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OnlineNavigator insurance enrollment supportNeed help?

We make it easy to get friendly, personal and help with health care reform questions through two fast support options:

Email support:
Email support is available 24/7 usually with same day response. Address your message to

Telephone support:
Schedule telephone support with a call back at your convenience.

OnlineNavigator support is an independent service offered by Tony Novak, CPA, MBA MT subject to the adviser's schedule availability. This support is not intended to replace the services offered and available through other channels by your insurance company, insurance agents and health insurance navigators. Specifically, this service does not replace  online pricing and enrollment functions, billing, claims or administrative services and does not assist with Medicare or Medicaid plans.

See the OnlineNavigator web site for details on privacy policy and terms of service. 

Covering the Gaps in Obamacare

AUIC Deductible Supplement Insurance - three defined dollar benefit levels to add protection for unexpected hospital bills and other medical expenses left uncovered by primary insurance
AUIC Qualified Health Plan Supplement Insurance - no need to fear the out-of-pocket cost of doctor visits, hospital charges and other expenses left by primary medical coverage.
Health plans and resources for diabetics - a listing of the health plan options and other resources
Core Health Insurance - the nation's most popular defined benefit health plans with guaranteed acceptance from US Fire Insurance Company
Value 24 Hour Accident - up to $10,000 of supplemental health insurance coverage for emergency treatment of injuries at a cost of about $2 per day. Can be used as a stand-alone coverage or added to other insurance.

Most Affordable Supplemental Coverage

Value Med Insurance - 3 question simple medical eligibility and immediate approval for supplemental doctor and hospital benefits

Primary Individual Major Medical Through a Private Exchange

Members Health Insurance Exchange allows you to price and choose from among many of the nations leading major medical health insurance options from a wide range of carriers. Personal help is available through OnlineNavigator to help with your selection.

Dental and Vision Insurance

Core Dental Insurance - preventive, basic, and major dental expenses with the dentist of your choice. Shortest waiting period.
Secure DentalOne - one lifetime deductible of $100 and then up to $1,250 per year coverage
Dental, Vision and Hearing Insurance - no deductible option, use any dentist, ophthalmologist, optometrist, physician or audiologist, no networks!

Online Life Insurance

International Term Life - up to $2 million coverage issued by Lloyds online specifically for those who spend time outside of the US

Colorado health insurance news

by Tony Novak, CPA, MBA, MT     last updated: February 21, 2016

The two top priorities among individuals and small business who pay for their own health coverage is to find more affordable primary insurance and cover rapidly rising out-of-pocket medical costs that are not paid by primary health insurance.

Prior to implementation of the Affordable Care Act, twenty commercial health insurance companies offered individual health insurance policies in Colorado and 21 companies issued small group insurance. The state-sponsored high risk health plan for residents with pre-existing medical conditions was called "Cover Colorado". Colorado also has an Indigent Care Program that is not health insurance but can help low income residents pay for medical services.

Since the passage of federal health insurance reform law, individuals and small businesses (with less than 50 employees) in Colorado can now purchase health insurance through the federal heath insurance clearinghouse or through a number of privately operated insurance exchanges.

Non-insurance options, like Health Savings Accounts (HSA), Health Reimbursement Arrangements (HRA) and Flexible Spending Accounts (FSA) can be added as effective cost-control tools; ask your adviser for more information.

This Web page lists some of the most popular low cost commercial health insurance plans and related benefits. Freedom Benefits offers personal assistance with any insurance exchange or health reform issue through . Your enrollment adviser is available to discuss suitability of any plan for your specific situation.

Since 2014 the federally mandate essential insurance benefit plans have been available through the Colorado Health Benefit Exchange Website. The state insurance exchange is open now for coverage starting in 2016. Individuals without insurance right now should make arrangements for temporary coverage through a short term medical insurance policy until then. Covered health benefits under insurance purchased through the exchange in 2016 will be different than those offered though any 2015 health plans. The insurance plan that sets the benchmark for qualified coverage through the exchange is listed here and a list of state-mandated benefits can be found here.

Commercial insurance exchanges may also list less expensive insurance without the essential health benefits.

low cost health insurance

Colorado insurance and benefit pricing

The state of Colorado had the 20th lowest health insurance costs of all states in 2008 with an average family premium cost of $11,967 per year. (The average annual premium for a U.S. family covered under an employer-sponsored health plan in 2008 was $12,298 according to The Commonwealth Fund report. The overall quality of health care ranked 24th out of the 51 states (including DC).
The state ranked #2 in physical wellbeing (having good health and enough energy to get things done daily) according to a 2015 Gallup Healthways survey.
Colorado Division of Insurance drew attention by issuing a warning in July 2008 about small businesses that use HRA plans to  bypass the mandated benefits of business health plans. 

Short Term Insurance

Markel Smart STM - popular and affordable short term major medical insurance with fast online approval
Secure STM - along with its 12 month and 36 month options, this may be the highest quality short term coverage
Secure Lite STM - the lowest priced major medical insurance for 1 to 12 months
Secure Saver STM - $2 million maximum coverage for 1-12 months at an ultra-low rate

Colorado insurance law requires an applicant who had had two or more short term policies within the past twelve months to use a different insurance company if a subsequent policy is required.

Immigrant Insurance

Inbound Immigrant - up to five years of liberal health insurance coverage after immigration including maternity coverage, emergency and other essential benefits

Supplemental Accident Insurance

Consumers Direct Accident Medical - Protection UpgradeSM supplemental coverage for as little as $20 per month.
Smart Accident Insurance - supplemental coverage for emergency treatment of accidents and injuries for as little as $20 per month. Can be used as a stand-alone accident plan or to increase other insurance benefits.

low cost health insurance

Colorado insurance law and regulation

The Colorado Division of Insurance Web site contains basic information about various types of health insurance.  Colorado insurance law allows self-employed residents buy group health insurance for a one person business.
The state Division of Insurance can be reached by telephone at (303) 894-7490 or by mail at 1560 Broadway, Suite 850, Denver, CO 80202. The state children's health insurance plan (CHIP) Web site is Colorado Child Health Plan Plus (CHP+).

Small Business Employee Benefit Plans

Freedom Benefits offers professional help with setup of self-administered Health Reimbursement Arrangements (HRA), Premium Reimbursement Plans, Flexible Spending Accounts, Health Savings Accounts (HSAs) and insurance at a low price that any small business can afford.

Other resources for small business health plan compliance:
Colorado Dept. of Labor and Employment
Colorado Dept. of Revenue

Non-insurance Discount Plans

Careington PPO Discount Plans - the nation's leading network PPO discount provider allows a no-risk trial of any discount plan for only a $20 processing fee
Drug Card America - a free prescription drug card that an be used nationwide
Essential Dental Solutions - simple, inexpensive, no waiting period, up to $500 treatment per year
Rx Pay Card - $10, $20, or $30 payments for hundreds of popular prescriptions.


CallMD - Doctors and nurses literally on call 24/7 to answer questions, help with medical screening and write prescriptions saving you money with the most common types of medical care. $20 per month covers everyone in the household.

International Coverage and Travel Insurance

Colorado Insurance News

10/24/2015 Colorado residents will have a choice of 20 individual health insurance carriers are offering a total of 1,073 health plans for 2016 including three new carriers: Golden Rule Insurance Company, Aetna Health Inc. and Aetna Life Insurance Company. Rates will be 10% higher than in 2015 but some insurance plans will increase by 26%. Personal professional help is available to help with the the options. COlorado Health Institute spokesman is concerned that the high rate increase may trigger some policyholders to drop coverage.

10/20/2015 Colorado HealthOP will not offer coverage for 2016. Some of its 83,000 members are reportedly scrambling for alternate commercial insurance coverage while other reuse to accept the higher cost of the other available option. The coop ran substantial operating losses of $72 million in federal loans used to start and support the co-op. About 3,000 of its members were offered coverage through a small-business group policy and the rest bought individual converge. Employers should be careful of the tax impact that cancelling group health insurance may have on other health benefits. See

2/11/2014 Professional support for any health care reform issue is available free of charge through an arrangement with OnlineNavigator. All online inquiries are handled personally by Tony Novak, CPA. Online support is available through a number of popular social media channels including Facebook and Google+ as well as e-mail. Telephone support for insurance enrollment is available through Members Insurance Exchange at (800) 609-0683.

7/26/2013 Affordable Smart Term Life Insurance is now available to most Colorado residents from age 20 through 60 directly online with no physical exam, agent appointment or telephone verification. Most policies are issued on the same day with coverage amounts of $25,000 up to $350,000. The level premium life insurance is available for terms of 10, 15, 20 and 30 years. Sample rates for $150,000 coverage for a preferred risk male age 30, non-tobacco $30.85 per month; tobacco user $49.55 per month. A preferred risk female age 30 non-tobacco user would be $26.49 per month and a tobacco user would be $40.96 per month. Rates are higher for older applicants and lower health risks as described online. Pricing is based on input you provide about your medical history but, unlike most other life insurers, does not consider family medical history. Coverage is issued by innovative National Life Group, rated "A" by A.M. Best Company for 2013.

5/13/2013 Short term medical insurance underwritten by Markel Insurance Company has a 10% rate decrease for all new Colorado members enrolling on or after May 13, 2013.

2/22/2013 This page was updated to include a link to the insurance plan that will be used to determine specific "essential health benefits" for insurance that qualified for 2014 federal tax purposes. Also, a link to additional covered benefits required by state law. Non-qualified insurance is likely to continue to be available at a lower cost that does not include these benefits nor qualify for federal tax purposes.

2/19/2013 Celtic Insurance Company is not issuing individual insurance quotes for now due to required updates in the rating system and related regulatory approvals. No official date of return has been announced but we suspect it might be around May. For now, we suggest using one of the short term insurance plans listed above.

12/14/2012 Colorado is one of a minority of states that will run a health insurance exchange for individuals and small businesses that is not managed by the federal government. Consumer advocates who once viewed a state-run exchange as a positive are growing concerned that the state may not be fully committed to implementing all of the funding and features expected to be part of the federal health insurance exchanges that are expected to open in the fall of 2013.

2/1/2012 The Center for Consumer Information and Insurance Oversight, a division of the Center for Medicare and Medicaid Services (CMS) reported that as of June 30, 2011 United Healthcare Insurance Company, Kaiser Foundation Health Plan of Colorado and Rocky Mountain Hospital and Medical Service are the state's largest health insurance providers and as such, earn the right to set the benchmark for the development of the state's essential benefit plans to debut in 2014 under health reform law.

10/17/2011 State law S 128 Enacted as Chapter 133 on 5/3/2011 requires that insurance carriers that participates in the individual health insurance market issue child-only plans on a guaranteed-issue basis. Yet many the lowest cost policies are not affected by the law so child only coverage can be difficult to find. Benefits were expanded for fetal alcohol syndrome as long as such costs are not the financial burden of state government.

7/27/2011 Parents are reminded that the children's' health insurance open enrollment period ends on Sunday July 31 so applications should be submitted online before that date. See for details on the UnitedHealthOne insurance products.

5/6/2011 Today Colorado's interim insurance commissioner John J. Postolowski announced the results of a survey that showed that the number of small  businesses in the state providing health insurance to workers dropped sharply from 2009 to 2010. About 20,000 fewer people were covered by health insurance in 2010 and the number has fallen by about 50% over the past decade. The commissioner fell short of blaming the state's restrictive insurance laws that make coverage more expensive and has triggered the nation's most innovative insurance companies to withdraw from the state. Recently Celtic Insurance Company, for example, known for its innovative cost-cutting coverage nationwide, re-entered the Colorado Insurance market after being temporarily blocked from offering coverage under new state laws. The 2010 Colorado Small Group Market Activity and Rating Flexibility Report shows that 6 of the original 16 small business insurance carriers have withdrawn from the state over the past year.

3/1/2011 The 2010 Colorado Annual Health Cost Report is available online. The report provides insight into a number of health care finance issues, particularly emphasizing the financial differences between individual health insurance and group health insurance.

1/19/2011 Child-only health insurance for children with significant medical problems will be available through an open enrollment period mandated by federal state law during the months of January and July. All children, regardless of medical condition, continue to be eligible for insurance when applying as a dependent on a parent’s policy and healthy children are eligible for child-only insurance at any time. When applying for child-only insurance for more than one child, make a separate application for each child.

12/16/2010 Officials  from the Executive Office of the State of Colorado met representatives of 44 other states and numerous employees of the federal Health and Human Services Department in Washington DC this week for a two-day working meeting to discuss the next steps in establish a government-run health insurance exchange under the American Health Benefit Exchange Model Act. Their attendance at this meeting was paid for by a $1 million federal grant awarded by HHS in September to the state for research how to set up an insurance exchange. Two states (Alaska and Minnesota) declined to participate, saying that it was a waste of taxpayer money. Four other states (not identified in press reports) that received federal grants did not send representatives to the meeting. Attendees included representatives of 16 states that are suing the federal government in an attempt to overturn the federal health reform law; specifically the requirement that forces individuals to buy health insurance on the insurance exchange or pay a hefty tax fine.

In its initial federal grant request for the insurance exchange project, Colorado said that it would: 1) Create an interagency Exchange board, 2) Perform an insurance market and information technology assessment, develop an economic analysis of different options available for the Exchange, and design web services, 3) Convene community forums focusing on the development of a health insurance Exchange, and 4) Establish parameters for and the governance structure of a State Exchange.

The meeting reportedly did not address the role of the commercial health insurance exchanges on the implementation of new competing government systems. The model act does not address inter-state insurance exchange proposals nor insurance sales across state lines. Federal officials admitted that they may not be able to provide further guidance until 2012. Meanwhile, most states are motivated to continue to meet requirements to obtain additional funding promised by the federal government for the establishment of insurance exchange by 2014. Freedom Benefits has previously voiced the opinion that the huge amount of money being spent to set up alternate insurance sales system technologies could be better used providing health benefits to the public. We proposed on the Universal Health Insurance blog that adequate commercial insurance sales systems are already in place that could be modified in a public/private partnership to make health insurance more affordable.

7/15/2010 The new Colorado High Risk Insurance Pool called "GettingUSCovered" is now open through Rocky Mountain Health Plan and CoverColorado. This new open enrollment insurance is expected to provide coverage for about 4,000 previously uninsured Colorado residents at subsidized rate of $115 to $601 per month, depending on age for a $2,500 deductible single person coverage policy. A $90 million federal grant will subsidize the cost of the program until 2014.

5/14/2010 Diabetes Coverage: A new resource to help find health insurance for diabetics in Colorado is now available at Freedom Benefits.

3/23/2010 A proposed constitutional amendment that prevents citizens from being forced to purchase health care insurance has been proposed and the state attorney general says that the state will not enforce federal health care reform law. Colorado is considering joining a multi-state lawsuit to oppose federal health care reform.

3/13/2010 The bill intended to expand maternity and contraceptive coverage in individual policies and eliminating pregnancy as a pre-existing conclusion has been defeated. Maternity coverage will be available as an optional coverage.

Mission Statement| Editorial Policy| Privacy Policy| About Freedom Benefits| News| Investors

This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the other commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.