Business Details
Your Colorado Health Insurance Experts
Health Insurance Associates has been a trusted resource for health insurance guidance in Northern Colorado for over two decades. Our dedicated team specializes in helping individuals, families, and small businesses navigate complex insurance landscapes with personalized service. Certified through Connect for Health Colorado, we offer ACA-compliant plans, Medicare solutions, and small group options from leading carriers like Anthem, Cigna, and UnitedHealthcare. With expertise in both on-exchange and off-exchange marketplaces, we prioritize transparency and client education to eliminate confusion around premiums, deductibles, and coverage networks. Our approach combines local market knowledge with national carrier partnerships to deliver tailored solutions that align with clients' financial and healthcare needs.Through year-round enrollment support for employer groups and individual policyholders, we ensure access to comprehensive coverage regardless of enrollment period constraints. Our brokers maintain rigorous industry knowledge through continuous training on evolving healthcare regulations and plan structures. Whether clients require HMO, PPO, or HSA-compatible designs, we provide comparative analyses of premium costs, network breadth, and prescription drug coverage. Our commitment to long-term client relationships extends beyond initial enrollment, offering ongoing support for coverage modifications and claims assistance. By focusing exclusively on Colorado's insurance marketplace, we deliver both technical expertise and community-centered service that distinguishes us from national insurance platforms.
Services
Individual Insurance
Family Coverage
Medicare Plans
Small Group Options
Dental/Vision Insurance
Travel Insurance
HMO Plans
HSA-Compatible Options
Medigap Supplements
Connect for Health Colorado Assistance
Highlights and features
- We provide 24/7 personalized customer support via phone and email
- Our team consists of certified experts with extensive marketplace experience
- We offer year-round enrollment for small business health insurance plans
- Our brokers maintain active certifications through Connect for Health Colorado
- We serve all Colorado counties with localized insurance expertise
Associations and certifications
- Connect for Health Colorado
Services
Individual Health Insurance
Individual health insurance plans provide personal medical coverage through marketplace or private options. We help Colorado residents find ACA-compliant plans that match their specific healthcare needs and budget constraints. Our brokers compare available HMO, PPO, and HSA-compatible plans from major carriers to create customized coverage solutions.
Medicare Plans
We offer comprehensive Medicare guidance including Advantage, Supplement, and Part D prescription drug plans. Our Colorado-certified agents explain coverage options, compare carrier offerings, and ensure plan selection aligns with clients' medical providers and medication requirements across Fort Collins and statewide.
Small Group Insurance
Small business health insurance options remain available year-round with no enrollment deadlines. We provide tailored group coverage solutions that offer tax advantages for employers while ensuring employees access to quality healthcare plans through top Colorado carriers.
Dental Vision Insurance
We provide affordable dental and vision insurance plans available year-round. These plans complement primary health coverage through various benefit tiers, offering clients predictable costs for preventive care and essential treatments while maintaining flexibility in plan selection.
Connect for Health Colorado
As Connect for Health Colorado certified brokers, we guide clients through the state's official marketplace. We help with plan comparisons, subsidy eligibility determination, and enrollment for on-exchange plans while also offering off-exchange options from major carriers like UnitedHealthcare and Kaiser Permanente.
People
Michele Dubbert
Licensed Health Broker
Michele Dubbert brings over 20 years of local health insurance expertise to Colorado clients. Certified through Connect for Health Colorado, she specializes in ACA-compliant plans, Medicare solutions, and small group insurance. Her approachable style combines technical knowledge with personalized service to help clients navigate complex coverage options across Northern Colorado.
Questions
What health insurance options exist outside Open Enrollment?
Qualifying life events like job loss, relocation, or aging off parental coverage allow enrollment in individual plans year-round through Special Enrollment Periods.
How do HMO and HSA-compatible plans differ?
HMO plans offer lower premiums with coordinated care networks while HSA-compatible plans provide tax-advantaged savings for medical expenses with higher deductibles.
What Medicare plan types do you offer?
We provide Medicare Advantage, Medigap Supplements, and Part D drug plans from Colorado's top carriers with specialized guidance for prescription coverage and provider networks.
Can small businesses get health insurance year-round?
Yes, small group plans remain available year-round with tax advantages for employers and employees while offering PPO options not available in the individual market.
Do dental/vision plans require Open Enrollment?
No, dental and vision plans remain available year-round with flexible coverage levels from basic discount plans to comprehensive options.
How do you help with premium tax credits?
We determine eligibility for premium tax credits and cost-sharing reductions while comparing on-exchange and off-exchange plans to maximize financial assistance.
Reviews (1)
Julie Stephens
Jun 18, 2018
Report
Michele Dubbert of Health Insurance Associates is fantastic. Her quality of service is outstanding and I wouldn't dream of going anywhere else.
