No law in the state of Colorado requires an employer to provide health insurance for the employees of the business; however, most employers do provide this insurance coverage.

However, under Colorado law, most people, with some exceptions, are required to have health insurance if they live in the state of Colorado as a resident. This means if they do not have health insurance from their employer, they must get their own coverage unless they are exempt.

The exemptions in Colorado are:

• Short-Term Visitors: Anyone in the state for less than three months is not required to have health insurance.
• Low Income: People below the limit required for filing federal taxes and those who would have to pay more than 8% of their income for health insurance do not have to buy it. They get Medicaid coverage for free instead.
• Other Exemptions: People who are not legally in the United States, those who are incarcerated, members of federally-recognized tribes, certain religious members, and those with hardships who apply for an exemption.

Health Insurance Consultation

For business owners who desire to provide health insurance for their employees and for those who are looking on their own for health insurance coverage for themselves and their families, consult with an agent at Colling Insurance Services Inc. serving Lakewood, CO, and the surrounding area.

Your agent will help you explore the options and bring some clarity to the variety of health insurance program choices for you to consider. The agents keep up with all the constant, ongoing changes, so you do not have to be concerned that you are making a bad decision when you work with an expert in health insurance.

To get help with all of your health insurance needs, contact your agent at Colling Insurance Services Inc. in Lakewood, CO for a health insurance review and to get a quote.

If you or a family member isn’t getting dental insurance through an employer you have to go to the marketplace to find a policy. If you already have a health insurance policy, will that interfere with your purchase of dental insurance? Do you have to purchase dental with regular health insurance, or can you purchase a dental plan by itself?

If you live in Lakewood, CO and need dental insurance, you actually have a choice as to how you decide to purchase it. At Colling Insurance Services Inc., we can help you find a plan that works with what you already have, or we can help you find a whole new plan. 

If your health plan includes dental, you will pay one premium to get all the services offered by your comprehensive plan. If you choose a stand-alone policy, you will have two different premiums. You can even choose dental coverage at a completely different company than the one one that services your health insurance.

Dental insurance is an essential benefit for children, but not adults, so health insurance plans must offer coverage to minors either as part of a comprehensive plan or as a stand-alone plan. Sadly, dental insurance isn’t considered essential for adults.

When choosing your plan, you will probably have to choose a higher premium with lower copayments and deductibles or a lower premium with higher copayments and deductibles. Think about whether you want to pay less every month and then pay more for services.

If you live in Lakewood, CO, you have choices when it comes to dental insurance. Call Colling Insurance Services Inc. today so we can help you explore your options.