Health plans for small businesses, Individuals, & Families
Health Plans for Small Businesses & Individuals
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Health Plans for Small Businesses & Individuals
Health Plans for Small Businesses & Individuals

Colorado Health Plans

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Affordable Health Coverage in Colorado

Healthcare in Colorado is shaped by unique challenges, from rising costs in Denver to limited access in smaller mountain towns. Families and employers often face difficult choices when comparing premiums, deductibles, and out-of-pocket costs. At PEO4YOU, we simplify the process by offering Colorado health plans that combine medical, dental, vision, and life benefits in one dependable package. Our goal is to make health insurance more affordable while improving access to care for people across the state.

Whether you live in Colorado Springs, Boulder, Fort Collins, or a rural community, our plans are designed to balance cost and coverage. With support for both individuals and employers, we help Coloradans keep their budget steady while ensuring access to doctors, preventive care, and essential services. By aligning with programs like Health First Colorado and Colorado’s Medicaid Program, we make healthcare practical for all types of residents. From young professionals and growing families to retirees, our plans deliver long-term protection and peace of mind.
Health Plans for Small Businesses & Individuals
Health Plans for Small Businesses & Individuals

Know Your Health & Wellness Benefits

Health Plans for Small Businesses & Individuals

Medical

BCBS PPO National Network

Deductible:$1,000
Coinsurance:80/20
Out-of-Pocket:$3,800
Primary Care Co-pay:$25
Specialist Co-Pay:$50
Medications:Generic 10%; Brand 35%
(see SBC for more details)
Wellness & Teledoc Visits: No Charge

(In-network only)

See Health Plan Outline for More Details

Dental-Health-Plans

Dental

Principal PPO Dental Network


Annual deductible networkCoinsurance network pays
Preventative$0100%
Basic$5080%
Major$5050%

Max benefit: $2,000 per calendar year

New Benefit: Implant coverage (see SBC for details).

Out-of-Network Coverage Available (Click Here to See Claim Example)

VIsion-Health-Plans

Vision

VSP Vision

Exams: $10 copay, 1 exam every 12 mo
Glasses: $25 copay for single lenses
Frames: Up to $250 every 24 mo
Contacts: Up to $250 every 12 mo

LIFE

10K Death Benefit

Know Your Health & Wellness Benefits

 At PEO4YOU, we believe comprehensive healthcare should be accessible, transparent, and tailored to your needs. That’s why every member receives a complete benefits package — medical, dental, vision, and life benefits — designed to give you peace of mind and real value.

Health-Plans-all.

Medical

BCBS PPO National Network

Deductible:$1,000
Coinsurance:80/20
Out-of-Pocket:$3,800
Primary Care Co-pay:$25
Specialist Co-Pay:$50
Medications:Generic 10%; Brand 35%
(see SBC for more details)
Wellness & Teledoc Visits: No Charge

(In-network only)

See Health Plan Outline for More Details

Dental-Health-Plans

Dental

Principal PPO Dental Network


Annual deductible networkCoinsurance network pays
Preventative$0100%
Basic$5080%
Major$5050%

Max benefit: $2,000 per calendar year

New Benefit: Implant coverage (see SBC for details).

Out-of-Network Coverage Available (Click Here to See Claim Example)

VIsion-Health-Plans

Vision

VSP Vision

Exams: $10 copay, 1 exam every 12 mo
Glasses: $25 copay for single lenses
Frames: Up to $250 every 24 mo
Contacts: Up to $250 every 12 mo

LIFE

10K Death Benefit

Accident

Click to Review Plan Details

Benefits Built for Colorado Residents

peo4you star icon 6peo4you star icon 6
Every Colorado health plan with PEO4YOU is built on essential health coverage that goes beyond the basics. Members gain access to preventive checkups, doctor visits, dental cleanings, vision exams, and prescription support. Life insurance is also included to provide added protection for families. These benefits reduce financial risk, help manage unexpected costs, and ensure you and your loved ones receive the care you need.

Families appreciate knowing children and dependent child coverage are included, while employers value plans that make it easier to provide group benefits. Individuals managing their own businesses in Boulder or freelancers in Denver find reassurance in plans that combine affordability with comprehensive coverage. We also assist members in comparing health insurance plans, whether private or through Connect for Health Colorado, so they understand the full range of options.

In addition, we help members explore eligibility for financial assistance and programs like Child Health Plan Plus, which supports low-income households with affordable or low cost coverage. Whether you are evaluating deductibles, premiums, or prescription needs, our plans are structured to support long-term health and financial stability. With PEO4YOU, you gain more than insurance—you gain a partner dedicated to helping you make informed choices about your care.

Book your free consultation

H&W, Dental, Vision and Life benefits are Part of a Benefits Package

5 year average renewal of less than 3% – Trust established in 1958 – BCBS network since 2004 – Enrollment available year round – No underwriting

Features
H&W 125
DENTAL 125
VISION 125
LIFE 10K
ADMIN125
Union
Total
Employee Only
$731.00
$65.00
$10.00
$5.00
$100.00
$27.00
$938.00
Employee + Spouse
$1,500.00
$130.00
$22.00
$5.00
$200.00
$27.00
$1,884.00
Employee + (Children)
$1,146.00
$130.00
$22.00
$5.00
$200.00
$27.00
$1,530.00
Employee + Family
$1,636.00
$190.00
$35.00
$5.00
$200.00
$27.00
$2,093.00
Waived Employees



$5.00

$27.00
$32

H&W, Dental, Vision and Life Benefits are
Part of a Benefits Package

6 consecutive renewals of 3% or less – Trust established in 1958 – BCBS network since 2004 –
Enrollment available year round 

2026 Rates

Features
H&W 125
DENTAL 125
VISION 125
ACCIDENT
LIFE 10K
ADMIN125
Union
Total
Employee Only
$746.00
$75.00
$15.00
$12.00
$10.00
$100.00
$27.00
$985.00
Employee + Spouse
$1,530.00
$150.00
$30.00
$12.00
$10.00
$200.00
$27.00
$1,959.00
Employee + (Children)
$1,169.00
$150.00
$30.00
$12.00
$10.00
$200.00
$27.00
$1,598.00
Employee + Family
$1,669.00
$220.00
$45.00
$12.00
$10.00
$200.00
$27.00
$2,183.00
Waived Employees




$10.00

$27.00
$37
Scroll right to view the full chart.
PEO4YOU - Horizontal Logo

Accident coverage is for Employee/Member only
Groups above 10 have custom ancillary rates
First Year Dental Max is $1,000, Second year increases to $2,000
Surcharge for 4 or more dependent children – Dental :$50 , Vision: $15 per child.

*Additional $33/month Processing Fee Applies for Individual and Family Health Plans.
Colorado Affordable Health Plans for Small Businesses & Individuals

Healthcare Solutions for Colorado Businesses and Families

Colorado’s economy is powered by small businesses, entrepreneurs, and diverse industries. Each has unique needs when it comes to healthcare. Employers in Denver often seek structured health insurance that attracts and retains employees. Contractors in Fort Collins look for flexible plans that can be adjusted during open enrollment. Families in Colorado Springs rely on comprehensive coverage that includes children, spouses, and family members across multiple generations.

PEO4YOU works with all of these groups to provide flexible, affordable solutions. Employers gain dependable ways to protect their teams without exceeding their budget. Families benefit from coverage that supports both preventive services and emergency care. Contractors and freelancers can count on health plans that provide steady access to doctors, specialists, and pharmacies, even when income fluctuates.

We also help members understand public and private coverage combinations. Many Coloradans qualify for programs like Medicaid, Medicare, or Health First Colorado, but still want the flexibility of private insurance. PEO4YOU helps coordinate these options so members receive complete coverage without confusion. For employers, this means improved employee satisfaction. For individuals, it means consistent access to healthcare providers. And for families, it ensures lasting security no matter how needs evolve over time.
Book your free consultation
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Something for everyone.

Health Plans

Book your free consultation

Making Healthcare Accessible Across Colorado

At PEO4YOU, accessibility is at the core of our mission. Our Colorado health plans are built to provide coverage that reaches residents across urban and rural areas. Rising healthcare costs remain a challenge, but with structured plans, financial support, and options for financial assistance, more people can qualify for protection that truly meets their needs.

We guide members through the entire process, from comparing plans and deductibles to managing enrollment. We help families qualify for assistance, employers select affordable options for workers, and individuals review income guidelines to determine the best fit. Our focus is to reduce barriers so everyone can receive care when it matters most.

Colorado’s healthcare system continues to evolve, with changes to Health First Colorado, Colorado’s Medicaid Program, and marketplace options through Connect for Health Colorado. PEO4YOU stays current with these updates, helping members adapt without stress. By offering plans that integrate with public programs while expanding access through private providers, we create stronger, more reliable solutions for Coloradans.

With benefits that cover preventive care, urgent services, and long-term needs, our health plans are designed to keep families healthy and employers competitive. When you partner with PEO4YOU, you gain more than a plan—you gain a dedicated ally focused on making healthcare accessible, affordable, and dependable across Colorado.

Chrystin Comeau
Director, Clinic Operations at Cambridge Biotherapies
Sam worked with us to decrease our health costs by nearly 50% without rasing the deductible on employees or limiting the doctor network. These savings enabled us to add additional, valuable benefits. He was always willing to take a call or zoom meeting to explain anything we had questions about. The insurance landscape can be complicated and hard to navigate, but he helped us make great, informed choices.
Chrystin Comeau - PEO4You Testimonial
Jameson Reeves
Owner, Full Grip Games
I got a big health insurance rate increase, and I didn't like the recommendations from my large, nationally recognized employee benefits agency, so I decided to speak with other agencies. None of them could provide the same level of solutions that Sam was able to. Now, we are saving 40% on both medical and overall costs while massively upgrading the health insurance benefits.
Jameson Reeves - PEO4You Testimonial
Jack Bazarbachian
Sako Auto Body, INC
Without changing payroll or undergoing medical underwriting, Sam helped reduce my business's health insurance rates by nearly 50%, all while improving the plan's benefits and network. He made the process effortless.
Jack Bazarbachian - PEO4You Testimonial
Dr. Hoorbod D, DO
Medical Sinai Healthcare PC, NY
The PEO4You plan lowered my family's cost substantially while improving my coverage. I've been so happy with it that friends, family, and colleagues have since joined the plan as well.
Dr Hoorbod - PEO4You Testimonial
Patrick Therrien
Founder & CEO, Nationals Scope Investigations
We were able to save almost 50% on our medical rates while fulfilling everything we were looking for
Patrick - PEO4You Testimonial
Dr. Elion Krok, MD
IMMC Health, NJ
Sam was able to take my family and business's situation and pull through where others failed. I am saving significantly while increasing my access to doctors.
Dr. Elion  - PEO4You Testimonial
Krystal Solimine
Sales Associate at RE/MAX Partners
We are loving the PEO4YOU plan. It is a much smoother experience with claims getting approved quickly. Just a much smoother experience and at a lower price than the alternative. I’m already telling friends and colleagues about it!
Krystal - PEO4You Testimonial
Karen M.

Absolutely loving the plan! Better than all other health insurance plans I have had. They have been flexible with my needs and it feels like I am getting a VIP, concierge treatment from customer service. I come from many years working in the health insurance industry. I didn't think my experience could be this good.
Karen M - PEO4You Testimonial
Alexandra Estrada
Operations Manager at FOUR PAWS
Sam Newland is a valuable asset to our company. Thanks to his expertise and guidance, FOUR PAWS USA has made informed decisions to increase coverage and benefits while reducing costs for both employees and the company. We truly appreciate his efforts to provide our employees with high-quality, affordable plans.
Alexandra - PEO4You Testimonial
Alexander Kady Tschopp
Co, Founders, Tailored Industry
Without changing payroll or going through underwriting, we saved over 50% on our medical plan while upgrading to a PPO, improving benefits, and reducing expected renewal increases. The savings allowed us to add dental and vision coverage and hire a new full-time employee to support our business growth.
Alexander - PEO4You Testimonial
Scarlett Bartlett
Operations Manager, Matthew Cunningham Landscape Design
MCLD has been working with Sam for many years. As we have grown and evolved as a company, they have been providing expert advice for our changing needs to help keep things simple and effiecient for the business and keep our employees happy. If and when anything comes up, we can always be confident that they will be there to help.
Scarlett - PEO4You Testimonial
Chelsea Curtis
Founder, Managing Partner at Seaport Consulting
Sam is an incredible asset to a small business like ours. He was able to balance simplicity with inclusivity and completeness so that we were able to make choices that make our employees happy, and for much less than we expected. In addition to their deep knowledge, they have provided exceptional service by responding quickly and providing thoughtful business solutions.
Chelsea - PEO4You Testimonial
Jacqueline Bellan
Manager, People Operations, Brio Systems
Sam is an expert in HR and Benefits. He took our preferences and guidelines to provide design solutions for both savings and growth strategies. He also spent time ensuring we understood every aspect of the healthcare plans we were considering, which can be challenging. With Sam’s help, we offered great benefits to our team, saved money, and grew quickly by attracting and retaining top talent.
Jacqueline - PEO4You Testimonial
Testimonials

What Our Clients Say

Read how Clever has transformed productivity for our users
and hear their success stories.

peo4you client Alexandra Estrada

Sam Newland is a valuable asset to our company. Thanks to his expertise and guidance, FOUR PAWS USA has made informed decisions to increase coverage and benefits while reducing costs for both employees and the company. We truly appreciate his efforts to provide our employees with high-quality, affordable plans.

Alexandra Estrada

Operations Manager at Spectrum
peo4you user say section frame
Spectrum
peo4you Abstract Design
peo4you client Alexandra Estrada

Sam worked with us to decrease our health costs by nearly 50% without rasing the deductible on employees or limiting the doctor network. These savings enabled us to add additional, valuable benefits. He was always willing to take a call or zoom meeting to explain anything we had questions about. The landscape can be complicated and hard to navigate, but he helped us make great, informed choices.

Chrystin Comeau

Director, Clinic Operations at Cambridge Biotherapies
peo4you Abstract Design
peo4you client Alexandra Estrada

I got a big health benefits rate increase, and I didn't like the recommendations from my large, nationally recognized employee benefits agency, so I decided to speak with other agencies. None of them could provide the same level of solutions that Sam was able to. Now, we are saving 40% on both medical and overall costs while massively upgrading the health benefits.

Jameson Reeves

Owner, Full Grip Games
peo4you Abstract Design
peo4you client Alexandra Estrada

Without changing payroll or undergoing medical underwriting, Sam helped reduce my business's health benefits rates by nearly 50%, all while improving the plan's benefits and network. He made the process effortless.

Jack Bazarbachian

Sako Auto Body, INC
jack logo
peo4you Abstract Design
peo4you client Alexandra Estrada

The PEO4You plan lowered my family's cost substantially while improving my coverage. I've been so happy with it that friends, family, and colleagues have since joined the plan as well.

Dr. Hoorbod D, DO

Medical Sinai Healthcare PC, NY
peo4you Abstract Design
peo4you client Alexandra Estrada

We were able to save almost 50% on our medical rates while fulfilling everything we were looking for

Patrick Therrien

Founder & CEO, Nationals Scope Investigations
Nationals Scope Investigations
peo4you Abstract Design
peo4you client Alexandra Estrada

Sam was able to take my family and business's situation and pull through where others failed. I am saving significantly while increasing my access to doctors.

Dr. Elion Krok, MD

IMMC Health, NJ
IMMC Health
peo4you Abstract Design
peo4you client Alexandra Estrada

We are loving the PEO4YOU plan. It is a much smoother experience with claims getting approved quickly. Just a much smoother experience and at a lower price than the alternative. I’m already telling friends and colleagues about it!

Krystal Solimine

Sales Associate at RE/MAX Partners
REMAX
peo4you Abstract Design
peo4you client Alexandra Estrada

Absolutely loving the plan! Better than all other health benefits plans I have had. They have been flexible with my needs and it feels like I am getting a VIP, concierge treatment from customer service. I come from many years working in the health benefits industry. I didn't think my experience could be this good.

Karen M.

Karen M.
peo4you user say section frame
Karen M.
peo4you Abstract Design
peo4you client Alexandra Estrada

Sam Newland is a valuable asset to our company. Thanks to his expertise and guidance, FOUR PAWS USA has made informed decisions to increase coverage and benefits while reducing costs for both employees and the company. We truly appreciate his efforts to provide our employees with high-quality, affordable plans.

Alexandra Estrada

Operations Manager at Spectrum
spectrum-logo
peo4you Abstract Design
Health plans for small businesses, Individuals, & Families

Without changing payroll or going through underwriting, we saved over 50% on our medical plan while upgrading to a PPO, improving benefits, and reducing expected renewal increases. The savings allowed us to add dental and vision coverage and hire a new full-time employee to support our business growth.

Alexander Kady Tschopp

Co, Founders, Tailored Industry
Tailored Industry
peo4you Abstract Design
Health plans for small businesses, Individuals, & Families

MCLD has been working with Sam for many years. As we have grown and evolved as a company, they have been providing expert advice for our changing needs to help keep things simple and effiecient for the business and keep our employees happy. If and when anything comes up, we can always be confident that they will be there to help.

Scarlett Bartlett

Operations Manager, Matthew Cunningham Landscape Design
Matthew Cunningham Landscape Design
peo4you Abstract Design
Health plans for small businesses, Individuals, & Families

Sam is an incredible asset to a small business like ours. He was able to balance simplicity with inclusivity and completeness so that we were able to make choices that make our employees happy, and for much less than we expected. In addition to their deep knowledge, they have provided exceptional service by responding quickly and providing thoughtful business solutions.

Chelsea Curtis

Founder, Managing Partner at Seaport Consulting
Seaport Consulting
peo4you Abstract Design
Health plans for small businesses, Individuals, & Families

Sam is an expert in HR and Benefits. He took our preferences and guidelines to provide design solutions for both savings and growth strategies. He also spent time ensuring we understood every aspect of the healthcare plans we were considering, which can be challenging. With Sam’s help, we offered great benefits to our team, saved money, and grew quickly by attracting and retaining top talent.

Jacqueline Bellan

Manager, People Operations, Brio Systems
Brio Systems
peo4you Abstract Design
Vin

My wife's medical emergency resulted in $300,000 in medical bills and over 90 claims - not one of them was denied and all costs covered by our $3800 per year max. She is still going to PT after 140 visits and we don't need to call and get more approvals. The rehab staff rave about our coverage. Also, I was the first patient in over eight years whose PRP treatments were covered, saving me over $3900. This plan really works.

Vin Cannistraro

PEO4YOU Member
vin Featured Logo
peo4you Abstract Design
Chrystin Comeau
Director, Clinic Operations at Cambridge Biotherapies
Sam worked with us to decrease our health costs by nearly 50% without rasing the deductible on employees or limiting the doctor network. These savings enabled us to add additional, valuable benefits. He was always willing to take a call or zoom meeting to explain anything we had questions about. The landscape can be complicated and hard to navigate, but he helped us make great, informed choices.
Chrystin Comeau - PEO4You Testimonial
Jameson Reeves
Owner, Full Grip Games
I got a big health benefits rate increase, and I didn't like the recommendations from my large, nationally recognized employee benefits agency, so I decided to speak with other agencies. None of them could provide the same level of solutions that Sam was able to. Now, we are saving 40% on both medical and overall costs while massively upgrading the health benefits.
Jameson Reeves - PEO4You Testimonial
Jack Bazarbachian
Sako Auto Body, INC
Without changing payroll or undergoing medical underwriting, Sam helped reduce my business's health benefits rates by nearly 50%, all while improving the plan's benefits and network. He made the process effortless.
Jack Bazarbachian - PEO4You Testimonial
Dr. Hoorbod D, DO
Medical Sinai Healthcare PC, NY
The PEO4You plan lowered my family's cost substantially while improving my coverage. I've been so happy with it that friends, family, and colleagues have since joined the plan as well.
Dr Hoorbod - PEO4You Testimonial
Patrick Therrien
Founder & CEO, Nationals Scope Investigations
We were able to save almost 50% on our medical rates while fulfilling everything we were looking for
Patrick - PEO4You Testimonial
Dr. Elion Krok, MD
IMMC Health, NJ
Sam was able to take my family and business's situation and pull through where others failed. I am saving significantly while increasing my access to doctors.
Dr. Elion  - PEO4You Testimonial
Krystal Solimine
Sales Associate at RE/MAX Partners
We are loving the PEO4YOU plan. It is a much smoother experience with claims getting approved quickly. Just a much smoother experience and at a lower price than the alternative. I’m already telling friends and colleagues about it!
Krystal - PEO4You Testimonial
Karen M.

Absolutely loving the plan! Better than all other health benefits plans I have had. They have been flexible with my needs and it feels like I am getting a VIP, concierge treatment from customer service. I come from many years working in the health benefits industry. I didn't think my experience could be this good.
Karen M - PEO4You Testimonial
Alexandra Estrada
Operations Manager at FOUR PAWS
Sam Newland is a valuable asset to our company. Thanks to his expertise and guidance, FOUR PAWS USA has made informed decisions to increase coverage and benefits while reducing costs for both employees and the company. We truly appreciate his efforts to provide our employees with high-quality, affordable plans.
Alexandra - PEO4You Testimonial
Alexander Kady Tschopp
Co, Founders, Tailored Industry
Without changing payroll or going through underwriting, we saved over 50% on our medical plan while upgrading to a PPO, improving benefits, and reducing expected renewal increases. The savings allowed us to add dental and vision coverage and hire a new full-time employee to support our business growth.
Alexander - PEO4You Testimonial
Scarlett Bartlett
Operations Manager, Matthew Cunningham Landscape Design
MCLD has been working with Sam for many years. As we have grown and evolved as a company, they have been providing expert advice for our changing needs to help keep things simple and effiecient for the business and keep our employees happy. If and when anything comes up, we can always be confident that they will be there to help.
Scarlett - PEO4You Testimonial
Chelsea Curtis
Founder, Managing Partner at Seaport Consulting
Sam is an incredible asset to a small business like ours. He was able to balance simplicity with inclusivity and completeness so that we were able to make choices that make our employees happy, and for much less than we expected. In addition to their deep knowledge, they have provided exceptional service by responding quickly and providing thoughtful business solutions.
Chelsea - PEO4You Testimonial
Jacqueline Bellan
Manager, People Operations, Brio Systems
Sam is an expert in HR and Benefits. He took our preferences and guidelines to provide design solutions for both savings and growth strategies. He also spent time ensuring we understood every aspect of the healthcare plans we were considering, which can be challenging. With Sam’s help, we offered great benefits to our team, saved money, and grew quickly by attracting and retaining top talent.
Jacqueline - PEO4You Testimonial
Vin Cannistraro
PEO4YOU Member
My wife's medical emergency resulted in $300,000 in medical bills and over 90 claims - not one of them was denied and all costs covered by our $3800 per year max. She is still going to PT after 140 visits and we don't need to call and get more approvals. The rehab staff rave about our coverage. Also, I was the first patient in over eight years whose PRP treatments were covered, saving me over $3900. This plan really works.
Vin

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