Neil-Garing Insurance provides the best solutions for your Group Medical, Dental, Short and Long Term Disability, Life and Vision plan needs.

Neil-Garing Insurance provides individual medical coverage for you and/or your family.

Neil-Garing Insurance offers large and small employers benefits planning expertise, proactive service and access to the entire marketplace of insurance carriers.

Neil-Garing Insurance in Glenwood Springs, Colorado



Commercial Lines

Personal Lines

Employee Benefits






Home and Auto


Farm and Ranch


Workers' Comp


Homeowners Associations


Group Employee Benefits


And more

Health Care References and Resources

Employers of all sizes and from all industries are scrambling to figure out what the passage of health care reform means to them. And so is the consumer! These resources can help you understand the implications.

Connect for Health Colorado
A place where individuals can to to shop within the marketplace and see if they quality for subsidy.

Important Notices for Employers - Posted August 2013

When key parts of the health care law take effect in 2014, there will be a new way to buy health insurance: the Health Insurance Marketplace. To assist you as you evaluate options for you and your family, this notice provides some basic information about the new Marketplace and employment based health coverage offered by your employer.

Department of Labor - Notice for Employers With a Current Sponsored Group Health Plan

If you do not have a health plan provided by your employer, this notice may apply.

Department of Labor - Notice for Employers Without a Current Group Sponsored Health Plan

If you are an employer, as of January 2, 2014 you will have an obligation to inform employees of the existence of the Health Insurance Marketplace and the Affordable Care Act.

Department of Labor - Guidance for Employers on the Notice to Employees of Coverage Options

Health Care Reform References

All group plans will need to provide specific preventive care services at 100%. Details may be found on the U.S. Department of Health and Human Services web site:

bullet The Employee Benefits Security Administration offers many tool for employers, including Model Notices employers may use to comply with employee notification requirements.

Additional Resources

bullet America's Health Insurance Plans
bullet HR Policy Association
bullet IRS - Tax Information for Businesses
bullet Kaiser Family Foundation
bullet Society for Human Resource Management
bullet State of Colorado - Healthcare Reform
bullet US Health and Human Services Consumer Web Portal - Understanding the Affordable Care Act
bullet US Health and Human Services - Office of Consumer Information and Insurance Oversight
bullet White House Healthcare Reform

Disclaimer: Links to external, or third party web sites, are provided solely for visitors' convenience. Links taken to other sites are done so at your own risk and Neil-Garing Agency, Inc.  accepts no liability for any linked sites or their content. When you access an external web site, keep in mind that Neil-Garing Agency, Inc. has no control over its content.

Any link from to an external web site does not imply or mean that Neil-Garing Insurance endorses or accepts any responsibility for the content or the use of such web site. We do not give any representation regarding the quality, safety, suitability, or reliability of any external web sites or any of the content or materials contained in them. It is important for users to take necessary precautions, especially to ensure appropriate safety from viruses, worms, Trojan horses and other potentially destructive items.

When visiting external web sites, users should review those web sites' privacy policies and other terms of use to learn more about what, why and how they collect and use any personally identifiable information.


Total Insurance Solutions

Neil-Garing Insurance
Phone 970.945.9111 | Toll Free 800.255.6390
201 Centennial St., 4th Floor | Glenwood Springs, CO  81601
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