Grove Benefit Advisors opens in Fort Collins as Colorado open enrollment begins

Grove Benefit Advisors has opened in Fort Collins to help Coloradans shop for coverage during Connect for Health Colorado’s Nov. 1-Jan. 15 open enrollment period. The launch comes as average individual-market premiums are set to rise about 10% in 2027 and more than 40,000 Cigna members must find new plans after Cigna exits the state market.

Why it matters: - Colorado shoppers face a more complicated enrollment season as premiums rise, a major insurer leaves the market and federal subsidy rules change for 2027. - Free broker help can reduce the risk that individuals, families and small employers pick plans that do not match their doctors, prescriptions or budgets.

What happened: - Grove Benefit Advisors opened in Fort Collins as an independent health insurance agency focused on helping Coloradans during Connect for Health Colorado open enrollment. - Open enrollment runs from Nov. 1, 2026, through Jan. 15, 2027. - The agency serves individuals, families and small employers. - Licensed advisors meet clients by phone or video at no cost.

The details: - Grove helps clients compare plans, check eligibility for financial help and enroll in coverage that fits how they use care. - Individual-market premiums will rise about 10% on average statewide in 2027, according to the Colorado Division of Insurance. - Cigna is leaving Colorado’s individual market at the end of 2026. - More than 40,000 Cigna members along the Front Range, from Fort Collins to Colorado Springs, need to choose a new plan. - New federal rules change who qualifies for financial help in 2027. - Plans cost the same whether someone enrolls on their own or through a broker, and Grove is paid by the insurance company. - Tina Price, founder of Grove Benefit Advisors, said people should not let a renewal letter roll over without review if their carrier is leaving or their premium rises. - Price said Grove will review doctors and prescriptions and help clients understand what each plan really costs. - Grove says it provides year-round help with claims, renewals and life changes. - Grove helps with individual and family plans through Connect for Health Colorado, including checks for premium tax credits and Colorado state financial help. - Grove also helps Cigna members whose individual coverage ends Dec. 31. - Grove offers group health, dental, vision, life and disability coverage for small employers. - Grove is a certified Connect for Health Colorado broker.

Between the lines: - The timing of the launch positions Grove to capture consumers facing forced plan changes and higher costs, two of the biggest friction points in the individual market. - Broker support matters most when consumers have to compare networks, prescriptions and subsidy eligibility under deadline pressure.

What's next: - Coloradans who want coverage starting Jan. 1 must enroll by Dec. 15. - Consumers can book a free open enrollment review at groveba.com/book-appointment or call (970) 840-1250. - Grove is expected to continue serving clients after open enrollment ends, including with renewals and claims support.

The bottom line: - Grove Benefit Advisors is entering the market at a high-stakes moment for Colorado health insurance shoppers, with higher premiums, a major carrier exit and changing subsidy rules all hitting at once.