Why Work With Us

 Shopping for health insurance can be confusing enough without having to figure out what everyone is calling it!

You may have heard terms like ACA insurance, Obamacare, Marketplace insurance, Exchange plans, or Individual Health Insurance. Are they all the same thing? Do they offer different benefits? Where do you even begin?

The good news is that you don't have to figure it all out on your own!

At Kilber Insurance, we help individuals and families throughout Colorado understand their health insurance options, compare plans, and find coverage that fits their healthcare needs and budget.

• ACA (Affordable Care Act): The federal law that established important health insurance protections and created the Health Insurance Marketplace.
• Obamacare: Simply a nickname for the Affordable Care Act (ACA). It's not a separate insurance company or type of policy.
• Marketplace Health Insurance: Health insurance plans available through a government-operated Marketplace, where eligible individuals and families can compare coverage and apply for financial assistance.
• Health Insurance Exchange: Another name for the Marketplace. In Colorado, our state's official health insurance Marketplace is called Connect for Health Colorado.
• Individual Health Insurance: Coverage you purchase for yourself or your family rather than through an employer. This can include ACA Marketplace plans as well as plans purchased directly from an insurance company.

The bottom line? When people talk about ACA plans, Obamacare, Marketplace plans, or Exchange plans, they're usually referring to the same general type of health insurance coverage.

And regardless of what you call it, we're here to help you understand your options!

• Are self-employed or own a small business.
• Are an independent contractor or freelancer.
• Don't have health insurance available through your employer.
• Are retiring early but aren't yet eligible for Medicare.
• Recently lost employer-sponsored health coverage.
• Are turning 26 and coming off a parent's insurance plan.
• Need health insurance for yourself or your family.
• Want to explore whether more affordable coverage is available.

Whether you're experiencing a life change or simply shopping for better coverage, we'll help you explore your options.

 You may qualify for financial assistance that lowers your monthly health insurance premium.

Depending on your household income, family size, and eligibility, you may qualify for premium tax credits through Connect for Health Colorado. This is why the form we ask you to fill out asks for this information. 

Some individuals and families may also qualify for additional savings that reduce deductibles, copays, and other out-of-pocket expenses.

We'll help you understand how these programs work, explore your eligibility, and compare your estimated costs.

Not all health insurance plans are created equal, and the lowest monthly premium isn't always the most affordable choice.

When comparing individual health insurance plans, it's important to consider:

• Monthly premiums: What will you pay each month to keep your insurance?
• Deductibles: How much might you pay before certain benefits begin?
• Copays and coinsurance: What will you pay when you visit a doctor, specialist, or hospital?
• Provider networks: Are your preferred doctors, specialists, and hospitals included?
• Prescription coverage: Are your medications covered, and what will they cost?
• Maximum out-of-pocket costs: What's the most you could pay for covered in-network medical services during the plan year?

At Kilber Insurance, we take the time to explain these details in everyday language so you can make an informed decision.

Most people enroll in ACA Marketplace health insurance during the annual Open Enrollment Period (November 1, 2026 through January 15, 2027).

However, certain life events may qualify you for a Special Enrollment Period, allowing you to enroll outside the normal enrollment window.

Examples include losing qualifying health coverage, getting married, having a baby, or moving to a new coverage area.

We'll help you understand your enrollment options and determine whether you may qualify to enroll now.