Colorado has one of the highest rates of self-employment and small business in the country — freelancers, contractors, outdoor-industry pros, and solo founders who all need their own coverage. I help individuals, families, and businesses across Colorado — from Denver, Colorado Springs, and Aurora to Fort Collins and Boulder — find private under-65 plans that fit.
Colorado runs its own state exchange — Connect for Health Colorado — where residents enroll in ACA marketplace plans that are guaranteed-issue and subsidy-eligible if you qualify. But for healthy self-employed Coloradans who earn too much for subsidies, the full-price premiums can sting. Private under-65 plans often offer PPO-style flexibility and year-round enrollment as an alternative. I help you weigh both honestly.
Independent means I work for you, not one insurer — I compare your real options and recommend what actually fits. One licensed advisor, start to finish. Licensed in 31 states, including Colorado. (Ryan Michalek, NPN 21043091.)
It depends on the coverage. ACA marketplace plans are generally only open once a year unless you have a qualifying life event, like losing a job, getting married, or having a baby — that opens up a special enrollment window. Private under-65 plans are a different story; many of them let you enroll pretty much any time, which is often the better fit if you missed open enrollment.
Yes, all of it. I work by phone and video, so it doesn't matter if you're in Denver, Colorado Springs, or a small mountain town — the process is the same, and we can usually get everything sorted without you leaving the house.
No. I'm paid a commission by the insurance carrier when you enroll, the same way an in-house agent would be, so there's no charge to you for my time, no matter how many plans we compare.
Buying your own coverage as a freelancer, contractor, or solo business owner.
Explore self-employed →Coverage for your household, built around your budget and doctors.
Explore family coverage →COBRA ending, between jobs, or losing a plan? Move fast and avoid a gap.
See gap options →Covering a team? Explore small business & group coverage → · See all service areas →
A relaxed, no-obligation call — I'll weigh your Colorado options together and you choose what fits.