the requirements of the Affordable Care Act (ACA). This means:
• No pre-existing condition limitations
• No annual or lifetime benefit payout maximum
• Annual cap on your out of pocket expenses
• Annual wellness exams and tests at no out of pocket cost.
None of the insurance companies selling ACA plans within Colorado offer a PPO option (i.e., no out of state or out of network benefits). However, all ACA plans must cover emergency room benefits anywhere in the US
Short Term Options
If you missed open enrollment for ACA plans or just need short -term minimum coverage, we have options available. We discuss the pros and cons of each option so you know exactly what you are and are not buying.