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Best Health Insurance Agencies in Denver

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303 Insurance Brokers logo
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License Verified:

License: 545265

Colorado Department of Regulatory Agencies, Division of Insurance

303 Insurance Brokers

1041 South Gaylord Street, Denver, CO 80209
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  • Individual Plans
  • Life Insurance

Business Description

303 Insurance Brokers helps clients apply for health insurance plans, servicing Denver and nearby areas. Its team of insurance brokers determines clients' financial needs to give them a suitable insurance option for themselves and their families. It also assists individuals in providing financial stability to their families or dependents if they suddenly die. These include payments for debts, mortgage loans, and educational fees. Its owner, Jason Newell, is an independent insurance agent with over 15 years of experience in leadership and management.

License Verified:

License: 545265

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (12)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Alliance logo
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License Verified:

License: 191282

Colorado Department of Regulatory Agencies, Division of Insurance

Alliance

7910 Ralston Road, Arvada, CO 80002
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  • Group Plans

Business Description

Alliance is a full-service and independent agency that offers insurance solutions to clients in Denver and its adjoining areas. Formed and established in 1988, the agency works with a vast network of health insurance companies that provide coverage for medical, surgical, and hospital expenses. Two of the most common health insurance policies it assists with are fee-for-service and managed care plans. Long-term care, as well as disability packages, may also be availed by its clients. Other services include home, auto, and life insurance.

License Verified:

License: 191282

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.8 / 5 (68)
Facebook
4.0 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Aspen Insurance Agency logo
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License Verified:

License: 45922

Colorado Department of Regulatory Agencies, Division of Insurance

Aspen Insurance Agency

2255 South Broadway, Denver, CO 80210
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  • Life Insurance

Business Description

Aspen Insurance Agency is an independent firm that delivers insurance solutions in Denver. It offers health insurance options that cover hospitalizations, general treatments, and ambulance services. The agency provides individuals and families with policies that secure their homes, condominiums, rental properties, cars, and watercraft. Additionally, the agents at this company carry umbrella insurance policies and pet insurance options. Some of their commercial insurance policies are workers' compensation insurance and cybersecurity insurance. Founded in 1967, the firm is family-owned.

License Verified:

License: 45922

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.0 / 5 (196)
Facebook
5.0 / 5 (22)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Best Agent Health Insurance logo
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License Verified:

License: 3322244

Colorado Department of Regulatory Agencies, Division of Insurance

Best Agent Health Insurance

12412 York Street, Thornton, CO 80241
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Business Description

Best Agent Health Insurance is a business that provides health insurance products for families and individuals who are not over 65 years old in Denver and the surrounding locations. The company's agent, Brian Albano, has been in the industry for the last 25 years. He advises and assists in selecting appropriate health insurance plans with coverage that meets each client's needs and objectives. He also offers new health insurance portfolios with benefits that include preventive care, doctor's office visits, and surgeries.

License Verified:

License: 3322244

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (29)
Google
5.0 / 5 (26)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
CO Health Brokers logo
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License Verified:

License: 454298

Colorado Department of Regulatory Agencies, Division of Insurance

CO Health Brokers

400 McCaslin Boulevard, Louisville, CO 80027
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  • Individual Plans
  • Life Insurance

Business Description

CO Health Brokers is an independent agency specializing in health insurance solutions. Catering to clients in Denver, it helps individuals, families, businesses, and entrepreneurs get policies that fit their needs. Senior citizens are also accommodated through Medicare policies. CO Health Brokers also carries life insurance products, including term life, permanent life, universal life, and variable life insurance. Jamie Smith, the president of the company, has been in the industry for more than 10 years.

License Verified:

License: 454298

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (122)
Facebook
4.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Commonwealth Insurance Brokers logo
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License Verified:

License: 350628

Colorado Department of Regulatory Agencies, Division of Insurance

Commonwealth Insurance Brokers

6000 East Evans Avenue, Denver, CO 80222
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  • Life Insurance

Business Description

Commonwealth Insurance Brokers is an independent insurance agency that has been operating in Denver since 2010. Its team of professionals assists clients in acquiring health insurance plans based on their needs and financial goals. The policies can cover access to doctors, hospitals, and rehab services. Medicare Supplement plans are also available for people aged 65 and above. The agency also specializes in life, auto, and business insurance. It offers assistance in financial management through its strategic partnership with financial specialist Jason Billingsley.

License Verified:

License: 350628

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (5)
Denver Insurance Connection logo
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Denver Insurance Connection

600 17th Street, Denver, CO 80202
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  • Individual Plans
  • Life Insurance

Business Description

Denver Insurance Connection is an independent firm serving customers in Denver. It works with several carriers to provide clients with an array of health policy options. The company’s team of agents helps in creating customized plans that suit a client’s specific health care needs and budget. Denver Insurance Connection is licensed to deliver health insurance products in the states of Colorado, Texas, Georgia, Wyoming, and Florida. Other available services include coverages for life, home, auto, and retirement.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (7)
HealthNetCO Insurance Agency logo
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License Verified:

License: 492634

Colorado Department of Regulatory Agencies, Division of Insurance

HealthNetCO Insurance Agency

12500 East Iliff Avenue, Aurora, CO 80014
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  • Life Insurance

Business Description

HealthNetCO Insurance Agency is an insurance agency that has been serving the Denver area for over three decades. It caters to individuals, families, and businesses, providing various health insurance coverage, such as Bronze, Silver, Gold, and Platinum plans, all designed to cater to the client's individual needs. The professionals in this company utilize updated technology to help clients easily shop and enroll in insurance plans. Moreover, HealthNetCO Insurance Agency has various carrier partners, including Anthem, Oscar, Bright Health, and the BlueCross BlueShield of Georgia.

License Verified:

License: 492634

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (3)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Insurance Group Of Denver logo
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License Verified:

License: 361652

Colorado Department of Regulatory Agencies, Division of Insurance

Insurance Group Of Denver

4600 South Syracuse Street, Denver, CO 80237
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  • Individual Plans
  • Life Insurance

Business Description

Insurance Group of Denver is an independent agency that has been operating in Denver since 2005. It offers different types of health insurance options such as EPO, HMO, POS, and PPO. The policies typically cover surgical, medical, and hospital costs and can also encompass mental health services, dental expenses, and prescription drug plans. The agency also specializes in life, business, property, and vehicle insurance. One of its agents, Dan Mahoney, has worked with Fortune 500 companies and managed small businesses before starting his insurance career in 2002.

License Verified:

License: 361652

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (40)
Facebook
5.0 / 5 (13)
Yelp
5.0 / 5 (4)
Integra Group logo
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License Verified:

License: 132975

Colorado Department of Regulatory Agencies, Division of Insurance

Integra Group

11172 Huron Street, Northglenn, CO 80234
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  • Individual Plans
  • Group Plans
  • Life Insurance

Business Description

Established in 2000, Integra Group puts value in protecting clients' financial security. It offers its services of providing thorough insurance products and planning to families, individuals, as well as small businesses around Denver. One of its primary services is to assist clients in the end-to-end enrollment process. This enables its team to check tax credits and cost sharing reductions that clients are eligible to avail. Integra Group also offers assistance in looking for suitable standard insurance policies, dental, life insurance, and final expense products.

License Verified:

License: 132975

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.4 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Madison Insurance Group logo
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License Verified:

License: 152887

Colorado Department of Regulatory Agencies, Division of Insurance

Madison Insurance Group

7600 E Eastman Ave, Denver, CO 80231
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  • Life Insurance

Business Description

Madison Insurance Group is a Denver-based insurance company that has been operating in the local area since 1995. It offers clients insurance products such as Medicare Supplement plans, group health insurance, long-term care insurance, and disability insurance. In addition, the company specializes in serving clients from the non-profit, manufacturing, construction, and wholesalers industry. Managing partner and founder Tom Young has a background in commercial banking and he has previously served as president of a local bank.

License Verified:

License: 152887

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.0 / 5 (21)
Facebook
4.0 / 5 (19)
Reents Insurance Agency logo
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License Verified:

License: 45377

Colorado Department of Regulatory Agencies, Division of Insurance

Reents Insurance Agency

10701 Melody Drive, Northglenn, CO 80234
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  • Individual Plans
  • Group Plans

Business Description

Reents Insurance Agency has been providing health insurance solutions to individuals and business owners in Denver since 1987. It offers health insurance policies to clients and assists them in securing short-term insurance coverage. It also assists businesses with 2-50 employees in determining group health plans for their employees. The insurance agents from this firm are also knowledgeable in Medicare and COBRA plans. They discuss available insurance options and guide clients in choosing one that suits their needs.

License Verified:

License: 45377

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
5.0 / 5 (6)
Yelp
4.5 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Roberts Insurance Group logo
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License Verified:

License: 152472

Colorado Department of Regulatory Agencies, Division of Insurance

Roberts Insurance Group

4610 South Ulster Street, Denver, CO 80237
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  • Individual Plans
  • Life Insurance

Business Description

Roberts Insurance Group is a full-service insurance firm that has been serving Denver and surrounding communities since 2001. This firm works with an elite group of health insurance carriers with national reach, including United Healthcare, Denver Health Medical Plan, and Rocky Mountain Health Plans. Its agents deliver health insurance plans designed specifically for the unique and individual needs of their clients. In addition, Roberts Insurance Group also offers Medicare Supplement and life insurance policies to individuals and families.

License Verified:

License: 152472

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.0 / 5 (37)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Tad Smith Health Insurance logo
Visit WebsiteWebsite

License Verified:

License: 126898

Colorado Department of Regulatory Agencies, Division of Insurance

Tad Smith Health Insurance

4710 Table Mesa Drive, Boulder, CO 80305
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  • Individual Plans

Business Description

Tad Smith Health Insurance is a firm that specializes in PPO alternative health insurance plans through the nationwide Cigna PPO network. The firm is owned and led by Tad Smith, a health insurance agent who serves clients from Denver and its surrounding areas. He offers a wide range of health insurance products for small businesses, individuals, and self-employed clients. Life insurance plans are also available. Smith has been working in the insurance industry since 2001.

License Verified:

License: 126898

Colorado Department of Regulatory Agencies, Division of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (9)
Google
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Introduction

If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

How can you find affordable health insurance? 

Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.

What is health insurance?

Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.

How do health insurance companies make money?

Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.

What is subsidized health insurance?

Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.

What is a health insurance deductible? 

A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.

Is it illegal to not have health insurance?

No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.

Does health insurance cover therapy? 

All Marketplace plans must cover behavioral health care services, including counseling, inpatient care, and substance abuse treatments. However, there are coverage limits, and preauthorization may be required.

What is a copay?

A copay is a fixed price that you pay at the time of service after your deductible is satisfied. Insurance companies set specific rates for primary and specialty care and other services, such as emergency room visits and X-rays. Alternatively, plans may have coinsurance rates that require beneficiaries to pay a certain percentage of covered charges.

What is the Health Insurance Marketplace?

The Health Insurance Marketplace is a federal service designed to help consumers compare and purchase subsidized health insurance plans that comply with the Affordable Care Act. A number of states operate their own insurance marketplaces, including California, Colorado, New York, and Pennsylvania.

How can you find health insurance without a job?

Individuals who don't have access to health insurance through their job can purchase ACA-compliant plans through the Health Insurance Marketplace. Off-exchange plans are also available through private insurers and independent agents. The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives certain individuals who are losing their coverage the right to maintain the same plan for a limited time period. 

Can you cancel health insurance at any time? 

Consumers can cancel their health coverage at any time. Cancellations may be effective immediately or at a specified date. However, you must wait until Open Enrollment to sign up for a new plan unless you qualify for a Special Enrollment period.

Can you have more than one health insurance policy?

It's possible to have primary and secondary health insurance. This is most common with Medicare and Medicaid beneficiaries, including dual enrollees and individuals who purchase supplemental plans. Secondary plans can cover some additional expenses, but you're still responsible for premiums and deductibles.

Is health insurance pretax?

Premiums for employer-sponsored health plans are generally deducted from the worker's pretax income. The same is true for voluntary contributions made to Flexible Spending Accounts and Health Savings Accounts that are paired with a qualifying high-deductible health plan.

How long can a child stay on a parent\'s health insurance policy?

Children can stay on their parents' health insurance plan until their 26th birthday. There's a 60-day special enrollment period following this date. Exemptions allow disabled adult children to remain on their parents' policy beyond this age.

Do you have to pay a health insurance deductible upfront?

In most cases, out-of-pocket expenses for approved services count toward your deductible. However, it's increasingly common for hospitals to request all or part of the deductible upfront when scheduling major services, such as CT scans and surgeries.

Do employers have to offer health insurance?

The Affordable Care Act requires companies with at least 50 full-time employees to make essential health benefits available to 95% of their workforce. Companies that choose not to offer such benefits may have to pay a penalty.

Is there a tax credit for having health insurance?

The Advance Premium Tax Credit is a federal tax rebate designed to lower the cost of health insurance plans purchased through the Marketplace. Eligibility is based on income and household size. Consumers can decide how much of their tax credit to put toward their premiums.

Read all FAQs