Star Ratings
Who Humana Is Best For
Small Groups Seeking Level-Funded Plans
Humana was one of the first carriers to push level-funding downstream to 5-life groups and remains a go-to for healthy small groups wanting potential claims refunds.
Wellness-Focused Employers
The Go365 program gamifies healthy behavior with real rewards — it’s the strongest wellness engagement platform of any major Colorado carrier.
Employers Who Want Bundled Benefits
Humana’s ancillary suite (dental, vision, life) is mature and tightly integrated for simplified billing and administration.
Groups with Stable Claims History
If your group is healthy and predictable, Humana’s level-funded model can return meaningful dollars at the end of the plan year.
Why Colorado Employers Choose Humana
- Level-funded down to 5 lives: One of the only carriers to underwrite small-group level-funding in Colorado.
- Go365 wellness rewards: Employees earn points and real rewards for healthy activities, which drives engagement.
- Strong dental & vision bundle: Humana’s ancillary products are competitively priced and easy to administer.
- ChoiceCare Network: Solid national PPO access through a leased arrangement.
- Caveat: Humana has the highest 15-year average rate increase of the eight major carriers — renewals are frequently a challenge after year one.
Renewal Increase History
Humana’s 15-year average renewal is approximately 8.7% — the highest of the eight major Colorado carriers. Level-funded plans with favorable claims experience can mitigate this, but fully-insured renewals historically run hot.
Humana Annual Rate Increases (2011–2025)
Get a Humana Quote
Humana’s level-funded plans can surprise on price for healthy small groups. Let us help you evaluate whether the savings are worth the renewal risk.
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