Small Business Health Insurance
Small Business Health Insurance in Colorado, Without the Guesswork
Lighthouse Group is an independent, family-owned brokerage that compares health insurance across multiple carriers, so Colorado small business owners can find coverage that fits their business, their budget, and their people without becoming the company's benefits help desk.
Health Benefits That Make Sense for a Small Business
Whether you're hiring your first employee, reviewing an expensive renewal, or figuring out coverage as a business of one, we'll help you understand where to start with small business health insurance in Colorado.
We look at your team, budget, current coverage, and goals, then explain the options in plain English so you can make an informed decision and understand what you're actually paying for.
What Colorado Business Owners Say About Lighthouse Group
Choosing a health insurance broker isn't only about getting a quote.
It's about knowing someone will still answer when an employee has a question, your renewal changes, or you're trying to understand what your plan actually covers.
With
five-star Google reviews, Lighthouse Group has built its reputation around responsive communication, straightforward explanations, and helping clients understand their options without pressure.
Health Insurance Options for Colorado Small Businesses
Homeowners Insurance
Coverage designed for primary residences, focusing on rebuilding cost, personal property, liability, and long-term protection.
Small Group Health Insurance
For businesses with employees
We help Colorado small businesses compare group health plans across multiple carriers, understand employer costs and participation requirements, and review provider networks and plan options.
If your renewal comes in higher than expected, we can also compare your current plan with other available options before you decide what to do next.
Self-Employed Health Insurance
For business owners without employees
We help Colorado freelancers, independent contractors, and solopreneurs compare individual health insurance options and understand how coverage, costs, provider networks, and available plans fit their needs.
Why Small Business Owners Work With Lighthouse Group
Independent Advice
We're an independent brokerage, so we can compare coverage across multiple insurance carriers rather than being limited to one company's products.
Health Insurance Explained in Plain English
We remember what it's like not to understand insurance.
Co-owner Mandy came into the industry from the nonprofit world without an insurance background. That experience shaped how we work today: start at the beginning, explain what matters, and never assume you already know the terminology.
Fast, Proactive Communication
Something that should be simple sets us apart: we answer people and call them back.
We stay involved through research, enrollment, employee questions, new hires, plan changes, and future renewals, so you're never left figuring things out on your own.
Family-Owned Since 2015
Lighthouse Group is a family-owned and operated Colorado brokerage. You work with a small team of advisors who know your business instead of being passed from department to department.
No-Pressure Guidance
We want you to understand the options before you choose one.
Our process is built around consultation, research, review, and enrollment so you're not being asked to make a decision before you know what you're comparing.
Earthquake Insurance
Coverage options for seismic risk, helping protect structures, belongings, and temporary living expenses.
Earthquake Insurance
Coverage options for seismic risk, helping protect structures, belongings, and temporary living expenses.
Does My Small Business Have to Offer Health Insurance?
Not necessarily.
Under the Affordable Care Act, employers with fewer than 50 full-time-equivalent employees generally aren't required to offer health coverage or pay an employer shared responsibility penalty for not offering it.
For smaller businesses, providing health benefits is often a business decision rather than a legal requirement.
Owners may choose to offer coverage because they want to:
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Recruit stronger candidates
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Keep good employees
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Compete with larger companies
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Provide meaningful benefits to their team
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Provide meaningful benefits to their team
You don't need to know which type of plan you want before you contact us. We'll help you understand what's available and what makes sense for your business.
About Lighthouse Group
A Family-Run Brokerage Built Around Clear Answers
Lighthouse Group is based in Colorado Springs, and owners Mandy and DJ work directly with clients. Since 2015, we've focused on making insurance easier to understand through honest guidance, responsive communication, and a no-pressure approach.
We're also an affiliate and sponsor of the
Financial Planning Association of Southern Colorado.
Small Business Health Insurance Across Colorado
Lighthouse Group is based in Colorado Springs and works with business owners throughout Colorado.
Most consultations happen virtually, which allows us to work with businesses across the state without requiring you to take time away from your company for an office visit.
We serve businesses throughout the Front Range, mountain communities, and the Western Slope, including:
Independent small business health insurance guidance close to home.
Health insurance options for small businesses, startups, and self-employed owners throughout the Denver metro.
Coverage guidance for Northern Colorado businesses and self-employed professionals.
Small business and individual health insurance support throughout Pueblo and Pueblo County.
Health insurance guidance for business owners and self-employed professionals navigating higher-cost mountain markets.
Health coverage support for small businesses, seasonal businesses, and self-employed residents throughout Routt County.
Small business health insurance guidance for businesses throughout Mesa County and the Western Slope.
We work with clients statewide, so you don't need to be near our Colorado Springs office to work with us.
Four Steps From "Which Plan?" to Covered
1: Consultation
We start with your business.
We'll talk through your team size, budget, current coverage, goals, and what your employees are asking for.
2: Research
We research the options that make sense for your situation and compare available coverage across multiple carriers.
3: Review
We walk through the options together so you understand the costs, networks, requirements, and important differences before making a decision.
4: Enrollment
Once you've chosen a direction, we help with the application and enrollment process.
After that, we're still your first call
What Owners Ask Before Offering Health Benefits
How can a small business offer health insurance in Colorado?
The most common way is a small group health plan, where you choose coverage for your team and contribute toward employee premiums.
We compare group plans across multiple carriers, explain the employer contribution and participation requirements, and help you choose the plan that fits your budget and your team.
What's the cheapest way to offer health insurance to employees?
There isn't one lowest-cost option for every business. Your cost depends on your team size, employee locations, the plans available, and how much you choose to contribute.
We compare available group plans across multiple carriers so you can see the real numbers and find an option that balances your budget with coverage your employees can actually use.
How many employees do I need for small group health insurance?
Colorado's small group market generally applies to eligible employers with up to 50 employees.
Eligibility and participation requirements can vary by carrier and plan, so we'll confirm what applies to your company before you move forward.
Can you help if my health insurance renewal went up?
Yes.
You don't have to accept a renewal increase without reviewing your options. We can compare your current plan with other coverage available to your business before your renewal deadline.
What if I'm self-employed and don't have employees?
If it's just you, an individual health insurance plan may make more sense than traditional group coverage.
We work with self-employed business owners, freelancers, independent contractors, and solopreneurs throughout Colorado.
Do I have to understand all of my options before contacting you?
No.
In fact, that's the point of working with us.
You can come to the conversation knowing almost nothing about health insurance. We'll start with your situation and explain the options from there.
Does working with a health insurance broker cost more?
Broker compensation is typically paid by the insurance carrier rather than added as a separate fee to your health insurance premium.
We'll explain how the process works before you make any decisions.
Is there a small business health insurance broker near me?
Lighthouse Group is based in Colorado Springs and works with small businesses throughout Colorado.
Most consultations are virtual, so you can work with us from anywhere in the state. In-person meetings at our Colorado Springs office are also available by request.
Get Started
Spend Less Time Figuring Out Health Insurance
You've got a business to run. Health benefits shouldn't become another job on your list.
Tell us about your company, your team, and what you're trying to accomplish. We'll research the options available to you, compare the plans that make sense, and explain the differences in plain English.
Bring your questions, even the ones that feel too basic to ask. That's exactly where we like to start.
Call:
719-645-6281
Contact Us
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