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Guaranteed Lowest Rates on Health Insurance in ColoradoColorado Health Insurance Brokers is the premier resource for personal service, health insurance quotes and side by side benefit comparisons of the most popular business, individual and family plans from Colorado’s top health insurance companies.

For companies with 2 to 99 employees, business health insurance is very competitively priced, so work with one of our business health insurance experts to help you find the best plan for your company’s and employees’ needs. Colorado Health Insurance Brokers places business for all of Colorado’s major health insurance carriers and at NO EXTRA Cost whether your company has 2 or 99 employees.

For individuals, Colorado Health Insurance Brokers are certified producers of Connect for Health Colorado and our experienced agents can help individuals and families find the ACA compliant health insurance plan that’s right for their individual needs.  And there is absolutely no charge or mark up for our services.

Colorado Health Insurance Brokers works with every major health insurance company in Colorado providing you with more local carriers and plan options than e-healthinsurance!

View instant online quotes or fill out a free expert quote recommendation request and Colorado Health Insurance Brokers will personally review plans from Colorado’s top rated health insurance carriers like Anthem Blue Cross Blue Shield, Cigna, Friday Health, Kaiser, Humana, Rocky Mountain Health Plans, United Healthcare and more.  We’ll work to help you find the right plan at the guaranteed best price.

Our services are provided at NO COST or mark up to our clients, so Colorado Health Insurance Brokers Saves You Time AND Money!  We can help you during the next open enrollment season or get coverage with a qualifying event during a special enrollment period.

Health Insurance Solutions for Individuals, Families & Small Businesses
It is our personal service and understanding of the Colorado health insurance market that our hundreds of satisfied customers value most. Whether you are a small business owner wanting to set up an employer sponsored group health insurance plan or an individual wanting to get coverage for yourself or your family, we want to learn about your personal situation and your likes and dislikes so we can help you find the exact right plan, as well as any tax subsidies you might be eligible for.

Right Now is a Great Time to Shop and Save
Under the Affordable Care Act (ACA or ObamaCare), health insurers must insure everyone regardless of pre-existing conditions and most Americans are still required by law to have health insurance or be subject to escalating tax penalties.

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Colorado Health Insurance Brokers are independent local brokers which means that making YOU happy is our only objective.  Get an instant quote or allow us to research your options and email you a custom personalized quote, so you can review your health insurance quotes at your convenience. Or give us a call for a free Colorado health insurance quote: (303) 456-7967 or toll free at (800) 416-4481 and ask about our guarantee details.

Copper Plans Expanded in 2026 for Connect for Health Colorado and Carrier Direct

September 9th, 2025 – Coloradans who buy their own health insurance plans are most familiar with Gold, Silver, and Bronze plans, but in 2026 many people will have access to a new plan color: Copper.

With little media fanfare, on September 4th CMS (Centers for Medicare and Medicaid Services) announced announced that Copper plans will be made much more widely available starting January 1st, 2026.

Previously, Copper plans were better known as Catastrophic plans and were only available to those under age 30 or those who qualified for a Hardship Exemption.

Copper plans have very high deductibles and out-of-pocket maximums, but they are fully Affordable Care Act–compliant, cover all federally mandated preventive care, and have historically been roughly 20% less expensive than Bronze plans.

Under the new rules, starting January 1st, 2026, people who are newly ineligible for Advance Premium Tax Credits and/or Cost-Sharing Reductions will be granted a Hardship Exemption.

It is not yet clear whether people who did not previously receive federal Premium Tax Credits in 2025 will have access to Copper plans through Connect for Health Colorado. However, CMS has stated that Copper plans will also be available carrier-direct, where Premium Tax Credits are not offered.

Fox News reports: “The Trump administration has effectively said that most Americans are now eligible for a hardship exemption, meaning anyone can buy a Copper plan.”

Stay tuned for more updates on how this will impact health insurance in Colorado and what the nuances of the new rules are.