Erickson Financial Services, Inc. &
Emmett J. King, LLC
Colorado Health Insurance Broker & Group Benefits Adviser
Colorado Health Insurance Plans for Individuals & Families
Erickson Financial Services, Inc. offers a wide selection of quality Colorado Health Insurance plans. Click on a logo to view plans and rates.
Tax Credits, to offset the cost of health insurance premiums, are available to qualifying individuals and families.
Whether you need basic or comprehensive coverage, Anthem BCBS offers a range of various different HMO plan options, giving you the flexibility to choose a plan that will best suit your needs. A referral is NOT required to see a networked specialist.
During Open Enrollment or Special Enrollment, coverage is guaranteed, regardless of health status.
Kaiser Permanente offers a variety of ACA Compliant health plans in Colorado Springs, Denver/Boulder and Northern Colorado Areas. Kaiser Permanente is competitively priced and offers an HMO network with the freedom to see a specialist WITHOUT a referral.
Cigna offers ACA compliant plans along the Front Range. Click below for rates and plan details.
Are ALL Plans Now ACA Compliant?
All Bronze, Silver, Gold and Platinum plans are ACA compliant for applicants over the age of 30. Applicants under the age of 30 may purchase a Castrophic, Bronze, Silver, Gold or Platinum plan. Catastrophic plans are priced lower than Bronze plans, and are intended to be an incentive for the "young and invincible" market to purchase health insurance. People with "hardship exemptions" may also purchase a catastrophic plan. Please contact us if you wish to apply for a "hardship exemption". We can point you in the right direction. Be careful. The various different carrier websites will provide quotes for "Catastrophic" plans, even for people 30 and over. If you are 30 and over, do not have a hardship exemption, and purchase a catastrophic plan, you will be required to pay a tax penalty for non-compliance.
When Will My Coverage Begin?
Coverage generally begins first of month following date of enrollment provided the application is completed by the 15th of the month prior during the open enrollment season. However, for special enrollments due to life changing events, some carriers will allow you to apply up until the last day of the month. For life changing events, there is a 60 day grace period to turn in an application outside of the Exchange. With Connect for Health CO, life changing events must be reported within 30 days. Colorado Choice is an open access HMO. A referral is NOT required to see a networked specialist. Colorado Choice offers a unique portfolio of health insurance products and excellent service. Contact us for a quote with plan details.
Bright Health is a new health insurance option in Colorado. It was built from the ground up, with health care partner Centura Health and their extensive network of caring physicians. Click the link below to view rates and plan details.