Years before she became one of Colorado’s most trusted insurance advisors, Tasha Riggs was simply a single mother trying to find health insurance for her family.

Like countless people, she started with an online search: “health insurance broker near me.” Within minutes, her phone began ringing. Emails flooded her inbox. More than 100 calls followed, along with quote after quote and automated responses from agents she had never spoken with. Instead of finding clarity, she found herself buried in sales pitches and generic information that did little to answer her questions.

What Tasha wanted wasn’t another quote. She wanted someone to explain what she was buying. She had questions that seemed simple enough. What exactly does a copay cover? How is a deductible different from a maximum out-of-pocket expense? How do you know which plan is right for your family? When she finally reached a broker, she hoped she had found someone who could help. Instead, he emailed her even more quotes and suggested she call the insurance company directly if she wanted answers.

That experience left her asking what seemed like a perfectly reasonable question: If she had to do all the research herself and contact the carrier on her own, what exactly was the purpose of having a broker?

Years later, that question became the foundation of the Tasha Riggs Agency at HealthMarkets. Today, clients throughout the Denver metro area and across Colorado turn to the agency for help with Affordable Care Act health insurance, Medicare enrollment, life insurance, supplemental coverage, and small business health insurance options. As an independent health insurance broker serving Westminster and communities throughout the Front Range, Tasha has spent nearly two decades helping individuals, families, seniors, veterans, and business owners make confident decisions about protecting their health and finances.

Insurance can be confusing, and many people want someone they trust to explain their options. Whether someone needs Affordable Care Act insurance through Connect for Health Colorado, Medicare guidance, life insurance, or supplemental coverage, the agency focuses on education. Some clients are approaching retirement and looking for help understanding how Medicare plans in Colorado work. Others are small business owners who need help creating affordable employee benefits. Regardless of the client’s situation, the team’s mission remains the same: helping people understand their choices and feel confident about the decisions they make.

The low-pressure approach of the Tasha Riggs Agency already sets it apart from many insurance offices. But what happens after enrollment is equally unprecedented. While many agents disappear once the paperwork is complete, Tasha and her team remain actively involved in helping clients navigate the complexities of healthcare. Behind the scenes, they spend countless hours resolving billing issues, answering prescription questions, appealing claims, and working through enrollment problems or provider network concerns. For many clients, having someone who provides help with health insurance claims long after enrollment becomes just as valuable as the policy itself.

Early in her career, Tasha experienced a moment that changed the way she viewed her profession forever. One of her first clients suffered a heart attack less than a year after purchasing coverage. Unable to work for more than three months, he faced not only serious medical concerns but also the stress that comes from losing one’s income. Fortunately, Tasha had helped him put supplemental coverage in place. The policy paid a $10,000 cash benefit that helped him keep up with his mortgage and everyday expenses while he recovered.

Watching that unfold changed her perspective. Insurance was no longer something printed on paper or a product to be sold. It represented security during one of the hardest seasons of someone’s life. It was the difference between keeping everything together and watching it all fall apart. From that point forward, she understood that her work wasn’t really about selecting policies. It was about protecting people and giving them options when life didn’t go according to plan.

Years later, she would come to understand that lesson from an entirely different perspective.

After spending years helping clients prepare for unexpected illnesses and injuries, Tasha found herself facing a challenge she had never anticipated. Despite living an active lifestyle and considering herself healthy, she was diagnosed with cancer. Suddenly, she wasn’t the advisor. She was the patient.

Like so many of the people she had guided over the years, she found herself navigating surgeries, treatments, difficult decisions, and the emotional uncertainty that accompanies a serious diagnosis. Fortunately, the protections she had recommended to clients for years were also in place for her own family. Her health insurance covered the overwhelming majority of her medical expenses, while supplemental coverage provided approximately $40,000 in benefits. That financial support gave her something incredibly valuable: options. It allowed her to continue paying personal bills, focus on healing, and pursue additional treatments. She had the luxury of making decisions based on what was best for her health rather than what she could afford.

The experience changed her perspective. She understood the fear, uncertainty, and mountains of paperwork on a visceral level. She had lived it herself.

Today, the agency still helps clients evaluate everything from major medical coverage and life insurance to dental and vision insurance, critical illness insurance, and hospital indemnity insurance. The goal isn’t to sell coverage but to help clients understand how different layers of protection work together and to prepare them for the unexpected.

Over the years, the agency has continued to evolve alongside the changing needs of Colorado families and businesses. Small business owners throughout Colorado often turn to the agency for employee benefits consulting, including ICHRA solutions and HRA 105 plans that help employers provide meaningful coverage while managing costs. Retirees want help choosing Medicare Advantage Plans and Medicare Supplement Plans that fit their healthcare needs and financial goals. For many families, having a trusted Medicare insurance broker in Colorado provides peace of mind during an important stage of life.

The team also hosts educational events, conducts regular policy reviews, and stays connected with clients long after enrollment. Whether a client has questions about claims, coverage changes, or a major life event, they know they have someone to call.

Another client story remains one of the most meaningful of Tasha’s career. A man riding his motorcycle just blocks from home was struck by another vehicle and left comatose, fighting for his life.

His family tried to make sense of the overwhelming paperwork and uncertainty surrounding his future. His sister eventually arrived at Tasha’s office carrying stacks of bills and insurance documents. More than anything, she wanted her brother to come home to the same life he had loved and to his five rescue dogs faithfully waiting for him.

Fortunately, the protection plan he and Tasha had built together included both health insurance and supplemental coverage. More than $80,000 in tax-free benefits helped keep his mortgage paid and his finances intact during his long recovery. Months later, after surviving a traumatic brain injury and beginning the difficult road back to health, he finally returned home.

His dogs were still there waiting for him.

One day, he told Tasha, “You saved my life.”

She has always been quick to give the credit to his doctors. But what he meant was something deeper. He didn’t wake up to discover his home gone, his finances destroyed, and the life he loved taken away. The doctors kept him alive and helped him recover physically, but the planning he and Tasha had done together protected everything else that mattered most.

Nearly twenty years after sitting at her kitchen table overwhelmed by endless phone calls and unanswered questions, Tasha Riggs still remembers what it felt like to search for help and come up empty. That experience continues to shape the culture of the agency she built.

From Westminster and the Denver metro area to communities throughout the Front Range, Boulder County, Broomfield, Thornton, Arvada, and Lakewood, the Tasha Riggs Agency has built a reputation for personalized guidance and long-term relationships. Over the years, Tasha Riggs Health Insurance has become known for a client-focused approach and white-glove service that emphasizes education, advocacy, and compassion.

Insurance policies can be purchased almost anywhere. What people are really looking for is someone they trust when life doesn’t go according to plan. For nearly two decades, the Tasha Riggs Agency at HealthMarkets has worked to be exactly that—an advocate, a guide, and the kind of resource Tasha herself wished she had found all those years ago.