Expertise.com

Best Health Insurance Agencies in Fort Collins

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Health Insurance Agencies FAQs

Learn more
Alan Romero Agency logo
Visit WebsiteWebsite

License Verified:

License: 115073

Colorado Department of Regulatory Agencies, Division of Insurance

Alan Romero Agency

724 Whalers Way, Fort Collins, CO 80525
Visit WebsiteWebsite
  • Life Insurance

Business Description

Goosehead Insurance - Alan Romero Agency is an independent health insurance firm located in Fort Collins. With 21 years of experience, Alan Romero interacts with clients to get thorough information on their financial condition, objectives, and priorities. From then, the process of developing a suitable health policy for valuables or loved ones occurs. Some of the firm’s 75 insurance providers include Hippo, Homeowners of America, Safeco Insurance, and Nationwide. Alan Romero Agency also offers life, auto, home, and general liability insurance.

License Verified:

License: 115073

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 (15)
Choice City Health logo
Visit WebsiteWebsite

License Verified:

License: 279892

Colorado Department of Regulatory Agencies, Division of Insurance

Choice City Health

2627 Redwing Road, Fort Collins, CO 80526
Visit WebsiteWebsite
  • Individual Plans

Business Description

Located in Fort Collins, Choice City Health is a health insurance agency that has been serving Colorado locals since 2004. It specializes in Medicare health plans and offers personalized Medicare packages with options to include hospital, medical, Medicare Advantage, and prescription drugs coverage. Choice City Health aims to make comprehensive health insurance more accessible by simplifying the Medicare process. Dana Griffin, the agency's owner and principal agent, has been in the industry since 2002 and has been a United Healthcare top producer since 2008.

License Verified:

License: 279892

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 (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
Colohealth logo
Visit WebsiteWebsite

Colohealth

1001 East Harmony Road, Fort Collins, CO 80525
Visit WebsiteWebsite
  • Individual Plans

Business Description

ColoHealth offers life insurance to individuals and families of the Fort Collins area. Established by Wiley Long in 2001, ColoHeath aims for clients to have an option in choosing a health plan that fits their needs. Available plans include Anthem BlueCross BlueShield, Rocky Mountain Health Plans, and Friday Health Plans. ColoHeath specializes in assisting clients who don't qualify for subsidies through the Affordable Care Act. Alternative plans are such as OneShare Health, a non-insurance, are also available.

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 (1)
Colorado Insurance Store logo
Visit WebsiteWebsite

Colorado Insurance Store

2114 North Lincoln Avenue, Loveland, CO 80538
Visit WebsiteWebsite
  • Life Insurance

Business Description

Colorado Insurance Store helps individuals and families in Fort Collins find suitable health insurance policies. The company works with multiple insurance carriers, including Anthem and Kaiser, and offers employee benefits plans. Its specialists assist clients who are turning 65 in exploring their Medicare insurance options, which include Medicare Advantage and Medicare Supplement plans. A native of Loveland, owner Christopher Marr has been an insurance professional for over 19 years. He is also an avid cyclist, golfer, and consumer advocate.

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
4.9 / 5 (12)
Facebook
5.0 / 5 (2)

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
Harmony Insurance Advisors, Inc. logo
Visit WebsiteWebsite

License Verified:

License: 606867

Colorado Department of Regulatory Agencies, Division of Insurance

Harmony Insurance Advisors, Inc.

343 West Drake Road, Fort Collins, CO 80526
Visit WebsiteWebsite
  • Individual Plans
  • Life Insurance

Business Description

Harmony Insurance Advisors, Inc., offers health insurance services to families and businesses in Fort Collins and the surrounding communities. As an independent agency, it provides clients with diverse choices when it comes to policy shopping. The agency provides coverage for major medical conditions, short-term medical plans, senior medical insurance, and Medicare Supplemental insurance. Group health insurance policies are also available. It was founded by Brett and Tania Piezle, husband and wife, who are both seasoned insurance advisors.

License Verified:

License: 606867

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 (30)
Facebook
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
Health Insurance Associates logo
Visit WebsiteWebsite

License Verified:

License: 370628

Colorado Department of Regulatory Agencies, Division of Insurance

Health Insurance Associates

5125 South College Avenue, Fort Collins, CO 80525
Visit WebsiteWebsite
  • Life Insurance

Business Description

Health Insurance Associates is an insurance agency specializing in providing health insurance solutions for clients in Fort Collins and the surrounding areas. The company offers individual and family health plans to clients experiencing life-changing events, like a divorce, a move, or loss of employer coverage. Medicare plans are available for senior citizens. Small business owners can also acquire small group health plans that benefit employees and employers alike. Health Insurance Associates also offers dental, vision, and travel insurance plans.

License Verified:

License: 370628

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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Kevin Best logo
Visit WebsiteWebsite

License Verified:

License: 101859

Colorado Department of Regulatory Agencies, Division of Insurance

Kevin Best

608 East Harmony Road, Fort Collins, CO 80525
Visit WebsiteWebsite
  • Individual Plans
  • Life Insurance

Business Description

Kevin Best provides risk management solutions from his Fort Collins office. Affiliated with State Farm, he can furnish different types of protection plans, including individual health insurance which is designed for professionals without employer-sponsored medical coverage. Furthermore, he also provides Medicare Supplement insurance policies. The longtime Greeley resident has been a State Farm insurance professional for more than two decades. Prior to venturing into risk management, Best worked as an accountant for over a decade.

License Verified:

License: 101859

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 (8)
Facebook
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Plummer Insurance Inc logo
Visit WebsiteWebsite

License Verified:

License: 137186

Colorado Department of Regulatory Agencies, Division of Insurance

Plummer Insurance Inc

1520 East Mulberry Street, Fort Collins, CO 80524
Visit WebsiteWebsite
  • Individual Plans
  • Group Plans
  • Life Insurance

Business Description

Plummer Insurance, Inc., is an independent agency that has been serving Fort Collins since 1927. It offers personal health insurance, as well as group health plans as part of the employee benefits package for businesses. The team also specializes in agricultural, life, and classic car insurance. With the goal of giving back to the community, the agency conducts an annual program for its staff who volunteers for charities and community programs. It has now contributed almost 500 hours of community service.

License Verified:

License: 137186

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 (7)

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
––
Sage Benefit Advisors logo
Visit WebsiteWebsite

License Verified:

License: 700468

Colorado Department of Regulatory Agencies, Division of Insurance

Sage Benefit Advisors

1501 South Lemay Avenue, Fort Collins, CO 80524
Visit WebsiteWebsite
  • Individual Plans
  • Group Plans

Business Description

Sage Benefit Advisors is a health insurance company that operates in Fort Collins. Its agents offer to review each client's financial status, tax history, and income information to find suitable individual and group plans. It also explains each plan and its options, from short-term contracts to long-term care policies. The company employs nine different agents with over 50 years of combined experience and with specialization in individual and medicare plans. It is also certified as an enrollment center for Connect for Health Colorado.

License Verified:

License: 700468

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 (230)
Facebook
4.0 / 5 (42)

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
––
Skies West Insurance Agency, Inc. logo
Visit WebsiteWebsite

License Verified:

License: 45177

Colorado Department of Regulatory Agencies, Division of Insurance

Skies West Insurance Agency, Inc.

1531 Riverside Avenue, Fort Collins, CO 80524
Visit WebsiteWebsite
  • Life Insurance

Business Description

Skies West Insurance Agency, Inc., has been serving Fort Collins for 40 years. This independent and family-owned agency offers life insurance solutions to individuals and employers. The company also specializes in business, home, and auto insurance. It works with several insurance carriers and its team of professionals aims to help clients find the right policy that fits their insurance needs. These professionals, as well as the agency's principal, have decades of experience in the insurance industry.

License Verified:

License: 45177

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 (2)
Trozan Insurance logo
Visit WebsiteWebsite

License Verified:

License: 315424

Colorado Department of Regulatory Agencies, Division of Insurance

Trozan Insurance

421 Stover Street, Fort Collins, CO 80524
Visit WebsiteWebsite
  • Individual Plans

Business Description

Trozan Insurance Agency is a local health insurance provider that serves Fort Collins and the neighboring areas. It specializes in offering products from Medicare, including extended care and long-term care coverages. Its experienced agents and consultants also help its clients understand the requirements to qualify for Medicare and strategize the best use of their plans. Some of the offerings it has are Medicare Advantage, Medicare Supplement, and Medicare Part D plans. Trozan Insurance Agency has been in the industry for over 20 years.

License Verified:

License: 315424

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 (18)

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
Volk Insurance Benefits logo
Visit WebsiteWebsite

License Verified:

License: 22685

Colorado Department of Regulatory Agencies, Division of Insurance

Volk Insurance Benefits

1336 Oakridge Drive, Fort Collins, CO 80525
Visit WebsiteWebsite
  • Individual Plans
  • Group Plans
  • Life Insurance

Business Description

Volk Insurance Benefits is an insurance brokerage firm that operates independently. It is partnered with multiple carriers, providing individuals and businesses in Fort Collins with insurance options that best fit their needs. The specialists in the agency provide clients with information on the changing trends and competitive benefits available. Volk Insurance Benefits offers a variety of Medicare plans such as Medicare Supplements, Medicare Advantage, and prescription drug coverage. It also offers other services such as employee benefits and individual insurance.

License Verified:

License: 22685

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 (2)

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