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 Colorado and 31 states. (Ryan Michalek, NPN 21043091.)
Often, yes, after a qualifying event; many private plans enroll year-round.
Yes, statewide.
No.
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.