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

Our No-Cost Concierge Level Broker Services Makes Onboarding Easy 

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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.

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Lowest Price Guaranteed

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

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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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Need expert guidance on group health insurance and other benefits?


Talk to a Local Agent 

(970) 578-0212

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

Nina - Alpha Engineering, Fort Collins

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

T.J. - Air Xtreme, Greeley

 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.


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, Benefits 4Business 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 Tax Credit


Colorado offers a tax credit program that can significantly reduce your group health insurance expenses. This program can potentially cover up to half of your health insurance costs

(35% for non-profits), which translates to significant savings for your business.


To qualify for this program, your business must have 25 or fewer full-time equivalent employees, with an average annual wage of less than $56K. Additionally, you must be paying at least 50% of the group plan premium. The amount of tax credit you'll receive depends on the number of employees you have and their earnings. In other words, if your employees earn less,

you'll receive more tax credits.


It's important to note that this tax credit is exclusively available for small group health plans provided by Kaiser Permanente in Colorado. Our team is here to help you determine your eligibility for this program. So don't miss out on this opportunity to save money on your group health insurance costs for two years. Contact us today, and let's get started!

M.E.C. plans are ACA-compliant health insurance plans. These inexpensive plans offer preventative services that provide a zero-dollar co-pay and are covered 100%. For many medical visits, these plans have low co-pays. They include primary care, specialists,

urgent care, and emergency room.


These plans utilize the First Health Network, owned by Aetna | Coventry, and is a national network with some of the deepest discounts in the medical field. Contact us today to find out more about plan specifics and pricing. They offer unlimited telehealth and an RX discount program. It's important to note that thee plans do not include catastrophic coverage. This plan is typically a good solution for a company with a young staff of part-time employees. 

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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

(970) 578-0212

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Our experts have you covered with the best software for managing your small businesses health insurance with powerful H.R. solutions.


to robust, powerfully integrated solutions for more complex businesses.

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From easy to use, money saving solutions for small businesses...


Enjoy streamlined onboarding and fully integrated features including PEO, payroll, PTO, time tracking, compliance, apps and more.

Benefits administration software is an optional compliment to a group health insurance plan that is an affordable way to help your small businesses save time and money when it comes to annual plan enrollment and tracking benefits. 


(970) 578-0212

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

If you would more detailed information, please visit our comprehensive FAQ's page.

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"At Benefits 4Business we're not just an insurance agency.
We're in the business of forging strong, lasting relationships."
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