Business Details
14 Years
experience
Your Trusted Colorado Health Insurance Partner
Colorado Affordable Health has been a trusted leader in health insurance services since 2012, specializing in solutions for individuals, self-employed professionals, and families. With over 20 years of combined industry experience, our independent agency partners with top-tier insurance carriers to deliver competitive rates and comprehensive coverage. We prioritize client education, simplifying complex insurance markets through personalized consultations and transparent guidance. Our team excels in navigating ACA-compliant plans, HSA programs, and specialized coverage options while maintaining strict adherence to ethical standards.As a Boulder-based agency, we combine local market expertise with national network capabilities to ensure clients receive tailored solutions that align with their unique needs and budgets. Our commitment to exceptional service is evidenced by client testimonials highlighting cost savings, simplified enrollment processes, and dedicated support throughout policy selection and implementation.
Services
Major Medical Insurance
Discount Dental Plans
Short Term Coverage
Travel Insurance
HSA Qualified Plans
Details
- Year established: 2012
Highlights and features
- 20+ years of health insurance industry expertise
- No additional fees for professional brokerage services
- Simplify complex marketplace navigation for clients
- Provide multiple insurance quotes within minutes
- Customize solutions based on individual medical histories
What people say
Saved money
Hand hold through process
Best interest at heart
Significant savings
Daunting task made easy
Services
Major Medical Insurance
We offer comprehensive major medical insurance plans designed for individuals and families seeking ACA-compliant coverage. Our solutions include PPO networks, HSA-compatible options, and catastrophic plans with essential health benefits. With access to multiple carriers like Anthem Blue Cross and Kaiser Permanente, we help clients navigate deductible choices ($500-$10,000) and co-insurance structures while ensuring pre-existing condition protections under current regulations.
Discount Dental Plans
Our discount dental programs provide access to the nation's largest provider networks through Delta Dental and Direct Dental Plans. These cost-effective solutions cover preventive care, major procedures, and emergency treatments for self-employed individuals and retirees. Members benefit from pre-negotiated rates at 150,000+ dentists nationwide, with special programs available for Colorado State Fire Fighters Association members and other professional groups.
Short Term Insurance
We provide flexible short-term medical insurance solutions for transitional life periods, including post-graduation gaps and pre-Medicare waiting periods. Our plans from Humana and Assurant Health offer coverage durations from 30-365 days with benefits for hospitalization, physician visits, and emergency care. These policies serve as bridge coverage during job transitions or while awaiting permanent insurance approval.
Travel Insurance
Our travel insurance programs through IMG protect travelers with medical coverage up to $8,000,000 for trips lasting 5 days to 3 years. Options include Patriot Platinum for executive travelers, Adventure plans for active lifestyles, and Student Health Advantage for study abroad programs. Coverage includes medical evacuation, trip cancellation, and pre-existing condition protections after 12 months of continuous coverage.
HSA Qualified Plans
We specialize in pairing high-deductible health plans with Health Savings Accounts for tax-advantaged medical expense management. Our HSA solutions allow contributions up to IRS limits while providing catastrophic coverage with deductibles starting at $1,500. These plans include preventive care benefits before deductible fulfillment and offer investment options for long-term healthcare savings growth.
People
Eric Smith
Owner & Lead Broker
Eric has provided expert health insurance guidance for 12 years, specializing in individual and small business coverage. He focuses on simplifying complex insurance markets while maintaining strict fiduciary responsibility to clients. His expertise includes ACA compliance, HSA optimization, and transitional coverage solutions.
Questions
What are the key differences between group and individual health insurance plans?
Group plans cover pre-existing conditions at standard rates but have limited provider networks. Individual plans offer more carrier choices with underwriting requirements but may exclude pre-existing conditions. Premiums vary based on deductible levels and coverage scope.
How do Health Savings Accounts (HSAs) work with high-deductible plans?
HSAs allow tax-deductible contributions paired with qualified HDHPs. Funds roll over annually, cover qualified medical expenses tax-free, and can be invested for long-term growth while maintaining catastrophic coverage.
What defines a pre-existing condition under current insurance regulations?
Pre-existing conditions include any health issues diagnosed or treated before policy effective dates. ACA-compliant plans cannot deny coverage but may apply waiting periods for related treatments in individual markets.
What travel insurance options exist for extended international stays?
We offer annual renewable plans with $5M-$8M coverage, including medical evacuation, pre-existing condition protections after 12 months, and concierge services. Short-term options cover trips from 5 days to 3 years with customizable benefits.
How do deductibles and co-insurance work in health insurance?
Deductibles ($500-$10,000) represent out-of-pocket costs before major benefits activate. Co-insurance (20%-80%) splits covered expenses between client and insurer after deductible fulfillment, with out-of-pocket maximums limiting annual expenses.
What options exist for individuals with pre-existing conditions?
ACA-compliant plans cannot deny coverage but may have modified benefits. CoverColorado provides state-sponsored options for qualifying individuals. Guaranteed-issue policies and short-term plans offer alternative solutions with specific underwriting guidelines.
