Finding and choosing affordable health insurance on your own can be a real challenge these days: ACA, ObamaCare, Exchange, Off-Exchange, PPO, HMO, EPO… It’s confusing!

I am a trusted Colorado health insurance broker serving my clients for over 20 years.

I focus on the challenges you might be facing with access to physicians, understanding the availability of tax credits, bridging to Medicare, and evaluating COBRA limitations: Primarily serving individuals and families, the self-employed and small business owners.

Please call me: 303-579-6397 (I usually answer my phone) or schedule a phone meeting directly on my calendar .

Meet Tad

Licensed in Colorado since 2001, I'm an experienced Health Insurance Broker who enjoys all that Colorado has to offer: hiking, biking, skiing, rollerblading, rafting, boating, ball games…

Certified Broker Connect For Health Colorado

"Tad has been invaluable to my family as we navigated the complexities of health it kids who are freelance, being self-employed, retiring name it, Tad has been there for us. I trust him 110%. He is responsive, knowledgeable, and caring. I have recommended him to others who need health insurance options - but I'm happy to give him a stellar recommendation here too!"


Customer Reviews >

"I never thought I could have such a positive experience in the search for insurance.  As my partner said after I got off my first call with Tad, 'Sounds like we found our Agent!'"


Customer Reviews >

"Tad is a shining light within the healthcare insurance world and I only have positive things to say about my experience working with him. He helped me pick the plan that was right for me and made the process simple and straightforward. I would recommend him to any and all that need assistance from an insurance broker."


Customer Reviews >


Working hard and in your best interest.


Find and show you the best competitive rates.


Tailored to your unique needs and budget.

Tad Smith is a trusted broker

A Better Plan for Individuals/Families:

Passage of the 2022 Inflation Reduction Act improved the eligibility for higher income earners to qualify for tax credits.  Subsidies fare available for most individual and family plans.

Self-Employed Plans

Subsidized ACA plans available on the Colorado Exchange can be attractive for those self-employed and small businesses just starting out.

A plan for the self employed

Small Business Plans

Are you thinking about offering health insurance to a few key employees but not to all employees?  I can help set up a customized reimbursement plan (ICHRA) that will give you options.

Complimentary Meeting (30 mins.)

Our Blog

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Your Next Steps

  1. Call me direct: 303-579-6397
  2. Schedule a call on my calendar 7 days/week
  3. Email me:
  4. Fill out Contact Form

I will get back to you promptly and we will discuss your options