Updated July 2026 · ColoradoPlanFinder.com — Licensed Health Insurance Producer (NPN #21249133)

Small Business Health Insurance for Landscaping Companies in Burlington, Colorado

Small landscaping businesses in Burlington, Colorado, can choose from 6 confirmed carriers offering group health plans in Rating Area 9 for 2026.
Connect for Health Colorado is the state's official marketplace, offering options for businesses and individual employees.
Kit Carson County, home to Burlington, has a population of 7,023 and an uninsured rate of 12.0%, per U.S. Census Bureau ACS 2024 5-year estimates.
Colorado's Medicaid program, Health First Colorado, covers adults up to 138% of the Federal Poverty Level and pregnant women up to 195% FPL via CHP+.

For small landscaping businesses in Burlington, Colorado, navigating health insurance options for your team is a critical decision. Whether you're a sole proprietor looking to expand benefits for your first hire or managing an established crew, understanding local marketplace choices is key. In Burlington, you have access to a range of plans through Connect for Health Colorado, the state's official health insurance marketplace, which includes Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) options. These plans offer varying levels of coverage and network access, designed to fit different budget and employee needs.

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What Health Insurance Options Are Available for Small Landscaping Businesses in Burlington?

Landscaping companies in Burlington, Colorado, typically have several pathways to securing health insurance for their employees. The choice often depends on the size of your business, your budget, and the specific needs of your team.

Small Group Health Plans: These are traditional employer-sponsored plans designed for businesses with 1 to 50 employees. In Colorado, these plans are offered by private carriers and can be purchased directly or through Connect for Health Colorado's Small Business Health Options Program (SHOP). Small group plans allow you to contribute to employee premiums, often making coverage more affordable for your staff.
Individual Marketplace Plans (Connect for Health Colorado): If a formal group plan isn't feasible, employees can purchase individual plans through Connect for Health Colorado. Many individuals and families in Burlington may qualify for subsidies (Premium Tax Credits) based on household income, which can significantly reduce monthly premiums.
Health Reimbursement Arrangements (HRAs): Options like the Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) or the Individual Coverage HRA (ICHRA) allow you to reimburse employees for health insurance premiums or medical expenses, providing a tax-advantaged way to help with costs without offering a traditional group plan.
Medicaid (Health First Colorado): Employees with lower incomes may qualify for Health First Colorado, Colorado's Medicaid program, which provides comprehensive health coverage at little to no cost for eligible individuals and families. Adults with incomes up to 138% of the Federal Poverty Level can qualify.

Understanding Small Group Plan Requirements in Colorado

To qualify for a small group health insurance plan in Colorado, your landscaping business must meet specific criteria. Generally, you need to have at least one common-law employee (not including spouses or owners) working an average of 30 hours per week. Most carriers also require a minimum employer contribution towards premiums and a certain percentage of eligible employees to enroll in the plan (participation rate). These requirements ensure that the risk pool is balanced and sustainable for the insurer. Small group plans can offer benefits like broader network access, a wider range of plan choices, and simplified administration compared to employees individually seeking coverage. Employer contributions are often tax-deductible for the business, and employee contributions are typically pre-tax, offering tax advantages for both parties.

Cost Considerations for Landscaping Business Health Insurance in Burlington

The cost of health insurance for your landscaping business in Burlington will depend on several factors, including the type of plan you choose (HMO, EPO, PPO), the metal tier (Bronze, Silver, Gold, Platinum), the age and health of your employees, and the specific carrier.

Metal Tier	Average Monthly Premium (Individual, before subsidies)	Key Features for Small Businesses
Bronze	$400 - $550+	Lowest premiums, highest deductibles. Good for young, healthy employees or those with minimal healthcare needs. Employer cost-sharing is lower.
Silver	$550 - $700+	Moderate premiums and deductibles. Many employees may qualify for Cost-Sharing Reductions on Silver plans through Connect for Health Colorado, making them a popular choice.
Gold	$700 - $850+	Higher premiums, lower deductibles and out-of-pocket maximums. Better for employees with chronic conditions or those who anticipate frequent medical care.

Note: These are estimated ranges for individual plans in Colorado and can vary based on age, specific plan, and rating area. Small group premiums will differ based on the group's demographics and chosen plan. It's important to consider both the monthly premium and the out-of-pocket costs (deductibles, copayments, coinsurance) when selecting a plan. A higher deductible plan might have a lower premium, but employees will pay more out-of-pocket before coverage kicks in.

Health Insurance Carriers in Burlington

For 2026, 6 carriers offer marketplace plans in Rating Area 9, which covers Alamosa, Baca, Bent, Chaffee, Cheyenne, Clear Creek, Conejos, Costilla, Crowley, Custer, Elbert, Fremont, Gilpin, Huerfano, Kiowa, Kit Carson, Lake, Las Animas, Lincoln, Logan, Morgan, Otero, Park, Phillips, Prowers, Pueblo, Sedgwick, Washington, Yuma counties. Landscaping businesses in Burlington can explore options from the following confirmed carriers:

Cigna
Denver Health Medical Plan
HMO Colorado
Kaiser Permanente
Select Health
United Healthcare

These carriers offer a variety of plans, including HMO, EPO, and PPO structures, allowing you to choose a network that best suits your employees' needs and preferences. When evaluating carriers, consider their network of providers in and around Burlington, their formulary for prescription drugs, and their customer service reputation. Kit Carson County has no acute care hospitals within its boundaries, so residents travel to a neighboring county for acute care. This makes network breadth a key consideration for Burlington-based businesses.

Choosing the Right Plan for Your Landscaping Business

Making the right health insurance decision for your landscaping business in Burlington requires a careful assessment of your budget, your employees' needs, and the administrative burden you're willing to take on.

Burlington, a community of 3,152 residents in Kit Carson County, has a median household income of $74,308 and an uninsured rate of 12.3%, per U.S. Census Bureau ACS 2024 5-year estimates. This specific local context means that offering competitive health benefits can be a significant draw for retaining skilled workers in the landscaping industry, especially given the county's lack of acute care hospitals, which often means residents rely on a broader network for specialized care. Connecting with a licensed health insurance producer can help you compare group plans, understand federal and state regulations, and navigate the Connect for Health Colorado marketplace to find the best fit.

Consider these steps:

Assess Your Budget: Determine how much your business can realistically contribute to employee premiums and what kind of out-of-pocket costs your employees can manage.
Survey Employee Needs: Understand if your team prefers lower premiums with higher deductibles, or higher premiums with more predictable out-of-pocket costs. Consider their current doctors and preferred hospitals.
Explore Plan Types: Decide between HMO, EPO, or PPO plans based on network flexibility and referral requirements. PPO plans typically offer the most flexibility but can come with higher costs.
Review Carrier Options: Compare the plans offered by Cigna, Denver Health Medical Plan, HMO Colorado, Kaiser Permanente, Select Health, and United Healthcare in Rating Area 9.
Consider HRAs: If a traditional group plan isn't the right fit, look into QSEHRA or ICHRA options to provide financial assistance for individual coverage.
Get Professional Guidance: A licensed health insurance producer can provide personalized advice, compare quotes, and help you enroll, often at no cost to you.

Frequently Asked Questions

What are the minimum employee requirements for small business health insurance in Colorado?

Generally, small group health plans in Colorado require at least two full-time equivalent employees, with at least one non-owner employee enrolled in the plan. Rules can vary, so it's best to consult with a licensed producer.

Can I offer health insurance to seasonal landscaping employees in Burlington?

Eligibility for seasonal employees depends on the specific plan and your business's definition of 'full-time equivalent.' Many small group plans focus on employees working 30+ hours per week consistently. Short-term or part-time seasonal workers may need to explore individual marketplace plans through Connect for Health Colorado.

Are there tax benefits for offering health insurance to my landscaping crew?

Yes, small businesses in Colorado may qualify for tax credits (like the Small Business Health Care Tax Credit) or deductions for premiums paid toward employee health insurance. These benefits can significantly reduce the net cost of providing coverage. Consult a tax professional for specific advice.

What types of health plans are available for small businesses in Burlington?

Small businesses in Burlington, Colorado, can access various plan types including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. The specific options will depend on the carriers available in Rating Area 9 and your business needs.

Get Your Free Quote

Finding the right health insurance for your landscaping business in Burlington, Colorado, can feel overwhelming. A licensed health insurance producer can simplify the process by providing personalized quotes, explaining your options, and assisting with enrollment. Get started today and ensure your team has the coverage they need.