Group Health Insurance Plans
The vast majority of Americans are insured through an employer based health plan. In Colorado group plans must accept applicants regardless of medical conditions. Small group rates (1-50 employees) can vary due to demographic reasons or the nature of your business. Beginning January 1st, 2009 rates cannot vary due to health issues. While this is great for businesses with unhealthy employees or dependents, it raises premium rates for all groups and reduces the number of plan options available. Another factor causing group rates to be higher than individual rates is that group plans include maternity coverage.
Colorado is one of the only states that allows the self-employed to obtain insurance through the group market or the individual market. There are number of obstacles making it tricky to apply for coverage in the group market which I am happy to discuss with you.
I am able to provide my clients with quotes from all the major carriers in Colorado. Contact me for a census form to begin the process.
I work with the following companies:
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Joel Rosenblum is the owner of Insurance for Asset Protection. IAP provides health insurance plans, including individual, group, and medical supplements, and life insurance plans in Colorado.
Joel Rosenblum, Owner
Insurance for Asset Protection
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