Grove Opens Fort Collins Health Insurance Agency
The independent agency helps residents compare plans as Cigna exits Colorado's individual market at the end of 2026.
Updated on Nov. 3, 2026 in Insurance
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Grove Benefit Advisors has opened an independent health insurance agency in Fort Collins, offering to help individuals, families and small employers compare plans. The launch comes as Cigna prepares to leave Colorado's individual market at the end of 2026.
Why it matters
More than 40,000 Cigna members along the Front Range will need to choose a new plan, and new federal rules change who qualifies for financial help in 2027. Individual-market premiums are projected to rise about 10% on average statewide that year.
Cigna's exit affects more than 40,000 members along the Front Range, and statewide individual-market premiums are projected to rise about 10% on average in 2027. Grove's office is located at 2580 E. Harmony Road, Suite 201 in Fort Collins.
The players
Grove Benefit Advisors
An independent health insurance agency based in Fort Collins that helps individuals, families and small employers compare plans.
Cigna
A major health insurance carrier that is leaving Colorado's individual market at the end of 2026.
Connect for Health Colorado
Colorado's state-based health insurance marketplace where residents enroll in individual coverage during open enrollment.
The details
Grove Benefit Advisors is an independent agency whose licensed advisers meet with clients by phone or video at no cost to the client, and the agency is paid by the insurance company. Plans cost the same whether someone enrolls on their own or through a broker.
Timeline
End of 2026: Cigna exits Colorado's individual market.
Dec. 15: Deadline to enroll for coverage starting Jan. 1.
Jan. 1, 2027: Coverage begins for enrollees who meet the Dec. 15 deadline.
Jan. 15, 2027: Connect for Health Colorado open enrollment ends.
Market Landscape
Cigna's withdrawal from Colorado's individual marketplace leaves its Front Range members to choose among remaining carriers during the state's open enrollment window. Independent agencies such as Grove, which are paid by insurers, are positioned to guide that shift as premiums climb about 10% statewide in 2027.
Residents who buy individual coverage through the marketplace will need to pick a new plan if their Cigna policy ends, and the Dec. 15 deadline determines whether coverage starts Jan. 1. Because premiums are projected to rise about 10% statewide in 2027, comparing plans before open enrollment closes can affect monthly costs.
The takeaway
Compare plans before the Dec. 15 deadline, since Cigna's exit and projected premium increases could change coverage and costs for many Front Range residents in 2027.
What happens next
Connect for Health Colorado open enrollment closes Jan. 15, and the Dec. 15 deadline applies for coverage starting Jan. 1.
Further reading
Explore more about Insurance coverage options as Colorado's individual market shifts for 2027.
Source note: This article includes information reported by BizWest.
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