Buying insurance calls in Colorado

A Denver or Colorado Springs desk works from one time zone and a straightforward consent rule, but the state's own ACA exchange is worth knowing before a call ever mentions marketplace coverage.

Health coverage through Connect for Health Colorado

Colorado runs its own ACA exchange, Connect for Health Colorado, rather than using the federal HealthCare.gov platform. The exchange lists plans from the private carriers participating in the state and includes the Colorado Option, a set of standardized plans the state introduced to widen lower-cost choices. Agents handling ACA calls from Colorado consumers should point them to Connect for Health Colorado directly rather than HealthCare.gov, since enrollment windows and plan listings run through the state exchange.

The calling clock in Colorado

All of Colorado is in the Mountain time zone and observes daylight saving time, with no internal split. The federal called-party-local-time window runs 8:00 a.m. to 9:00 p.m. Mountain. For a desk on Eastern time, that translates to a window of 10:00 a.m. to 11:00 p.m. Eastern; for a desk on Pacific time, the window runs 7:00 a.m. to 8:00 p.m. Pacific, an hour earlier than Colorado's own clock.

Recording calls with Colorado consumers

Colorado is a one-party consent state for call recording under Colorado Revised Statute Section 18-9-303. If at least one participant in the call, including the buyer's own agent, consents, the recording is lawful, and Colorado law does not require advance notice or mutual agreement among everyone on the line. If a call also reaches a party physically located in a state requiring every party's consent, the safer approach is to follow that stricter rule for that leg of the call.

This page is general information, not legal advice. Confirm recording consent, telemarketing timing and licensing requirements with your own counsel and with the Colorado Division of Insurance.

Licensing and the Colorado Division of Insurance

Insurance in Colorado is regulated by the Colorado Division of Insurance, part of the state's Department of Regulatory Agencies (DORA), at doi.colorado.gov. The division licenses resident and non-resident producers and handles consumer complaints and market conduct. Any agent taking Callmart calls that reach Colorado consumers needs the appropriate resident or non-resident license before the call connects.

Buying calls in Colorado

Screened inbound calls

Start at $25 per call, billed once connected time meets the campaign's buffer.

CTV calls

Start at $50 per call, sourced from Connected TV advertising.

Availability toggle

Buyers switch buying on or off per campaign and set daily call limits.

Coordinating Denver, Colorado Springs and Fort Collins

A Front Range team spread across Denver, Colorado Springs and Fort Collins still works from a single Mountain-time clock, so staffing a Colorado desk is mostly a question of daily call limits and per-member spending allowances rather than timing. Owners assign roles of owner, manager, agent, finance and reporting, and agents set themselves available or off the clock in the softphone so the campaign's daily limit routes calls only to whoever is actually working.

Inbound calls are recorded for buyers to review, which is a practical way to coach a Colorado team on ACA questions now that Connect for Health Colorado, rather than HealthCare.gov, is the platform they need to reference correctly on the call.

Outside the Front Range, Grand Junction and other western-slope communities are worth including in a statewide Colorado campaign rather than treated as a separate build, since Callmart's national campaigns do not require a buyer to configure coverage city by city.

Common questions