Individual Health Insurance Options

National Benefits Consultants helps Colorado individuals and families compare individual health insurance options, review carrier choices, and understand coverage that may fit their needs and budget.  Individual health insurance may be needed when you do not have access to employer-sponsored coverage, are self-employed, recently lost job-based coverage, are reviewing COBRA alternatives, or need coverage during Open Enrollment or a Special Enrollment Period.  Based in Centennial, Colorado, National Benefits Consultants helps clients review available options and understand the next step before choosing a plan.

Who This Page Is For

This page is designed for individuals and families who are reviewing major medical coverage outside an employer-sponsored plan.
You may need individual health insurance if you are:
  • Self-employed
  • Between jobs
  • Losing employer coverage
  • Comparing COBRA with individual coverage
  • Not eligible for a group health plan
  • Shopping during Open Enrollment
  • Eligible for a Special Enrollment Period
  • Reviewing coverage for yourself or your family
  • Looking for ACA Marketplace coverage
  • Trying to understand premium tax credits, deductibles, networks, or metal tiers

When Individual Health Insurance May Be Needed

Individual health insurance may be needed if you are self-employed, between jobs, losing employer coverage, comparing COBRA alternatives, shopping during Open Enrollment, or trying to qualify for coverage during a Special Enrollment Period.

How National Benefits Consultants Helps

Health insurance decisions can get confusing quickly. Monthly premiums, deductibles, provider networks, prescription coverage, subsidies, plan tiers, and enrollment windows all matter.
National Benefits Consultants helps individuals and families:
  • Compare individual and family health insurance options
  • Review available carrier choices
  • Understand ACA Marketplace coverage
  • Consider COBRA alternatives
  • Review Special Enrollment Period timing
  • Understand how premium tax credits may affect cost
  • Compare Bronze, Silver, and Gold plan differences
  • Review deductibles, out-of-pocket costs, and provider networks
Our goal is to help clients understand their options before choosing coverage.

Individual Health Insurance in Colorado

Colorado residents may have different coverage paths depending on their situation. Some people shop through the Marketplace, some compare carrier options directly, and others need help deciding whether COBRA, Marketplace coverage, or another option makes more sense.
National Benefits Consultants helps clients review health insurance options in a practical way so they can better understand cost, coverage, timing, and plan fit.

Common Individual Health Insurance Questions

Many people shopping for individual health coverage are not just looking for a quote. They are trying to answer practical questions such as:
  • Can I enroll now, or do I need to wait for Open Enrollment?
  • Do I qualify for a Special Enrollment Period?
  • Should I choose COBRA or individual health insurance?
  • Could I qualify for a premium tax credit?
  • What does the deductible really mean?
  • Should I choose a Bronze, Silver, or Gold plan?
  • Which plans include my doctors or prescriptions?
  • What if I am self-employed?
  • What if I recently lost job-based coverage?
National Benefits Consultants can help you work through these questions before you apply.

Available Carrier Options

​National Benefits Consultants provides access to individual and family health insurance options from participating carriers. Use the quote links below to review plan availability, coverage options, and pricing.

Compare Carrier Options

National Benefits Consultants provides access to individual and family health insurance options from participating carriers. Use the links below to review plan availability, coverage options, and pricing.
Some carriers offer online quote and enrollment tools, while others may require additional steps. If you are not sure where to start, contact National Benefits Consultants before applying.
Colorado-based major medical coverage options with preventive care, wellness services, and member tools.

​Coordinated care model with integrated services and family health plan options.

​Individual and family major medical coverage with access to plan options and enrollment tools.

​Flexible health coverage options for individuals and families, including medical, dental, and vision plans.
Helping people live the healthiest lives possible.

Questions About Individual Health Coverage?

Need help reviewing individual health insurance, ACA Marketplace coverage, COBRA alternatives, self-employed coverage, or Special Enrollment Period options?  Call 720-488-9892  or Contact National Benefits Consultants to review your next steps.
Related topics: Health Insurance for Self-Employed Individuals | How to Choose an Individual Health Insurance Plan | COBRA vs. Individual Health Insurance | When Can I Enroll in Individual Health Insurance? | Special Enrollment Period for Health Insurance | ACA Health Insurance | Marketplace Health Insurance in Colorado | Health Insurance After Job Loss | What Is a Premium Tax Credit for Health Insurance? | Bronze vs. Silver vs. Gold Health Plans