Kelmeg & Associates

What Kelmeg & Associates does

Kelmeg & Associates, Inc. is a privately held, Colorado-based independent insurance brokerage headquartered at 26 Garden Center, Suite 1C in Broomfield, with statewide service. The firm is staffed by three licensed insurance brokers—Chip Murphy, Kelsey Murphy, and Heidi Silwamba—who collectively cover five product lines: Medicare (Advantage, Medigap, and Part D), Individual & Family ACA-compliant plans (via Connect for Health Colorado Marketplace and off-Marketplace options), Employer Group Benefits for small businesses, Supplemental insurance (accident, critical illness, hospital indemnity, disability, dental, vision, travel), and Life Insurance (term, whole, universal, final expense). Each broker holds a defined segment focus, and the firm operates without proprietary technology platforms or proprietary product offerings.

The business model is commission-based: brokers are compensated through commissions embedded in carrier premiums, with no direct client fees except in narrowly defined situations requiring written disclosure (and no fees permitted for Medicaid or CHP+ enrollments). The go-to-market motion is sales-led and consultative, centered on free 10–20 minute consultations booked through Calendly or inbound phone calls, delivered via phone, virtual appointments, or in-person at the Broomfield office. Customer acquisition relies on a content marketing engine (regularly published educational blog), Colorado-targeted SEO, the booking system, and word-of-mouth referrals. No paid advertising channels are disclosed.

Kelmeg serves a long-tail Colorado customer base of Medicare-eligible individuals, self-employed or between-jobs individuals and families, and small employer groups. The firm holds no funding rounds, patents, public awards, regulatory actions, or reported M&A activity. Ownership appears to be founder/management-held with no disclosed institutional backing or parent company. A secondary address (1724 Majestic Dr #109c, Lafayette, CO) appears in some contact listings.

Name

Kelmeg & Associates

Legal name

Kelmeg & Associates, Inc.

Website

https://kelmeg.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

Kelmeg & Associates is a privately held, Broomfield, Colorado-based independent insurance brokerage staffed by three licensed brokers, offering consultative guidance on Medicare, Individual & Family, Employer Group Benefits, Supplemental, and Life Insurance across Colorado.

Ownership category

akta.pro rank

Product category

Health Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

akta.pro secondary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Health insurance brokerage
• Medicare plan comparison
• ACA marketplace enrollment
• Small business benefits
• Life insurance planning

Headquarters

HQ city

Broomfield

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Insurance Broker Commissions: Brokers are compensated through commissions built into plan premiums by insurance carriers. In Colorado, brokers may charge a fee in certain situations where they will not receive a commission, but this requires written disclosure and agreement. No fee can be charged for Medicaid or CHP+ enrollments.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Kelmeg & Associates is a licensed Colorado insurance brokerage that helps individuals, families, and small businesses compare and enroll in health and supplemental insurance coverage. The firm provides side-by-side plan comparisons across carriers for Medicare Advantage/Medigap/Part D, ACA Marketplace and off-Marketplace individual/family plans, employer group benefits, supplemental coverage (accident, critical illness, dental, etc.), and life insurance products. Brokers are compensated via carrier commissions built into premiums, with free consultations delivered via phone, virtual appointments, and in-person meetings at the Broomfield, Colorado office.

Product overview

Kelmeg & Associates is a licensed Colorado insurance brokerage offering a portfolio of health and insurance products through independent broker services. The core offering centers on Medicare plan comparison and enrollment guidance (Medicare Advantage, Medigap, Part D), Individual & Family ACA Marketplace and off-Marketplace plans, Employer Group Benefits for small businesses, Supplemental insurance products (accident, critical illness, hospital indemnity, disability, dental, vision, travel), and Life Insurance (term, whole, universal, final expense). The company operates as a comparison and enrollment brokerage, helping clients evaluate tradeoffs across carriers and plan types rather than offering a single proprietary product platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Medicare Plans Comparison and enrollment guidance for Medicare Advantage, Medigap (Medicare Supplement), and Part D prescription drug plans, targeted at Colorado residents turning 65 or reviewing existing Medicare coverage.
• Individual & Family Plans ACA-compliant health insurance through Connect for Health Colorado Marketplace and off-Marketplace options for self-employed individuals, families between jobs, early retirees, and those without employer coverage.
• Employer Group Benefits Small business health insurance brokerage covering group medical, dental, vision, and ancillary benefits, with renewal strategy and employee enrollment support for Colorado employers.
• Supplemental Insurance Supplemental insurance brokerage offering accident, critical illness, hospital indemnity, disability, dental, vision, and travel insurance products to complement primary health coverage for individuals and employers.
• Life Insurance Life insurance brokerage across term, whole, universal, and final expense products for family protection, income replacement, and end-of-life expense planning.

Quantifiable outcome

• No quantifiable outcomes disclosed

Named customers6 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core and minor.

• Connect for Health ColoradocoreChannel Partner/ Reseller/ DistributorColorado's official health insurance Marketplace where Kelmeg helps clients enroll in ACA-compliant plans. Kelmeg is a licensed broker assisting with Connect for Health Colorado enrollments, special enrollments, and financial assistance (APTC/CSR) eligibility.
• AflacminorChannel Partner/ Reseller/ DistributorSupplemental insurance carrier partner listed on website. Aflac provides accident, critical illness, and other supplemental coverage options that Kelmeg offers to clients.

Scale indicators1 record

Recent moves5 records

Expansion highlights3 records

Emerging players

• HealthSherpa: ACA Marketplace enrollment platform and broker tool used by independent agents to enroll clients in Marketplace plans. Highly comparable to the technology backbone of Kelmeg's Connect for Health Colorado ACA business; competes on the agent-enabled enrollment side of the same market.

Direct peers

• eHealth: Online health insurance marketplace and brokerage for Medicare, ACA, and ancillary products across many carriers. Overlaps directly with Kelmeg's Medicare and Individual/Family offerings; differs in being a primarily digital-first platform rather than a local-broker model.
• SmartFinancial: Online insurance comparison and brokerage platform for health, Medicare, life, and supplemental coverage across multiple carriers. Comparable product breadth and independent multi-carrier positioning to Kelmeg, with a digital-first acquisition motion rather than local in-person service.
• SelectQuote: Direct-to-consumer insurance brokerage specializing in Medicare, life, and health coverage comparison across multiple carriers. Closely aligned with Kelmeg's value proposition of side-by-side plan comparison and multi-carrier independence, though SelectQuote operates at national scale with a primarily digital/contact-center motion.
• HealthMarkets: National insurance brokerage matching individuals, families, and small businesses with health, Medicare, supplemental, and life coverage across multiple carriers. Highly comparable to Kelmeg in product lines and independent broker model, though operating at much greater scale across all 50 states.
• GoHealth: Health insurance brokerage focused on Medicare Advantage, Medicare Supplement, and Part D plans sold via licensed agents. Direct competitor in Kelmeg's core Medicare segment, with a phone/agent-assisted sales motion that mirrors Kelmeg's broker-led consult approach.
• Hii.co: Digital insurance brokerage with a guided, agent-assisted approach to Medicare and ACA plan selection. Mirrors Kelmeg's consultative motion with a tech-enabled twist; competing for the same Medicare/ACA shoppers in Colorado and other states.
• HealthPlanOne: Insurance brokerage focused on Medicare and individual/family health plans, connecting consumers to carrier options via licensed agents. Directly comparable in Medicare focus and agent-assisted consult model to Kelmeg's Colorado Medicare business.

Others

• Aflac: Supplemental insurance carrier (accident, critical illness, hospital indemnity) whose products Kelmeg distributes as a broker. Not a direct competitor in brokerage services; rather an upstream carrier partner in Kelmeg's supplemental insurance offerings.
• Connect for Health Colorado: Colorado's official ACA health insurance Marketplace. Kelmeg is a licensed broker partner assisting with Marketplace enrollments, but the Marketplace itself is the regulated platform through which Kelmeg transacts ACA business rather than a competing broker.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/kelseylmackley
• Facebookfacebook.com/kelmeginsurance
• LinkedInlinkedin.com/company/kelmeg-and-associates-inc.

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kelmeg & Associates