Business Details
Your Trusted Health Insurance Partner in Fort Collins, CO
Health Insurance Associates has been dedicated to simplifying health insurance for Colorado residents since our founding. With over two decades of experience, we specialize in providing personalized health insurance solutions for individuals, families, and small businesses. Our team of licensed brokers works with major carriers like Anthem, Cigna, Kaiser Permanente, and UnitedHealthcare to ensure clients find coverage that aligns with their needs, lifestyle, and budget. As Connect for Health Colorado certified brokers, we guide clients through ACA-compliant plans, subsidy eligibility, and enrollment processes with local expertise. Our commitment to transparency ensures all information remains confidential, and we never sell client data.Whether navigating Open Enrollment, Special Enrollment Periods, or Medicare options, our mission is to reduce stress and empower informed decisions. We proudly serve Fort Collins and all of Colorado, offering year-round support for small group plans, dental/vision insurance, and travel insurance. Our approach combines industry knowledge with a personalized touch, ensuring clients understand their options, from HMO plans to HSA-eligible coverage. By staying current with policy changes and industry updates, we provide reliable guidance tailored to Colorado's evolving healthcare landscape.
Services
Individual Insurance
Family Insurance
Medicare Plans
Small Business Insurance
Dental Insurance
Vision Insurance
Travel Insurance
HMO Plans
HSA-Compatible Plans
Medigap Plans
Highlights and features
- We offer over 20 years of experience serving Colorado's health insurance needs.
- Our team provides personalized service tailored to individual and business requirements.
- We are Connect for Health Colorado-certified brokers with access to major carriers.
- We work with top insurers like Anthem, Cigna, and UnitedHealthcare to ensure options.
- We provide free, no-obligation health insurance quotes to all clients.
Associations and certifications
- Connect for Health Colorado
Services
Individual Insurance
Health Insurance Associates offers tailored individual health insurance plans for Coloradans outside Open Enrollment due to qualifying life events. We provide guidance on HMO and HSA-compatible options, helping clients compare premiums, coverage levels, and network providers. Our brokers ensure alignment with personal healthcare needs and budgets.
Medicare Plans
We specialize in Medicare solutions for Colorado residents approaching retirement or seeking better coverage. Our services include comparing Medigap, Medicare Advantage, and Part D prescription drug plans. We verify provider networks and prescription coverage to help seniors find affordable, comprehensive options tailored to their healthcare needs.
Small Business Insurance
Health Insurance Associates provides year-round small group health insurance options for Colorado employers. We offer PPO and HMO plans from major carriers, assist with tax-advantaged benefits, and provide ongoing support for managing employee coverage. Our brokers help businesses compare plans to meet team needs and budget constraints.
Dental Insurance
We offer year-round dental insurance options for Colorado residents, ranging from basic discount plans to comprehensive coverage. Our brokers help clients evaluate benefits like preventive care, restorative treatments, and orthodontics to build a well-rounded health benefits package that complements their primary health insurance.
Travel Insurance
Health Insurance Associates provides affordable travel insurance for Colorado residents planning international trips. Our plans include medical coverage, emergency evacuation, and trip interruption benefits. We help clients select policies that protect against unexpected events, ensuring peace of mind during travel outside the U.S.
People
Michele Dubbert
Licensed Health Broker
Michele Dubbert is a licensed health insurance broker with over 20 years of experience in Colorado's healthcare market. She specializes in helping individuals, families, and small businesses navigate insurance options with a personalized approach, focusing on matching clients with plans that fit their unique needs and budgets.
Questions
When is Open Enrollment for health insurance in Colorado?
Individual and family Open Enrollment runs November 1st to January 15th. Medicare Annual Enrollment is October 15th to December 7th each year.
Can I get subsidies for health insurance in Colorado?
Yes, Connect for Health Colorado offers monthly subsidies based on household income and size. Our certified brokers help determine eligibility and apply.
What carriers do you work with?
We partner with Anthem Blue Cross Blue Shield, Cigna, Kaiser Permanente, Denver Health, Select Health, and UnitedHealthcare. Availability varies by location.
What qualifies as a Special Enrollment Period?
Qualifying events include job loss, divorce, marriage, birth of a child, relocation, or aging off a parent's plan at 26.
What's the difference between Medigap and Medicare Advantage?
Medigap supplements Original Medicare for out-of-pocket costs. Medicare Advantage replaces Original Medicare and often includes dental, vision, and prescription drug coverage.
Do I need in-network providers for coverage?
Yes, staying in-network ensures services are covered. Out-of-network care may result in full out-of-pocket costs.
