"Business group of one" coverage allows self employed individuals the ability to buy group health insurance in Colorado, by making available 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 from any carrier. If you are medically uninsurable or have pre-existing conditions, you have an open enrollment window every year. We can help you determine what's best for your needs.

UPDATE: Federal law provides new options for the medical uninsurable.

Many self-employed sole proprietors have elected to insure themselves with individual health insurance policies. While this is a viable alternative for some business owners, care should be taken in the selection of individual health insurance. Should you elect to purchase an individual policy, you will be shut out of the Colorado 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. For more information, review your options under individual health insurance for alternatives to group plans.

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