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If you’re shopping for health insurance for your family in Colorado, you have two main roads to choose from: the ACA Marketplace  (Connect for Health Colorado) or buying a plan Off-Exchange  (directly from a carrier). As a local, family-rooted agency, we help you compare both to ensure your family gets clear, affordable, reliable coverage. Road 1: The ACA Marketplace (Connect for Health Colorado) This is the only place you can receive a subsidy (tax credit)  to help lower you

The busy season (November–March) shouldn't be stressful, but for many employers, Open Enrollment (OE) turns into an HR nightmare. As a veteran-owned agency, we believe in clear, efficient execution. Here is our 10-minute checklist to ensure your OE runs smoothly, keeps your team informed, and minimizes the headache for your office. The 10-Minute Employer OE Checklist Time Task Notes Minute 1 Confirm Your Broker's Strategy Do they have multiple quotes ready? Are they presentin

When you're running a small to mid-size business in Northern Colorado or Wyoming, health insurance is one of your biggest expenses. You want great coverage to keep your team happy, but you need to keep costs predictable and low. Most employers know about Fully Insured  plans, where you pay a fixed premium every month and the carrier handles all the claims. It's predictable, but the rates often jump every year. But there’s another option built for predictability and  potential