Small Business Health Insurance for Roofing Companies in Aurora, Colorado

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

Aurora small businesses, including roofing companies, can access group health plans through Connect for Health Colorado's SHOP Marketplace or directly from 6 confirmed local carriers.
Individual employees of small businesses in Aurora may qualify for premium tax credits if their household income is between 100% and 400% of the Federal Poverty Level.
Colorado expanded Medicaid (Health First Colorado) in 2014, covering adults with income up to 138% FPL, offering a no-cost option for some small business owners and employees.
In 2026, plan types available in Aurora's Rating Area 1 include Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans.

Navigating health insurance options for your roofing company and its employees in Aurora, Colorado, requires understanding both group and individual market pathways. Small businesses, generally defined as having 1 to 50 employees, have specific avenues for securing coverage, including the Small Business Health Options Program (SHOP) offered through Connect for Health Colorado, the state's official health insurance marketplace. Depending on your business size, budget, and employee needs, you may find that traditional group plans, individual coverage with tax credits, or even Medicaid (Health First Colorado) are viable solutions. It's crucial to evaluate all possibilities to ensure your team has access to the health care they need while managing costs effectively.

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Understanding Small Business Health Insurance Options in Aurora

For roofing companies and other small businesses in Aurora, securing health insurance for employees can be approached in several ways. The primary options typically involve either offering a group health plan or supporting employees in obtaining individual coverage.

Group Health Plans for Small Businesses

Small businesses with 1 to 50 employees can utilize the Small Business Health Options Program (SHOP) via Connect for Health Colorado. The SHOP Marketplace allows employers to offer health and dental coverage to their employees. To qualify for a SHOP plan, an employer generally needs to:

Have at least one eligible employee besides the owner, a spouse, or a dependent.
Contribute a minimum percentage (often 50%) to employee premiums.
Maintain a certain level of employee participation in the plan.

Offering a SHOP plan can provide tax advantages. The Small Business Health Care Tax Credit can help eligible small employers cover the cost of premiums. To qualify for this credit, your business must have fewer than 25 full-time equivalent employees, pay average annual wages of less than $58,000 per employee, and contribute at least 50% of employee premium costs.

Individual Health Plans with Employer Support

Alternatively, many small businesses, especially those with fewer employees or those seeking more flexibility, opt not to offer a traditional group plan. Instead, they might support employees in purchasing individual health insurance plans through Connect for Health Colorado. This can be done via:

Individual Coverage Health Reimbursement Arrangements (ICHRA): Employers can offer tax-free money for employees to use on health insurance premiums and other medical expenses.
Qualified Small Employer Health Reimbursement Arrangements (QSEHRA): For employers with fewer than 50 full-time employees, this allows them to reimburse employees for health insurance premiums and medical costs.

Employees purchasing individual plans through Connect for Health Colorado may qualify for significant financial assistance, such as premium tax credits and cost-sharing reductions, based on their household income and family size. Aurora, Colorado, with a population of 394,432 and an uninsured rate of 13.7% per U.S. Census Bureau ACS 2024 5-year estimates, presents a diverse market for health insurance. This city is located in Arapahoe County, which is part of Colorado Rating Area 1. Rating Area 1 also covers Adams, Broomfield, Denver, Douglas, and Jefferson counties. The Medical Center of Aurora & South Hospital and Adventhealth Littleton are among the three acute care hospitals serving Arapahoe County, providing local options for medical care.

Eligibility for Subsidies and Medicaid in Aurora

Understanding the financial assistance available is key for small business owners and their employees in Aurora. Colorado offers robust support for accessing affordable health coverage.

Premium Tax Credits and Cost-Sharing Reductions

For individuals and families, including small business owners and their employees, who purchase plans through Connect for Health Colorado, significant subsidies are available.

Premium Tax Credits (PTC): These reduce your monthly premium. Eligibility is based on household income falling between 100% and 400% of the Federal Poverty Level (FPL). For example, in 2024, a single person earning up to $58,320 or a family of four earning up to $120,000 might qualify.
Cost-Sharing Reductions (CSR): These lower your out-of-pocket costs like deductibles, copayments, and coinsurance. CSRs are available for those with incomes up to 250% FPL and are automatically applied to Silver-tier plans.

These subsidies can make individual plans highly affordable, sometimes more so than small group options, particularly for employees who might not receive substantial employer contributions.

Health First Colorado (Medicaid Expansion)

Colorado expanded its Medicaid program, known as Health First Colorado, in 2014. This means that adults with household incomes up to 138% of the Federal Poverty Level may qualify for comprehensive health coverage at little to no cost. For a single individual, this threshold is approximately $20,120 per year (2024 FPL). This is a crucial safety net for many low-income small business owners, self-employed individuals, and their employees who may not meet the income thresholds for marketplace subsidies. Additionally, Colorado's Child Health Plan Plus (CHP+) covers pregnant women with income up to 195% FPL and children in households up to 260% FPL, providing access to essential care for families in Aurora. Applications for Health First Colorado and CHP+ can be submitted through Colorado PEAK (colorado.gov/PEAK).

Health Insurance Carriers in Aurora

When exploring health insurance options for your roofing company in Aurora, it's important to know which carriers offer plans in your specific rating area. Aurora is part of Colorado Rating Area 1. In 2026, 6 carriers offer marketplace plans in Rating Area 1:

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

These carriers offer a range of plan types, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. PPO plans ARE available on-exchange in Colorado, offered by carriers such as Denver Health Medical Plan and HMO Colorado, among others. This provides marketplace shoppers in Aurora with a broad choice of network structures. When selecting a plan, consider factors such as the monthly premium, deductible, out-of-pocket maximum, and the network of doctors and hospitals. The three acute care hospitals located in Arapahoe County include Hca-healthone DBA Swedish Medical Center in Englewood, The Medical Center of Aurora & South Hospital in Aurora, and Adventhealth Littleton in Littleton. Ensuring your preferred providers and facilities are in-network is a critical step in choosing the right plan.

Choosing the Right Health Plan for Your Roofing Business

The best health insurance strategy for your roofing company in Aurora depends on several factors, including the number of employees, your budget, and the income levels of your team. Here's a decision-making framework:

Situation	Recommended Action	Key Considerations
1-50 Employees, Budget for Employer Contributions	Explore SHOP plans via Connect for Health Colorado or directly with carriers.	May qualify for Small Business Health Care Tax Credit. Offers traditional group benefits.
Fewer than 50 Employees, Limited Budget for Group Plans	Consider offering an ICHRA or QSEHRA to reimburse employees for individual premiums.	Employees can choose individual plans and may qualify for premium tax credits. Offers flexibility.
Employees with Low to Moderate Income (100-400% FPL)	Encourage employees to apply for individual plans through Connect for Health Colorado.	Likely eligible for significant premium tax credits and potentially cost-sharing reductions.
Employees with Very Low Income (Below 138% FPL)	Advise employees to apply for Health First Colorado (Medicaid).	Provides comprehensive, low-cost coverage for eligible individuals and families.
Self-Employed Roofing Contractor	Apply for an individual plan through Connect for Health Colorado.	Likely eligible for premium tax credits based on household income.

A licensed health insurance producer specializing in small business and individual plans can provide invaluable assistance. They can help you navigate the complexities of the Colorado marketplace, compare plan options from carriers like Cigna, Kaiser Permanente, and United Healthcare, and determine eligibility for subsidies or tax credits—all at no additional cost to you.

Frequently Asked Questions

Can a small business in Aurora get group health insurance?

Yes, small businesses with 1-50 employees can explore Small Business Health Options Program (SHOP) plans through Connect for Health Colorado or directly with carriers. Eligibility often requires contributing to employee premiums and maintaining a minimum participation rate.

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

Small businesses in Aurora can access various plan types, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) plans. These options are available through Connect for Health Colorado and directly from local carriers.

Are there subsidies for small business health insurance in Aurora?

Small businesses may qualify for the Small Business Health Care Tax Credit if they have fewer than 25 full-time equivalent employees, pay average annual wages of less than $58,000 per employee, and contribute at least 50% of employee premium costs. Individual employees may qualify for premium tax credits on individual plans if their income is between 100% and 400% of the Federal Poverty Level.

How do I enroll in small business health insurance in Aurora?

You can explore options and enroll through Connect for Health Colorado's SHOP Marketplace, directly with participating health insurance carriers, or with the assistance of a licensed health insurance producer. A licensed agent can help you compare plans and understand eligibility requirements at no cost.