Available Health Insurance Plans

Choose the Health Insurance Plan
That’s Right For You

We make choosing a health insurance plan as easy as possible.  The most important thing to consider is the Coverage and Premium.  You should also look at the PPO network the insurance company uses.  Having access to a PPO network can mean substantial discounts in what you pay for your health care, even before you meet your deductible.  And if you have a pre-existing health condition, the Underwriting practices of the insurance company should be considered.  (If you'd like more detailed information on How to Buy Health Insurance, please see our Consumer's Guide, or request a copy of our special report, Colorado Health Insurance Made Easy.)

Because we offer over 300 plans from many different insurance companies, you’re able to shop the competition to find the best rates for the coverage you need.  The Instant Quote page gives quotes for all of the plans listed below.

We also strive to help individuals and families in Colorado reduce their medical expenses in many different ways.  See our Additional Benefits page for information on how to get prescription drugs and lab testing at wholesale costs, learn about a service that will renegotiate your hospital bill after your PPO discount, ways to reduce your taxes by paying for your health insurance through an HRA, and much more.

"Tim [Holt] took the time to answer my questions on the phone and further explain the benefits" "I shopped around on a million different sites checking out a lot of quotes and receiving a bunch of phone calls from brokers.Tim [Holt] took the time to answer my questions on the phone and further explain the benefits. Tim seems to have a strong understanding of all aspects of health insurance, not just Health Savings Account (HSA) Plans.  I think that's pretty crucial for your business because it helps the consumer to understand the differences in types of plans and why a HSA might be a better choice. Thanks for all your help.“   David Byers Telluride, Colorado Read More...

How to Sign up for Coverage

Please visit our Consumer’s Guide page to learn how to choose the right plan and how to apply for health insurance coverage.  Please don't hesitate to contact us if you have a quick question.

Anthem Blue Cross Blue Shield

The Anthem Blue Preferred plan includes doctor visits, prescription drugs, vision, an accident benefit, and of course, surgery and hospitalization.  The coverage and rates are excellent, they have what is probably the widest PPO network in the state of Colorado, and their reputation is outstanding.  This is our most popular policy, and for most people offers the best value on the market for a full-coverage plan.

The Anthem HSA plan is eligible to pair with a Health Savings Account, and is the most popular HSA plan we offer.  This plan pays 100% (or 80% of the first $20,000 and then 100%) up to $2,000,000 in eligible expenses.

Tonik is a value-priced plan that includes copay coverage for doctor visits and generic drugs, and includes dental coverage.  This plan is geared toward the young and healthy.

Anthem has an "A" (Excellent) rating from the A.M. Best Company, an independent insurance rating organization.

More complete details can be seen by going to the Anthem BluePreferred page, the Anthem HSA page, or the Tonik page.

Assurant Insurance Company

Assurant Insurance Company, formerly known as Fortis, has an "A" Excellent rating from the A.M. Best Company, an independent insurance rating organization.  Our most popular Assurant Insurance plan is the Assurant SaveRight HSA, a high-deductible plan which can be paired with a Health Savings Account, which can dramatically lower your health insurance premium as well as your income taxes.

The other Assurantt plan that is very popular is the Assurant RightStart plan.  This plan offers coverage with copayments for things like doctor visits and prescription drug coverage, but has stricter limitations on lifetime limits and other benefits.  The result is a plan with much lower premiums than is typical.

Assurant Health markets products underwritten by Time Insurance Company.  More complete details can be seen by going to the Assurant Insurance Company page.

Celtic Health Insurance

Celtic is rated "A-" (Excellent) by the A.M. Best Company, an independent insurance rating organization.  This rating, released in 2005, is based on financial and operating performance.  Celtic offers some of the most competitive rates on Health Savings Account plans.

The most popular Celtic plan is the Celtic Basic, which is often a good low-cost option.  More complete details can be seen by going to the Celtic Health Insurance page.

Humana Health Insurance

Humana Health Insurance plans offer excellent benefits and very competitive rates.  The Humana One plan offers a very good value for a full service plan, especially for those who are willing to accept a limited number of doctor office visits and a deductible for their prescriptions.

The Humana HSA plan works in conjunction with a Health Savings Account.  It is a lower-priced HSA-compatible plan that includes coverage for doctor visits and prescription drugs, which is something many of the lower-priced HSA plans don’t do.  These plans are an even better value for families, because the spouse gets a 10% discount.

Humana has an "A-" (Excellent) rating by the A.M. Best Company, an independent insurance rating organization.

More complete details can be seen by going to the Humana Health Insurance page.

Long Term Care Insurance

Our Long-Term Care Quote system will find the best long-term care policy and premiums for you or your loved ones.

More complete details and instant quotes can be seen by going to the Long Term Care Insurance page.

Maternity Health Insurance

A maternity coverage rider will pay expenses related to a routine childbirth.  Complications of pregnancy will normally be covered like any other illness, regardless of whether or not you have maternity coverage.

More complete details can be seen by going to the Maternity Health Insurance page.

Temporary Health Insurance

Temporary Health Insurance plans are offered by Assurant, a Time Insurance Company. Good for up to six months at a time, temporary health insurance policies offer lower rates than permanent policies.  The advantage is the low premiums, the disadvantage is that after 6 months the plan ends and you must reapply for coverage.

More complete details can be seen by going to the Temporary Health Insurance page.

UnitedHealthOne/Golden Rule