Personal professional enrollment support is available for all of the benefit plans listed on this page. Send your question by e-mail for fast OnlineAdviser response. Limited telephone support (800) 609-0683. Office hours posted daily on Twitter @FreedomBenefits   Most Liberal Eligibility Core Health Insurance - the nation's most popular defined benefit health plans with guaranteed acceptance from US Fire Insurance Company Pre-existing Condition Insurance Plan 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. Value Emergency Room - add $1,000 additional emergency room coverage for $1 per day for the whole family Most Affordable 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 Value Med Insurance - 3 question simple medical eligibility and immediate approval for supplemental doctor and hospital benefits Long Term Major Medical UnitedHealthcare - Golden Rule Insurance, a member of America's largest health plan Dental Insurance Secure DentalOne - one lifetime deductible of $100 and then up to $1,250 per year coverage UnitedHealthOne Dental & Vision - national PPO network of more than 73,000 providers Online Life Insurance Great Start Child Life Insurance - inexpensive permanent insurance that can be gifted by parents and grandparents Guarantee Trust term life Insurance - fast, easy and inexpensive online term insurance coverage up to $250,000 International Term Life - up to $2 million coverage issued by Lloyds online specifically for those who spend time outside of the US Simple whole life insurance - the fastest way to get affordable permanent coverage up to $50,000. Online underwriting, no exam. Smart term life insurance - up to $500,000 coverage directly online without an exam or blood test QuoteIntelligence Term life insurance - find the lowest rates, compare features & eligibility requirements and then apply online with the best insurance companies in less than 30 seconds.

Colorado health insurance exchange Twenty commercial health insurance companies offer individual health insurance policies in Colorado and 21 companies issue small group insurance. The state-sponsored high risk health plan for residents with pre-existing medical conditions is called "Cover Colorado". These standard policies may be more expensive than some residents can afford. Colorado also has an Indigent Care Program that is not health insurance but can help low income residents pay for medical services. This Web page lists some of the most popular low cost commercial health insurance plans and related benefits. All of these policies offer secure online enrollment and professional OnlineAdviser personal enrollment support. Please note that while many of these choices could be included in more than one of the suggested usage categories, each plan is listed only once for the sake of brevity. Your enrollment adviser is available to discuss suitability of any plan for your specific situation. Colorado insurance & benefit news 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). 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 Intermediate Term Inbound Immigrant - up to five years of liberal health insurance coverage after immigration including maternity coverage, emergency and other essential benefits Supplemental Insurance 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. Value Access Guarantee - everyone qualifies for this plan that pays in addition to any other insurance Colorado Insurance Law 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+). 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. See International Coverage and Travel Insurance Listings

Colorado Insurance News

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.