Gain Financial Services, Inc. does business as Colorado Health Insurance Brokers, an independent health insurance brokerage, where we shop from hundreds of plans from a wide variety of Colorado’s top insurance companies to help our business, individual, family and self-employed clients find a plan that meets their objectives. 

Individual plans are very popular with people and families that have to buy their own health insurance, as well self employed and small business people and their families.  Once you are covered, virtually all individual plans in Colorado are non-cancelable and guaranteed renewable and can cover you until you are eligible for Medicare, provided that you continue to pay your premiums and live in the service area. 

Most individual plans provide on the job health insurance coverage for the self-employed. However, you need to verify that you meet the requirements for on the job coverage. Eligibility requirements can vary, depending upon if you are a sole proprietor, or if your business is a LLC, Sub-S Corporation or other business type.  Health insurance premiums for the self-employed typically are 100% tax deductible, but you’ll need to verify eligibility for this deduction with your tax professional.

Small Businesses with 2 -50 employees the employer can set up a small group health insurance plan. Small group plans are a valuable benefit to attract and retain quality employees.

Employers are typically required to pay a flat rate of at least $125 per employee or at least 50% of their employees’ premiums.  There are also requirements for a certain level of employee participation in the plan, although employees covered by spouses plans or their own plan are generally not counted against the group when calculating the participation ratio.  Groups of more than 50 employees have a unique set of rules and are considered part of the large group market.

As true brokers, we will help you to determine if the individual health insurance market is a good fit for you, as well as help you find the health insurance carrier and plan that you are comfortable with. 

Best Price Guarantee:  Health insurance premiums are filed with and regulated by the Colorado Division of Insurance.  For individuals or families or business groups of 49 or fewer employees, if you get your health insurance plan through Colorado Health Insurance Brokers, through another agent/broker or directly from the health insurance company, you’ll pay the same monthly premium for the same plan.  Enjoy the convenience and personal service of getting a health insurance plan through Colorado Health Insurance Brokers and rest assured that you’re getting the best available price.

For more information contact Colorado Health Insurance Brokers to get started today!