Open Enrollment Begins November 2025
Health Insurance & Employee Benefits
Group coverage is simply Health Insurance & other benefits purchased through an employer. We work with you to create a comprehensive benefits package that helps in attracting and retaining top talent helping to improve overall job satisfaction leading to a more productive & loyal workforce.
We understand the importance of providing a comprehensive benefits package for your employees and their families.
Made Simple
Individual Coverage Options
Group Coverage Options
ICHRA
Healthshare Options
Other Coverage Options
ICHRA is an acronym for Individual Coverage Health Reimbursement Arrangement. This option can often lower premiums 10% - 15% or more as compared to group coverage. Additionally there are significantly more choices in terms of carrier and plan options
Individual Coverage is health insurance NOT purchased via an employer. An experienced broker can help you better understand your options; direct from carrier or via State Exchange. Depending on income, you may qualify for APTC, tax credits that help to pay part of your premium.
While health insurance is often at the foundation of a comprehensive benefits package there are many other types of coverage that can be offered including:
Dental, Vision, Life, Disability & more.
Experienced Health Insurance Brokers You Can Count On
With over 2 decades of experience, we help you find the best coverage options for your staff and their families, including medical, dental, vision, life, and disability insurance.
Our goal is to support your business in becoming an employer of choice, and we believe that a strong benefits package is a key factor in achieving this. Let us help you take care of your employees, so you can focus on the success and growth of your company.
About RMG Health Online
We work with top carriers including Anthem, United Healthcare, Cigna, Kaiser, Rocky Mtn Healthplans and more to provide comprehensive health insurance solutions for your business in Colorado, Arizona, Texas, Ohio, New Mexico, Washington and other states.
Health Insurance 101
Here's a very high level view of coverage options, any of which we can help you with
Small Group, Fully Insured - PPO, HMO, EPO plans for groups <100 available from Anthem, Kaiser and Unitedhealthcare that are not underwritten; guaranteed issue that do not consider the overall health of the group or its members. There are specific participation & contribution requirements that vary by carrier.
Small Group, Level Funded - PPO, HMO, EPO plans for groups <100 available from Allstate, Anthem, Cigna, Kaiser and Unitedhealthcare that are underwritten; the overall health of the group's members does determine availability and premium levels. There are specific participation & contribution requirements that vary by carrier. (Although available for groups with <10 members, most effective when groups have 10+)
Large Group - PPO, HMO, EPO plans for larger groups from Allstate, Anthem, Cigna, Kaiser and Unitedhealthcare that are underwritten; the overall health of the group's members does determine availability and premium levels. Available as both fully insured or level funded. There are specific participation & contribution requirements that vary by carrier.
ICHRA (Individual Coverage Health Reimbursement Account) - HMO & EPO plans from Anthem, Cigna, Denver Health, Kaiser, RMHP, Select Health, Unitedhealthcare. With ICHRA, employees enroll individually with the carrier and plan that they prefer. The employer can offer to contribute to the employees health plans much like small group via pre-tax payroll deduction. Both the employer and the employee receive tax benefits similar to group health insurance. Requires some very specific steps and filings to set up a qualified ICHRA program.
Health Share - Not insurance. Available from a number of companies, often religious organizations. A HealthShare is a group of people who have agreed to help with each other’s medical costs. Almost always lower premiums than true health insurance. Likely involve great risks but worth considering.
Individual - Health insurance purchased directly from the carrier or via the Colorado Exchange, usually through a broker like me not tied to employment or an employer.
No Coverage - Assuming all risk for the expenses related to sickness, illness, injury.
Quality Coverage Options
Comprehensive health insurance solutions for your employees and their families. Trust our expertise.
Life and Disability
Explore our range of life and disability insurance options for added peace of mind.
Dental Coverage Plans
Discover our dental insurance plans from top carriers for optimal oral health.
Expert Vision Insurance
Specialized Care Options
RMG Health was able to get our staff of 17 people enrolled with United Healthcare all in less than 2 weeks. This included an initial meeting to discuss coverage options with upper management, an open enrollment meeting with our staff to help guide them in choosing the best plan options and completing all enrollment forms. Highly recommend!
★★★★★
Josh W. Business Owner
★★★★★
RMG Health was able to get our staff of 17 people enrolled with United Healthcare all in less than 2 weeks. This included an initial meeting to discuss coverage options with upper management, an open enrollment meeting with our staff to help guide them in choosing the best plan options and completing all enrollment forms. Highly recommend!
Lori N. HR Director
Denver Location
Visit our Denver office for expert health insurance guidance and personalized coverage options for you, your employees and their families.
Contact
1380 S Sante Fe Drive
Lower Level
Denver, CO 80223
Hours
Mon-Fri 9am-5pm