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small business health insurance Colorado

Build Your Own
Customized Group
Health Insuranc
e Plans
Find the best plan at the lowest price

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Our No-Cost Concierge Level Broker Services Makes Onboarding Easy 

small business health insurance Colorado

Ongoing Support

If you need help related to your health insurance or employee benefits, we are always available to help via email, phone or text.

small business health insurance Colorado

Lowest Price Guaranteed

Health insurance prices are standardized by law. No insurance company, agency or broker will have lower prices than we do.

small business health insurance Colorado

No Agenda Service

The right solution matters. We will help you quickly identify the right health insurance plan for your business and your budget.

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 "Whether you are looking for the lowest price or a robust benefits package to attract and retain the best employees, we have the right solution for you."

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Talk to a Local Agent 


"Great to work with! Positive approach and responds quickly and efficiently!"


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"... provided me first with personal healthcare and then my entire company with a business plan. He has been very helpful and personable."


 Affordable Colorado group health insurance options.

Managing employee benefits can be tough for business owners, especially health insurance. But don't worry, our team can help you choose the perfect plan based on your budget and employee needs. We believe every business deserves affordable, high-quality health insurance.

Let us assist you so you can focus on running your business.

small business health insurance Colorado

Self funded plans are a game-changer for small employers. If your employees are generally healthy, you can enjoy lower monthly premium rates compared to traditional major carrier plans. Moreover, if employee claims are minimal at the end of the year, you could be eligible for a partial refund on premiums paid. To enroll in this plan, your employees will be asked to fill out a secure and confidential health questionnaire. Pricing will depend on your group's overall health.


With self funded a.k.a. level funded plans, you can take advantage of the "reference-based pricing," option, which allows insured individuals to visit any doctor or healthcare facility without any network restrictions, thereby reducing premium costs even further. If you're interested in learning more about this plan and maximizing its cost-saving benefits, BeneFix offers complimentary consultations to help you get started.

Are high premiums for group health plans taking a toll on your small business? You may want to look into an Individual Coverage H.R.A. instead. With an I.C.H.R.A., you can reimburse your employees for their individual health insurance plans without having the burden of paying 50% of the premium, which is required in group plans.

There's no minimum employee participation requirement, which makes implementing the plan easier for small businesses. You also have the flexibility to reimburse different amounts to different employee groups. The reimbursement is not taxable for the employer and is not subject to employee tax. This means that both you and your employees can save money on

healthcare costs. Additionally, with dozens of individual plan options available,

your employees can choose a plan that suits them best.


While modest software service fees and the lack of PPO network access could be concerns for some employers, the affordability of an I.C.H.R.A. is a major advantage. The unparalleled flexibility offered by this option may be the perfect way to meet your businesses needs.


If you're interested in knowing more about the benefits of an Individual Coverage H.R.A., we'd be happy to discuss them with you and answer any questions you may have. 

small business health insurance Colorado
small business health insurance Colorado

Group health plans from the major carriers in Colorado generally offer the best combination of benefits and provider networks. PPO and EPO networks are available. On the Silver metal tier plans and above, the plans have excellent benefits across the board, including RX, Acupuncture, Chiropractic, Co-pay, Labs and others. 

If attracting and retaining the top talent in your industry is your primary focus then a major carrier plan on the Silver tier or above will give you the competitive advantage you need. Dental and vision benefits are also available and we would love to help you put your small business over the top with a quality employee benefits package.

No Pressure, Professional Service

(719) 440-5857

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We provide transparent information, so you know what to expect. Here are 7 important things to know.

For more detailed information, please visit our FAQ's page.

small business health insurance Colorado
"At BeneFix we're not just an insurance agency.
We're in the business of forging strong, lasting relationships."
small business health insurance Colorado
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