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2024

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Best Health Insurance Agencies in Fort Collins, CO

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Fort Collins Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

2573Reviewed

1548Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1001 East Harmony Road, Fort Collins, CO 80525

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

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.

  • Individual Plans

724 Whalers Way, Fort Collins, CO 80525
WebsiteLicense: 115073

Expertise.com Rating

Review Sources

Google
5.0 (15)

Why choose this provider?

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.

  • Life Insurance

1336 Oakridge Drive, Fort Collins, CO 80525
WebsiteLicense: 22685

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

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.

  • Individual Plans
  • Group Plans
  • Life Insurance

1501 South Lemay Avenue, Fort Collins, CO 80524
WebsiteLicense: 700468

Expertise.com Rating

Review Sources

Google
5.0 (230)
Facebook
4.0 (42)

Why choose this provider?

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.

  • Individual Plans
  • Group Plans

343 West Drake Road, Fort Collins, CO 80526
WebsiteLicense: 606867

Expertise.com Rating

Review Sources

Google
5.0 (30)
Facebook
5.0 (6)

Why choose this provider?

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.

  • Individual Plans
  • Life Insurance

2114 North Lincoln Avenue, Loveland, CO 80538

Expertise.com Rating

Review Sources

Google
4.9 (11)
Facebook
5.0 (2)

Why choose this provider?

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.

  • Life Insurance

5125 South College Avenue, Fort Collins, CO 80525
WebsiteLicense: 370628

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

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.

  • Life Insurance

421 Stover Street, Fort Collins, CO 80524
WebsiteLicense: 315424

Expertise.com Rating

Review Sources

Google
5.0 (18)

Why choose this provider?

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.

  • Individual Plans

2627 Redwing Road, Fort Collins, CO 80526
WebsiteLicense: 279892

Expertise.com Rating

Review Sources

Google
5.0 (22)

Why choose this provider?

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.

  • Individual Plans

608 East Harmony Road, Fort Collins, CO 80525
WebsiteLicense: 101859

Expertise.com Rating

Review Sources

Google
5.0 (8)
Facebook
5.0 (1)

Why choose this provider?

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.

  • Individual Plans
  • Life Insurance

1520 East Mulberry Street, Fort Collins, CO 80524
WebsiteLicense: 137186

Expertise.com Rating

Review Sources

Google
5.0 (7)
Facebook
5.0 (2)

Why choose this provider?

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.

  • Individual Plans
  • Group Plans
  • Life Insurance

1531 Riverside Avenue, Fort Collins, CO 80524
WebsiteLicense: 45177

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

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.

  • Life Insurance

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Colohealth
1001 East Harmony Road, Fort Collins, CO 80525
Alan Romero Agency
724 Whalers Way, Fort Collins, CO 80525
Volk Insurance Benefits
1336 Oakridge Drive, Fort Collins, CO 80525
Sage Benefit Advisors
1501 South Lemay Avenue, Fort Collins, CO 80524
Harmony Insurance Advisors, Inc.
343 West Drake Road, Fort Collins, CO 80526
Colorado Insurance Store
2114 North Lincoln Avenue, Loveland, CO 80538
Health Insurance Associates
5125 South College Avenue, Fort Collins, CO 80525
Trozan Insurance
421 Stover Street, Fort Collins, CO 80524
Choice City Health
2627 Redwing Road, Fort Collins, CO 80526
Kevin Best
608 East Harmony Road, Fort Collins, CO 80525
Plummer Insurance Inc
1520 East Mulberry Street, Fort Collins, CO 80524
Skies West Insurance Agency, Inc.
1531 Riverside Avenue, Fort Collins, CO 80524

FAQs

  • 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.

  • Is health insurance required for Fort Collins residents?

    No, health insurance is not required for residents of Fort Collins, as it is no longer a requirement for the rest of the state. This began with the elimination of the federal insurance mandate in 2017. Regardless of the lack of requirements, health insurance is still recommended for residents to have protection from high medical costs.

  • How much does health insurance cost in Fort Collins?

    Health insurance in Fort Collins and the rest of the state costs an average of $369 for each person for a medical health insurance policy. Prices vary, and the insurance premium can get lower or higher depending on various factors, such as the current health status of the policyholder.

  • How did the ACA affect the lifetime and annual limits of health insurance plans of Fort Collins residents?

    The ACA removed the lifetime and annual limits for the essential health benefits of most Fort Collins health insurance. Plans within or without a healthcare network cannot have such limits, except for the annual limits of grandfathered plans. Such plans cannot be grandfathered in if they have seen material changes that have raised premiums or decreased benefits. Lifetime and annual limits may still exist for short-term policies and healthcare services not deemed essential health benefits.

  • What does the ACA consider as “essential benefits,” which Fort Collins health insurance providers cannot put lifetime or annual limits on?

    The ACA considers the following as “essential benefits,” which Fort Collins health insurance providers cannot put lifetime or annual limits on:

    • Ambulatory or outpatient care.
    • Hospitalization.
    • Emergency and laboratory services.
    • Services on substance use and mental health disorders, including treatments for behavioral health such as psychotherapy and counseling.
    • Habilitative and rehabilitative devices and services.
    • Chronic disease management.
    • Wellness and preventive services.
    • Pediatric services that include vision and oral care.
    • Prescription drugs.
    • Maternity, pregnancy, and newborn care.
  • In 2023, did the cost of health insurance in Fort Collins increase?

    Yes, health insurance costs increased in Fort Collins and the rest of Colorado in 2023. According to Colorado's Division of Insurance, the average increase for all coverage types and age groups is almost 10.4%. The average cost of a policy for a mid-ranged silver insurance plan for a person aged 40 increased by 19.6% from 2022 to 2023, soaring from $409 to $489 per month. The increase is just second to the state of Georgia.

  • 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.