Self-employed, between jobs, or aging off a parent's plan? I'll help you compare your options side by side — checking your doctors, prescriptions, and total yearly costs — so you can choose with confidence. My guidance is always free.
Before looking at plan names or prices, take a minute with these questions. Answer honestly — anything you're not sure about is exactly what we can sort out together.
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Every situation is different. Here are the main types of individual coverage we can review together.
Financial help may be available
Plans offered through Connect for Health Colorado, the state's official health insurance marketplace. Depending on your household income and size, you may qualify for premium tax credits that lower your monthly cost.
ACA-compliant coverage
Major medical plans purchased directly from an insurance company instead of through the marketplace. They include the same core consumer protections, but are not eligible for premium tax credits or other marketplace savings.
Tax-advantaged savings
High-deductible health plans that meet IRS requirements can let you put pre-tax money into a Health Savings Account for qualified medical expenses. Premiums are often lower, but you pay more out of pocket before coverage begins.
Temporary · Not major medical
Temporary coverage that may help bridge a brief gap. It is not ACA-compliant insurance: it can exclude pre-existing conditions, limit benefits, and require health questions. Plan length and availability are limited by federal and Colorado rules.
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 plan that looks affordable on paper can cost more if it doesn't fit how you actually use care. These are the four things we review together.
HMO, EPO, and PPO plans use different networks. Before you enroll, we confirm your doctors, specialists, and preferred hospitals are in-network — networks can change from year to year.
Each plan has its own drug list (formulary). We check how your medications are covered, which tier they fall in, and whether prior authorization or step therapy applies.
The lowest premium isn't always the lowest cost. We look at the full picture: monthly premium, deductible, copays, coinsurance, and the out-of-pocket maximum.
Premium tax credits — and, for some incomes, extra cost-sharing savings on Silver plans — are available only through Connect for Health Colorado. Eligibility depends on income, household size, and other coverage, and is determined by the marketplace.
Before becoming an insurance agent, I spent more than 15 years working with hospitals, physician practices, and health plans. I know how networks, drug lists, and claims really work — and I use that insight to help Colorado individuals and families find coverage that fits their care, not just their budget.
15+ Years
Inside hospitals, physician practices, and health plans
MHA · MBA
Healthcare administration and business credentials
Independent
Side-by-side comparisons across multiple insurance companies
Year-Round
Support with claims, billing questions, and life changes
A short, no-cost conversation is often all it takes to see your options clearly. Book a time that works for you, or give me a call.