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:
ACA Marketplace plans (Bronze, Silver, Gold tiers)
Private insurance carriers not available on the exchange
Short-term health plans
HSA-eligible high-deductible plans
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.
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.
Who Needs Auto Insurance in Florida?
Every Florida driver needs protection, but some situations make coverage even more essential:
- Commuters – Facing daily traffic on I-95, I-75, and local highways.
- Families – Protecting multiple drivers and vehicles.
- Motorcycle & Classic Car Owners – Specialized coverage for unique vehicles.
- Local Residents – Facing South Florida’s storms, floods, and uninsured drivers.
Local Risks to Consider
Living in Broward, Palm Beach, and the entire state of Florida means facing unique risks:
- Severe Storms & Hurricanes – High winds and flooding can cause costly vehicle damage.
- Heavy Traffic – Increases the likelihood of accidents and repairs.
- Uninsured Drivers – Florida has one of the highest uninsured driver rates in the U.S.
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.
Protect Your Car with Confidence
Get the Right Auto Insurance in Florida
At The Marcus Group, we treat your protection like it’s our own. With decades of experience, local knowledge, and access to multiple carriers, we’ll make sure you have the right auto insurance for peace of mind on South Florida’s roads.
