Health Insurance for Colorado’s Independent and Self-Employed

Coverage When You Don’t Get It Through Work

Plans for freelancers, early retirees, and growing families

If you're self-employed, between jobs, or not offered health coverage through work, you still have options. At Freedom Insurance, we help individuals and families across Colorado find medical plans that provide peace of mind—without breaking the bank. From basic coverage to comprehensive care, our agents compare health insurance from multiple providers to match your needs and budget.

Your Health Insurance Options

Marketplace, private plans, and supplemental coverage

We’ll guide you through your choices, including:

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ACA Marketplace plans (Bronze, Silver, Gold tiers)

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Private insurance carriers not available on the exchange

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Short-term health plans

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HSA-eligible high-deductible plans

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Dental, vision, and accident supplements

We’ll also explain subsidies, open enrollment timelines, and how to qualify based on income or family size. Already have a plan but unsure if it's still right? We’ll review it with you.

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Why Work with an Independent Agent

Skip the call centers—get real advice

Trying to sort through your health insurance options online can be frustrating and unclear. We simplify the process. Freedom Insurance works with major Colorado carriers and understands the real cost of care. We help you balance premiums, deductibles, and out-of-pocket limits while avoiding surprise exclusions.

Individual Health Insurance in Colorado

Straight answers for real-life situations

  • What’s the difference between Marketplace and private plans?

    Marketplace plans qualify for government subsidies. Private plans don’t—but may offer different coverage levels or provider networks.

  • Can I get health insurance outside of open enrollment?

    Yes, but only if you qualify for a special enrollment period—such as losing employer coverage, moving, or getting married.

  • Is short-term insurance a good idea?

    It depends. These plans cost less but don’t cover everything. We’ll explain pros and cons so you can decide.

  • How do I know if my doctor is covered?

    We’ll check your provider against each carrier’s network, so you’re not guessing.

  • Do I need health insurance if I’m healthy?

    Emergencies happen. A broken bone, ER visit, or sudden illness can lead to high bills without coverage.