Colorado recognizes self employed individuals and allows them the ability to buy true group health insurance. Any single employer may have a guaranteed issue Basic or Standard benefit plan without having to show proof of medical insurability, or, with proof of insurability, any small group health plan available.

This is an advantage, since you can then choose the specific benefits package that most appeals to you, at a lower cost in most cases!

As a self-employed individual, you'll make significant information about your business and income available to the carrier prior to approval. This information is used to verify the employers' status. There are income requirements and other rules in place that may limit your ability to have a guaranteed issue group plan, such as the birthday open enrollment rule, which limits when a self-employed individual may have a guaranteed-issue plan. We can help you determine what's best for you.

Many single employers have elected to insure themselves under individual, rather than group, plans. While this is a viable alternative for some business owners, care should be taken in the selection of an individual plan. Should you elect to purchase an individual plan, you will be 'shut out' of the small group market for a period of 3 years, unless a group carrier voluntarily permits you to purchase a small group policy or your business status changes to a small employer with 2 + employees. Click Individual Health Plans for alternatives to group plans.

We are experts at helping you make the right decision about your health plan, now and as you grow. Please contact us via email if you have any specific questions, or. if you'd like a personalized quote or proposal. click the Quotes & Proposals link on the menu bar below.

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