We're paid commissions by the insurance companies, but you would pay the same premium with or without a broker. The premiums you pay are required by the Colorado Division of Insurance to be the same if you use a broker or go directly through the insurance company. Most Colorado health insurance is done with the assistance of brokers because there are no disadvantages and only benefits to using an informed broker to lead you in the right direction. You will always get the lowest premium for the type of coverage you want by purchasing your health insurance through us because we can shop for the health insurance plan that fits your financial needs and tolerance for risk using our expert knowledge of what coverage all of the different plans offer. We also give you more personalized attention and a balanced perspective about the advantages of choosing one plan over another. We also act as a liaison between you and the insurance company if you ever have any questions or problems with them.