Health Coverage That
Puts Your Family First

Colorado health insurance premiums are climbing again in 2026. Discover
a family-friendly alternative that delivers real coverage, real savings, and
someone who treats you like family — not a policy number.

Traditional Insurance Is Failing Colorado Families

The Problem & The Solution

Skyrocketing Premiums

Colorado’s 2026 rates are jumping significantly — again. Families are paying more every year for coverage they can barely afford to use.

Hidden Costs Everywhere

Surprise bills, confusing deductibles, and fees buried in the fine print. You shouldn’t need a law degree to understand your health coverage.

Health Sharing: A Better Way

Through Smart Health Company, members share medical costs in a community-based model — with transparent pricing and dramatically lower monthly contributions.

Your Family's Health Sharing Guide

Kjell Halvorsen

After 30 years of serving Colorado families through my contracting business, I made a life-changing decision to help families in a different way — by guiding them to affordable, transparent health coverage through health sharing programs.

I became a licensed health insurance agent because I saw too many good families getting crushed by premiums and blindsided by hidden costs. Health sharing through Smart Health Company offers a real alternative, and I believe every family deserves to know it exists.

My philosophy is simple: I treat every client like family. Your needs come first. Your questions always get answered. And you’ll never be pressured into something that isn’t right for you.

Kjell
Licensed Health Insurance Agent • Full Time Servants