Support Your Team with Smarter Employee Benefits
Build a Benefits Package That Works for Everyone
Flexible group health, vision, dental, and more
Offering competitive employee benefits can help your business stand out—and stay compliant. Whether you’re hiring your first employee or managing a growing team, Freedom Insurance works with Colorado employers to build group benefits packages that match your goals and budget. We explain what coverage types make sense, help compare quotes, and coordinate enrollment support—all with no pressure or unnecessary upselling.
What We Offer
Custom group plans for Colorado businesses
We work with trusted carriers to offer benefit options such as:
Group health insurance
(PPO, HMO, HSA-compatible plans)
Vision and dental coverage
Group life and disability insurance
Accident, critical illness, and hospital indemnity plans
Employee assistance programs (EAP)
Voluntary benefits for additional flexibility
We’ll help you balance cost-sharing, participation rates, and carrier requirements—so your plan is sustainable for your business and valuable to your team.
Who We Help
From small teams to growing employers
You don’t have to be a large corporation to offer meaningful benefits. We help:
Small businesses offering benefits for the first time
Companies adding voluntary or supplemental options
Teams transitioning off PEO or association coverage
Seasonal or part-time workforces with unique participation needs
We make the process simple—from carrier comparison to open enrollment to ongoing service.
Independent and Local
Freedom means having options
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Local Knowledge – Serving Broward, Palm Beach, and the entire state of Florida since 1999.
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Independent Advantage – We shop multiple carriers to get you the best value.
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Family-Owned Tradition – A third-generation agency built on trust and service.
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Comprehensive Coverage – From homes to cars, we protect what matters most.
Employee Benefits in Colorado
What employers need to know
Is group health insurance required for small businesses in Colorado?
Not legally required under state law, but employers with 50+ full-time equivalent employees must offer it under the ACA.
Can I offer benefits with fewer than 5 employees?
Yes, some carriers allow small groups with just 2 enrolled employees. We'll help determine eligibility.
What’s the difference between voluntary and employer-paid benefits?
Voluntary benefits are paid by the employee, while employer-paid options come from the company. We’ll help you blend both.
Do I need to offer the same plan to all employees?
Generally yes, but there are legal ways to structure tiers based on job class or eligibility.
How are premiums split between employer and employee?
You can choose your contribution level. We’ll help you set a structure that works financially and competitively.
