If you’ve lost your job or found a new one that doesn’t offer insurance, then you may find yourself in the market for affordable insurance.  Major health insurance companies may say they can help you, but most are looking out for their own bottom line.  As an independent buyer of health insurance, you will need to look out for your own family budget.  This may mean shopping around until you find the right plan at the right price, but who has time for that?  A well educated health insurance broker will know a lot more about Colorado health insurance companies than you could ever learn on your own. They know which companies are looking out for the best interests of Colorado families, and which ones are focusing on group insurance plans.

You may have had a great health plan with Anthem or Rocky Mountain Health Plans through a former employer, but this doesn’t mean that same plan will be affordable for you now.  Most individual insurance buyers find that they can no longer afford to have a PPO plan with one of the top health insurance companies in Colorado.  Most families are forced to buy a high-deductible health plan that requires self-management of claims and deductibles.  This type of plan may have affordable monthly premiums, but most members only take advantage of the annual preventive care check-ups.

Rather than waiting until health insurance companies in Colorado come up with more affordable options for self-insured families, or going without any form of health insurance, it may be time to contact a health insurance broker.  The best brokers in Colorado know the health insurance companies inside and out; what their plans cover, what they don’t, how they rank in terms of customer satisfaction, etc.  Ideally, the plan you choose should match up to your families unique healthcare needs.  If your family is relatively healthy and only needs short-term catastrophic coverage, a broker may recommend a temporary plan or one that has low premiums and a higher deductible.  If you expect to be visiting a lot of doctors and going to a lot of doctor’s appointments, then a broker may recommend a lower cost PPO plan with a higher co-insurance option.

No matter what your healthcare needs, if you are buying health insurance without the help of an employer, you will need to explore your options before making a decision.  Why not work with a broker who is already familiar with Colorado’s health insurance companies?