Health insurance guidance that starts with education, not a sales pitch.
Gain Financial Services, Inc. is the parent company of Colorado Health Insurance Brokers and Insight PEO Brokers. Since 2003 we have helped Coloradans understand how their coverage actually works, so the plan they choose still fits when they need it most.
Get Health Insurance Help in Colorado
Two decades of Colorado insurance experience, built one relationship at a time.
Mark Erickson founded Gain Financial Services in 2003 and built Colorado Health Insurance Brokers into a statewide practice serving individuals, families, Medicare beneficiaries and small employers. Today a team of licensed independent agents works with every major Colorado carrier, including Anthem Blue Cross Blue Shield, UnitedHealthcare, Aetna, Cigna, Kaiser Permanente, Denver Health, Rocky Mountain Health Plans and Select Health.
We are independent brokers, not captive agents. Our job is to explain your options clearly and help you pick the one that actually fits your doctors, your prescriptions and your budget. Most of our new clients come to us the same way: referred by a financial advisor or by another client we have already helped.
Whatever stage you are in, we cover it.
Medicare Turning 65, or retiring after 65 and leaving employer coverage? We walk you through Original Medicare, Medicare Supplements, Medicare Advantage and Part D prescription plans so you understand what each one does before you enroll.
We check that your doctors are in network and that your medications are on the formulary, because those two details decide whether a plan works for you or costs you thousands.
Individual and Family Self employed, retired early, or between jobs? We help you compare Colorado individual and family plans, carrier direct and through the Connect for Health Colorado marketplace where we can help you determine whether you qualify for a federal premium tax credit.
If you are leaving employer coverage, we will walk you through how COBRA compares to a marketplace plan so you can see the real cost difference before your deadline passes.
Get an Individual/Family Health Insurance Quote
Employer Benefits Offering benefits for the first time, or ready to rethink what you have? Colorado Health Insurance Brokers helps Colorado employers compare fully insured, level funded and PEO arrangements side by side, along with dental, vision, life and group disability.
Most of our group clients have 5 to 25 employees and are building a benefits package that helps them recruit and keep good people. We handle the renewal analysis, the enrollment and the carrier problems that come up afterward.
Get an Employer Benefits Quote
PEO services, available nationally.
Insight PEO Brokers is our second brand, focused on Professional Employer Organization services for growing companies. While Colorado Health Insurance Brokers serves Colorado only, Insight PEO Brokers works with employers across the country.
A PEO can consolidate payroll, HR compliance, workers compensation and employee benefits under one relationship, which often gives a 10 to 75 employee companies access to benefits and HR support normally reserved for much larger organizations. We help you determine whether that model actually saves you money and administrative time, or whether a traditional group plan is the better fit.
Why clients stay with us.
We teach before we quote
Most people can find a list of plans. What they cannot find is someone who will explain how a deductible interacts with coinsurance, what a maximum out of pocket really protects you from, or why a low premium plan can be the expensive choice. We start every relationship with education, because an informed decision is the only kind that holds up.
We verify the details that actually matter
Networks and drug formularies change every year. Before you enroll, we confirm that your providers participate and that your prescriptions are covered, and we tell you plainly when they are not.
We plan for the year you might have, not just the year you had
Predictable claims are the easy part. We help you choose coverage that still works if the year goes sideways, which is where most plan regrets come from.
Service does not stop at enrollment
You call us, not a national call center. That continuity is why our clients refer their friends and their financial advisors send us their clients.
Independent, licensed and accountable
We are licensed with the Colorado Division of Insurance and appointed with every major carrier in the state. If a plan is not right for you, we will tell you, even when a different answer would pay us more. We want what is best for you and your unique situation.
HOW IT WORKS
Three steps, and we do most of the work.
1. Tell us about your situation. Complete a quote request or schedule a call. We ask about your doctors, your prescriptions, your budget and what has frustrated you about insurance before.
2. We review your options together. We meet virtually, walk through the plans that genuinely fit, and explain the tradeoffs in plain language. No pressure, no deadline you did not already have.
3. We handle enrollment and stay with you. We submit the application, confirm the effective date with the carrier and remain your point of contact for as long as you have the plan.
Whether you are turning 65, leaving a job, or offering benefits to your employees for the first time, the conversation starts the same way. Tell us what you are dealing with and we will take it from there.
Best Price Guarantee: Health insurance premiums are filed with and regulated by the Colorado Division of Insurance. For individuals or families or business small group plans 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.
Colorado Health Insurance Brokers and Insight PEO Brokers are Registered Trade Names of Gain Financial Services, Inc.