From your children's pediatrician to a growing family's maternity care, I'll help you compare family health insurance options built around your household's doctors, prescriptions, and budget — with no cost for my guidance.
Before looking at plan names or prices, think through what your whole household needs. Anything you're not sure about is exactly what we can sort out together.
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Every family is different. Here are the main types of coverage we can review together for your household.
Financial help may be available
Family plans offered through Connect for Health Colorado. Depending on your household income and size, your family may qualify for premium tax credits that lower the monthly cost.
Coverage for kids of all ages
Children can generally stay on a parent's plan until age 26. Depending on income, kids may instead qualify for Health First Colorado or CHP+. Child-only plans can also be an option.
Maternity & newborn care
ACA-compliant plans include maternity and newborn care as essential health benefits. Having or adopting a baby generally opens a Special Enrollment Period to add your child or change plans.
Tax-advantaged savings
High-deductible family plans that meet IRS requirements can let you save pre-tax money in a Health Savings Account. Premiums are often lower, but your family pays more out of pocket before coverage begins.
HealthMarkets Insurance Agency offers the opportunity to enroll in either Qualified Health Plans (QHPs) through the Health Insurance Marketplace or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered through the Marketplace.
A low premium can mean higher costs when your kids need care. These are the five things we review together for your whole family.
We confirm your pediatrician, OB-GYN, specialists, and preferred hospitals are in-network for every family member.
We check how each family member's medications are covered, including drug tiers and any prior authorization rules.
Family plans can have individual and family deductibles. We explain how yours works and when coverage begins for each person.
The yearly cap on what you pay for covered in-network care — for each person and for the whole family. It's your worst-case number.
Premium tax credits and, for some incomes, extra savings on Silver plans are available only through Connect for Health Colorado. Eligibility is determined by the marketplace.
Family members don't always qualify for the same coverage. Parents might enroll in a Marketplace plan while children qualify for CHP+ or Health First Colorado. Understanding how these programs fit together can help your family get the right coverage for each person.
Private health plans through Connect for Health Colorado, with premium tax credits for those who qualify.
Colorado's Medicaid program, for eligible children, adults, and pregnant people based on income and other factors.
Low-cost coverage for eligible children and pregnant people whose income is too high for Health First Colorado.
Eligibility for each program is determined by the marketplace or the State of Colorado, based on income, household size, and other factors. I can help you understand your options and point you to the right application.
I spent more than 15 years working with hospitals, physician practices, and health plans — including pediatric care. I understand how networks, drug lists, and claims work, and I use that insight to help Colorado families choose coverage with confidence, in English or Vietnamese.
15+ Years
Inside hospitals, physician practices, pediatric care, and health plans
MHA · MBA
Healthcare administration and business credentials
Independent
Guidance and comparisons across multiple insurance companies
Ongoing Support
Help with claims, renewals, and life changes like a new baby
A clear, guided process — from first conversation to ongoing support.
We talk through your household, your doctors, prescriptions, and budget — by phone or Zoom.
We look at whether your family may qualify for marketplace savings, and whether anyone may qualify for Health First Colorado or CHP+.
We compare options side by side — networks, prescriptions, deductibles, and total yearly costs.
I help you enroll and stay your point of contact for questions, claims, renewals, and changes.
A short, no-cost conversation can help you see your family's options clearly. Consultations are available in English and Vietnamese.