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Sage Benefit Advisors In less than 30 minutes we can review you and/or your family's health, income, and tax situation. This will determine what tax credits and cost reductions you may be eligible for and will help to zero in on the best health plan for your needs and budget. In addition, we will ensure that you are properly enrolled for health insurance and that all of your questions have been answered.

Our Fort Collins office is a Certified Connect for Health Colorado enrollment center. Connect for Health Colorado is Colorado's official health insurance marketplace, and the only place to apply for financial help to reduce your monthly health insurance costs.
Services
Sage Benefit Advisors is one of Colorado's premier health insurance agencies. Our Colorado health insurance brokers offer free health insurance consulting and enrollment support for individuals, families, and businesses. We work with every health insurance company in the state. All of our brokers live and work in Northern Colorado and are Certified by Connect for Health Colorado.
Your health insurance is too important to trust to some pushy salesperson or toll-free call center. With all the changes to Colorado health insurance that have taken place recently, it's unwise to shop on your own without seeking professional advice from an experienced health insurance broker. If you register on your own, any mistakes made can be costly in terms of time and money.
Our Fort Collins health insurance brokersare experts at navigating health insurance in Northern Colorado. Our highly experienced and knowledgeable health insurance brokers in Fort Collins will make sure you get connected with the best health insurance plan for you-ensuring that we meet your needs for quality care with an affordable health insurance plan.
For most people, Health Savings Accounts and HSA Plans just make sense. Instead of paying high premiums for a "rich" health plan that you rarely use, why not opt for a high deductible health plan instead (that is much less expensive) and use some of the savings to fund a health savings account in Fort Collins.
Reviews (27)
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Travis Bare
Jun 23, 2022
I worked with Lexi to get my family medical and dental insurance that we needed due to loss of job and a move. It was really confusing and she made it very easy to understand and I feel confident that my family is getting the exact coverage that we needed. I highly recommend Sage Benefit Advisors and ask for Lexi!
Rick B.
Jun 16, 2022
Sifting through the mountain of information about Medicare is more than daunting. Garrett, from Sage Benefit Advisors was great to work with. I now have the confidence to move forward with Medicare and get things done correctly. Highly recommended.
Angie Stiverson
May 19, 2022
We are a small business and were new to offering benefits to the employees. For convenience, the first year we used a provider contracted with our bookkeeping software. Big Mistake! I can't even put into words the nightmare. Sage Benefit Advisors came highly recommended by our tax accountant so I reached out. Best decision ever! Tim and Shannon helped clean up the mess we were in, got the employees enrolled in the correct coverage, added employees who enrolled but were not included in the plan, and did all of this as our open enrollment period was running out in a few days. Shannon continues to go above and beyond to assist me with questions or specific situations and has helped guide me through the whole process leaving no surprises.

Our employees would not have coverage this year if it were not for this group of super heroes! If you're a small business considering benefits for your employees I highly recommend Sage Benefit Advisors!
Jacob Alfieri
May 12, 2022
Steven Kopelke is such a nice broker to work with. He is honest, down-to-earth, and helpful when it comes to finding a health insurance plan fit to the needs of what the customer wants. Thank you Steven!
Danielle Staunton
Apr 26, 2022
Jordan is an awesome benefits specialist. He made sure we understood the details of all plan options, that we didn't miss the enrollment deadline, and answered our many questions. It's so important to have someone you trust to help navigate the health coverage system.
Roshani P.
Feb 22, 2022
I have had the pleasure of having Sage on my side for the past few years as my health insurance advisors. They are prompt, professional, efficient, and extremely Friendly! Navigating through health care options can be a overwhelming and frustrating, Sage makes this process SOOO easy, they basically take care of everything. Thank you Kevin, Adelia and the entire Sage Family. y'all are AMAZING!
Steve Corcoran
Feb 19, 2022
Ive had the pleasure of dealing with Tasha Ford and Steven Kopelke, at Sage, for my personal health insurance needs and now with my Medicare needs. Had a lengthy phone conversation with Steven about Medicare and he was very knowledgeable and professional. There was no high pressure sales pitch. He was very patient and gave me all my options about plans, dollar amounts and time frames. Thanks to the team at Sage for such great advice and service. It's companies like Sage that help make Ft Collins the " Choice City "!
Sophia P.
Jan 21, 2022
I recently left my job and needed to get health insurance of my own. I was stressed and getting called constantly because I didn't know places like Sage existed. I set up an appointment with Steven Kopelke and he was the most helpful. He offered good advice and guidance on getting me the best health insurance deal. I would recommend Sage and Steven to anyone and everyone! Really provided peace of mind.
Judy Blazek
Jan 19, 2022
Awesome! Steven Kopelke is the most patient and knowledgeable agent I have had the pleasure to work with. I went into this knowing very little about Medicare now I feel such confidence to move forward. Steven invited me to stay in touch, call whenever I need to and will help me to make my final choices. He explained the timeline, different plans, and costs. He is taking the stress out of this major life changing event. Thank you so much Steven
Bob Shively
Jan 07, 2022
Garrett is knowledgeable and explains a very complex subject in a clear way. He was very responsive to our needs and made sure all the details were taken care of. I can't imagine finding a better person to work with on all our health insurance needs.
Debbie Balch-Thowe
Jan 06, 2022
We have been using Sage Benefit Advisors for several years. Ashley Rafiti definitely goes above and beyond to help us. She is very competent, knowledgeable, efficient, and personable. I would highly recommend her. She is without a doubt the best!
Lynn Mulcare
Dec 31, 2021
We switched to Sage Benefit Advisors because our previous broker didn't help us out with anything. We are very happy we switched.
Gina Yoo
Dec 13, 2021
Garrett is very knowledgeable in helping you get started with health insurance. Ask for him Everytime!
Kurt Reder
Dec 07, 2021
Garrett has been our advisor for the last two years. He is very responsive and understands our requests and goals. He constantly gives us available options that may work for us. He makes the whole process easy and streamlined. AAA+++ Kurt
Jessi Moore
Dec 06, 2021
I've worked with Ashley Rafiti for a few years now & couldn't be more grateful for her calm demeanor, exceptional in-depth intelligence & endless patience. She makes the confusing, complicated & sometimes terrifying process of navigating insurance feel like a walk in the park and is always prompt with an answer to any question or concern I've ever had. I honestly look forward to working with her every year! Thanks for all your hard work Ashley!
Libby Turner
Dec 02, 2021
What a great team start to finish. Kevin was an amazing resource for strategic decisions and solving problems for a smaller organization. Tasha and her team were always so responsive, patient and helpful in educating us, answering questions and helping with insurance issues.
Jim Ross
Nov 28, 2021
We really appreciate the advice Garrett Alford gave us. His suggestions helped us decide on the best policy for our daughter.
Kim Dittmar
Nov 22, 2021
Kara Donahoe is a reliable source of information when it comes to ANY type of health or life insurance! She has guided us through the "Medicare gauntlet" of choices and we are so satisfied with what she has found for us.
David Conroy
Sep 02, 2021
I have worked with Ashley Rafiti over the last year and a half to get my insurance needs covered (retired). I needed guidance getting new insurance, and she took me through the whole process. She is very knowledgeable with all aspects of the different insurance scenarios. I never felt rushed from her to make a decision. I am so glad I decided to work with Ashley. I highly recommend her!
Hollee Gold
Aug 30, 2021
I highly recommend using a different insurance agent. Because of Jordon Dethlefsen's lack of attention to detail, inability to communicate a timey manner, resulted in me not having dental insurance. He has not taken any accountability, but rather subtly put that back on me. You can buy insurance on your own, but because it's confusing. You. hire someone that understands insurance benefits, can explain them, communicates with you, and makes sure everything is clear, sharing information and educating you on the product you are paying for and in how payments need to be made and received. They get a commission in exchange for helping and servicing the account and they client My.
Robert Schutzius
Feb 16, 2021
I can't speak highly enough about my experience working with Steven Kopelke at Sage Benefits Advisors to secure health, dental, and vision insurance. Steven was very helpful, knowledgeable, and resourceful and offered several alternatives that I had never considered. We ended up securing very affordable and comprehensive coverage for our family, thanks to Steven.
Andrea Stout
Dec 08, 2020
We worked with Garrett earlier this year when we were about to lose insurance because of retirement. Prior to that, we went on the Connect For Health Colorado website and were a little overwhelmed. A friend had recommended Sage Benefit Advisors and thank goodness she did. Garrett was great to work with, took his time explaining CFHC, answered my. seemingly endless questions, and made the process super easy.

He was really responsive (and very gracious about some technical issues for our first appointment early on in the work-from-home COVID situation), and just recently when we had questions about our new 2021 premiums he got right back to us and helped us. I highly recommend working with them!
Lisa Green
Dec 05, 2020
AWFUL. This is my first experience with them after my previous broker retired. My phone appointment Nov 12 was okay, polite, but I didn't feel like they added any value. Still, at least they helped me change my health plan for 2021. Right? WRONG! There was no written confirmation of the change by Dec, so I emailed for confirmation. All I got. was a brief note correctly stating the name of the plan I wanted to change to, but nothing "official" looking.

I double-checked directly with the insurance company, and they had no record of the change! They said they would see it if it was done 3 weeks ago and recommended I contact the broker (Sage). I sent another email yesterday but got no response, so I called today and expressed my concern. I was assured that someone would call me back by the end of the day but no one did.

I thought a broker was supposed to make signing up for insurance easy, but this has been just the opposite. I have spent way too much time on this already, open enrollment ends in less than 2 weeks, and I still don't know what's going on.
Pam Bloskas
Dec 04, 2020
I worked with Steven and he was very helpful. We set up Medicare supplemental insurance and Part D for my husband and he explained everything to us. He helped me get things fixed on Connect for Colorado so I could get my policy without my husband.
Brooks Fisbeck Cirbo
Dec 03, 2020
I absolutely can't rate Ashley and Nora high enough! From start to finish they exceeded my expectations on all levels! Ashley went above and beyond~reaching out to me once on her day off, knowing it would put my mind at ease. That is customer service! They both are very knowledgeable and they made me feel like I knew them on a personal level! They are valuable assets to Sage Benefit Advisors as they know their jobs very well!
Renee Wanger
Oct 11, 2020
Garrett is always so patient and helpful. I love knowing that I don't have to navigate the madness that is health insurance alone :
Rose Abrham
Jul 16, 2020
Steven Kopelke is so helpful and patient. He provides detailed explanations and follows up on matters quickly.