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Denver's Independent Health Insurance Broker — Comparing Plans Across the Whole Metro
Who We Work With in the Denver Area
Denver has one of the highest concentrations of self-employed workers and small business owners in the state, and that shapes a lot of what we do here. Whether you're a freelancer in Cap Hill, a contractor in Lakewood, a startup founder in RiNo, or a small employer in Highlands Ranch trying to figure out whether to offer benefits, the coverage questions are real and the stakes are high.
We work with:
- Self-employed individuals and solopreneurs who need their own health coverage and want to understand every option available to them
- Small business owners weighing whether to offer group health insurance and what it would actually cost
- Individuals and families shopping for marketplace plans through Connect for Health Colorado
- People turning 65 in the Denver metro who need to choose between Medicare Advantage and Medicare Supplement
- Anyone who needs term life, whole life, final expense, long-term disability, or long-term care coverage
If you're somewhere in that list, we can help — and we won't make you feel like a number to get there.
Denver has no shortage of insurance brokers. What's harder to find is one that works for you instead of for a single carrier. Lighthouse Group is an independent, family-owned brokerage, which means we compare plans across multiple insurance companies to find what actually fits your situation — your budget, your health needs, your life. We've been doing this since 2015, and we have five-star Google reviews from clients across Colorado who can tell you what that difference feels like in practice.
The Denver market is genuinely competitive, and that's a good thing for you. More carriers means more options — but it also means more noise. Our job is to cut through it.
A Different Kind of Broker in a Crowded Market
Coverage Options We Compare for Denver Residents
The Denver metro has broad carrier competition, which means your options extend well beyond the most-advertised plans. Denver Health's Elevate plans, for instance, are a strong fit for some clients and a poor fit for others depending on network preferences and provider relationships. That's exactly why comparison matters.
For individual and family coverage, we look across marketplace plans, off-marketplace options, and health shares to find what works for your income, your household, and your priorities. For self-employed clients specifically, we spend real time on this — because "coverage costs a fortune" is often a starting assumption, not a fixed reality. There are structures that change the math, and we know how to find them.
For small businesses, we walk through small group health insurance options alongside alternatives, so you're making a decision based on actual numbers rather than assumptions about what you can or can't afford.
We Meet You Where You Are — Virtually, Metro-Wide
Our office is in Colorado Springs, and we serve Denver-area clients through virtual consultations. No commute on I-25, no parking downtown, no half-day out of your schedule. We meet by video or phone, work through your options together, and handle enrollment the same way.
We work with clients throughout the Denver metro, including Aurora, Englewood, Littleton, Arvada, Lakewood, and Highlands Ranch. If you're in the area and need coverage, distance isn't a factor.
Our process is straightforward: we start with a consultation to understand your situation, research the options that fit, walk you through what we found, and handle enrollment once you've decided. No pressure, no rush, no upsell on products that don't serve you.
Does it cost more to use a health insurance broker?
Generally, you don't pay us a separate fee to help you compare and enroll in the plans we represent. Insurance carriers may compensate brokers when an enrollment occurs.
We'll explain our role, review the options available to you, and help you understand what you're considering before you make a decision.
How do insurance brokers get paid?
Insurance brokers are commonly compensated by insurance carriers when clients enroll in certain plans. That allows us to help clients review coverage without charging a separate consultation fee in many situations.
If anything about our compensation applies differently to your situation, we'll explain it before you enroll.
What's the difference between an insurance broker and an agent?
Some insurance agents represent a single insurance company. Independent brokers can work with multiple carriers.
As an independent brokerage, Lighthouse Group can review plans from the insurance companies we represent and help you compare factors such as premiums, benefits, provider networks, and prescription coverage.
Can a broker help me after I enroll?
Yes. Our relationship doesn't have to end when you choose a plan.
We can continue helping with questions about your coverage, renewals, plan changes, and other issues that come up along the way. If something isn't making sense, you have someone you can ask.
Why not just buy a plan on my own?
You absolutely can.
The challenge is that a plan name and monthly premium don't tell you everything. Your doctors, prescriptions, provider network, deductible, and expected healthcare needs can all affect how well a plan works for you.
We help you look beyond the price tag so you can better understand what you're choosing before you enroll.
Customer testimonials on Google
Common Questions from Denver-Area Clients
Do I have to come to your office to work with Lighthouse Group?
No. We work with Denver-area clients entirely through virtual consultations — video or phone, whichever you prefer. Our office is in Colorado Springs, but distance has never been a barrier for our clients across the metro.No. We work with Denver-area clients entirely through virtual consultations — video or phone, whichever you prefer. Our office is in Colorado Springs, but distance has never been a barrier for our clients across the metro.What's the advantage of using an independent broker instead of going directly to a carrier or the marketplace?
When you go directly to a carrier, you see one carrier's plans. When you go through the marketplace, you see marketplace-eligible plans only. An independent broker compares options across multiple carriers and plan types — including off-marketplace and health share options — so you're choosing from a fuller picture.When you go directly to a carrier, you see one carrier's plans. When you go through the marketplace, you see marketplace-eligible plans only. An independent broker compares options across multiple carriers and plan types — including off-marketplace and health share options — so you're choosing from a fuller picture.I'm self-employed in Denver. What health insurance options do I actually have?
More than most people expect. Depending on your income and household size, you may qualify for subsidized marketplace plans through Connect for Health Colorado, or you may be better served by an off-marketplace plan or a health share arrangement. We compare all three categories and explain the tradeoffs so you can make a real decision.More than most people expect. Depending on your income and household size, you may qualify for subsidized marketplace plans through Connect for Health Colorado, or you may be better served by an off-marketplace plan or a health share arrangement. We compare all three categories and explain the tradeoffs so you can make a real decision.Can you help a small business in Denver set up group health insurance?
Yes. We work with small business owners throughout the Denver metro to evaluate small group health insurance options. We look at what coverage would cost the business, what employees would pay, and whether group coverage makes sense compared to alternatives — and we give you honest answers either way.Yes. We work with small business owners throughout the Denver metro to evaluate small group health insurance options. We look at what coverage would cost the business, what employees would pay, and whether group coverage makes sense compared to alternatives — and we give you honest answers either way.How do I get started?
Fill out our contact form or schedule directly with one of our advisors. We'll set up a consultation, learn about your situation, and take it from there. The first conversation costs you nothing.Fill out our contact form or schedule directly with one of our advisors. We'll set up a consultation, learn about your situation, and take it from there. The first conversation costs you nothing.
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Ready to Find Coverage That Actually Fits?
Denver has plenty of brokers. What we offer is a family-owned team that compares options across the market, explains what they mean in plain language, and works on your timeline — virtually, from anywhere in the metro. If you're ready to stop guessing and start comparing, we're ready to help.
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