Small businessSmall business · Northern Colorado
Benefits for your business,
from people who live here.
Group health, dental, vision, life and disability for companies with up to 50 people. We compare the carriers and set it up.Group health, dental, vision, life and disability for Northern Colorado companies with up to 50 people. We compare the carriers that sell here, set the plan up, and answer your employees’ questions for as long as you have it.
- Plans compared across carriers
- We do the paperwork
- The same people at every renewal
Where are you starting?Where are you starting from?
We don’t offer anything yet
How a group plan works in Colorado: who counts toward it, what a carrier asks of you before it will write one, and what the first year looks like.
Our renewal just came
Send it to us before you sign it. We read the increase, quote the other carriers, and tell you plainly when staying put is the better call.
We’re looking at alternatives
A group plan, an allowance employees spend on their own plan (a CHOICE arrangement, formerly called an ICHRA), or a QSEHRA. We work with all of them, so we have no reason to push you toward one.
Plan year 2027
What 2027 renewals look like here
The Colorado Division of Insurance approved these average changes for small group plans starting in 2027. Your own renewal can land above or below the average, which is why we read it with you.
Colorado, statewide average
14%
Approved average change
Boulder County
15.2%
Approved average change
Larimer County
10.8%
Approved average change
Weld County
11.4%
Approved average change
Colorado Division of Insurance, final approved 2027 premiums (September 22, 2026). Checked October 11, 2026.
More than a health plan
Health coverage is where most owners start. Dental, vision, life and disability can sit beside it, or stand on their own.
Group health
Medical coverage for you and your employees. You choose the carrier, the plans on offer, and the share of the premium you pay.
Dental and vision
Paid by you, split with your employees, or offered as voluntary coverage they pay for themselves. You can offer them without a health plan.
Life and disability
Basic life insurance, and short- and long-term disability, which pays part of a paycheck while somebody can’t work.
Two people is enough
Even a two-person company can usually offer dental and vision. Most carriers will write an employer-paid plan once two people enroll.
How it works
Four steps, and the last one doesn’t end.
Tell us about your business
A short form: how many people work there, what you offer now, and when it renews. If a quote needs a list of your employees’ ages and ZIP codes, we’ll show you what goes on it and what never does.
We compare plans across carriers
We quote the carriers that sell small group in Colorado and lay the options side by side: what each costs you, and what it costs your people.
You choose, and we do the paperwork
You pick the plans and the share you pay. We handle the applications and the enrollment. Already have a plan? Moving it to us takes a signed letter to each carrier.
We stay all year
Employee questions, people joining and leaving, and the renewal when it comes. You call the same people every time.
Who you’ll talk to
Licensed advisors in Fort Collins
Each of us works with small businesses as well: group health, dental, vision, life and disability.
Over 50 employees, or curious about level-funded plans?
Most of our work is with smaller companies, but the same form works for a larger one, and for a group that wants to look at level-funded coverage. Tell us your headcount and we’ll take it from there.
Questions owners ask us
Do I have to offer health insurance if I have fewer than 50 employees?
No. The federal requirement to offer coverage, and the penalty that comes with it, starts at 50 full-time-equivalent employees. Under that line, a health plan is a choice you make to hire and keep people, not a rule you have to meet.
Colorado doesn’t add a requirement of its own. What it does add, through its paid leave program, is a payroll premium that applies whether or not you offer insurance.
Can I cover just myself and one employee?
Yes, as long as that employee isn’t an owner or an owner’s spouse. Colorado leaves owners, their spouses and partners out of who counts as an eligible employee, so a company made up only of owners can’t buy a group health plan.
One employee on payroll who isn’t an owner is enough. If only one person enrolls, the carrier will ask for wage records to show the business has employees on the books.
If it really is just you, or you and your spouse, individual coverage is the route, and that’s something we do every day.
Is there a minimum I have to pay, or a minimum number of people who have to enroll?
Not in Colorado law. The state sets neither, so each carrier sets its own, and across the carriers selling small group here the enrollment rules run from no minimum at all to most of your eligible employees.
People who decline because they’re covered somewhere else usually don’t count against you. And once a year, from November 15 to December 15, a business that can’t meet a carrier’s rules can still start a plan on January 1.
What is the November 15 window?
It’s a month, November 15 to December 15 every year, when a small business can start a group plan on January 1 without meeting the carrier’s usual enrollment or contribution rules. Federal rules don’t let a carrier hold a group to those rules during that month.
It exists for the company with two of five people already covered through a spouse, or the owner who can’t pay half yet. The application has to be in by the day the window closes; some carriers take the rest of the paperwork into late December, but not the application. Start in October or early November rather than the second week of December.
Can I offer dental and vision without a health plan?
Yes. Dental, vision, life and disability plans are sold on their own, and most carriers will write an employer-paid plan for a company with only a couple of people enrolled.
It’s a common first step for a business that isn’t ready to pay for health coverage, and it costs a fraction of it.
What does a broker cost my business?
Nothing directly. The carrier pays us a commission that’s already in the premium, and the premium is the same whether you use us, another broker, or no broker at all.
Before you appoint us on a health, dental or vision plan, we tell you in writing what we expect to be paid. Federal law requires that disclosure, and we’d give it to you anyway.