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Colorado Health Insurance Law Section

Like the rest of this enormous health insurance site, this section on Colorado health insurance law has a table of contents page, and this is it.  From this page you will be able to jump to our various Colorado law pages.  We will also provide a brief overview on the Colorado health insurance law as well.

Colorado Coverage Laws

There are a variety of types of health insurance and a variety of ways health insurance policies can be issued.  Types of health insurance include:

  • Policies that offer comprehensive or “major medical” coverage;
  • Policies that provide limited benefits, such as:
    • Hospital and surgery benefits only
    • Accidental injuries
    • Dental
    • Vision
    • Specified diseases such as cancer
    • Medicare supplements
    • Long-term care
    • Disability income

Health coverage can be issued to individuals, to individuals that are members of associations or to employees of an employer offering health coverage. The laws that apply to health insurance vary by the type of insurance product and if it is issued on an individual or group basis.

You can access information about small employer group insurance premiums, consumer education publications, CoverColorado, HMO service areas, listings of carriers in the small employer group market and most of the individual health carriers along with general information on other health insurance related topics.

If you have any questions about your health coverage, you may contact the Colorado Division of Insurance at 303-894-7490, option 2, or you may email your questions to the Division at: insurance@dora.state.co.us.

Colorado insurance laws do not apply to plans that are self-funded by employers and they do not apply to federal benefit plans, including federal employee benefit plans, Medicare and Medicaid.
In many cases, Colorado insurance laws do not apply to an employer plan if the employer is headquartered in another state.

  • The United States Department of Labor (866-275-7922) can assist with questions about self-funded plans.
  • The Colorado Department of Health Care Policy and Finance (800-221-3943) can assist with Medicaid concerns.
  • Medicare can be contacted at 1-800-Medicare.
  • The contact information for Insurance Divisions in other states can be found at www.naic.org.

Long Term Care Insurance is a variety of services that includes medical and non-medical care to people who have a chronic illness or disability. Long-term care helps meet health or personal needs. Most long-term care is to assist people with support services such as activities of daily living like dressing, bathing, and using the bathroom. Long-term care can be provided at home, in the community, in assisted living or in nursing homes. It is important to remember that you may need long-term care at any age.

Planning for long-term care requires you to think about possible future health care needs. It is important to look at all of your choices. You will have more control over decisions and be able to stay independent. It is important to think about long-term care before you may need care or before a crisis occurs. Even if you plan ahead, making long-term care decisions can be hard.

Long Term Care (link to Colorado page)

What is Long Term Care? (Link to Federal Government Page)



If you have applied to an insurer for a Health Benefit Plan and been rejected or refused because of your health, or denied health insurance due to a pre-existing medical condition, or have exhausted your COBRA benefits, CoverColorado may be able to help. While CoverColorado is not a low income plan, this may be your best option if you are unable to obtain coverage elsewhere and can afford it.

CoverColorado was established by the Colorado legislature in 1991 to help more Coloradans gain access to health care. It is a resource for eligible Colorado residents who do not have coverage through their employers and who cannot get individual coverage from health insurance companies due to a pre-existing medical condition.


In addition to CoverColorado, the state’s high risk pool, all insurers must sell any applicant a health plan according to federal law. While individuals with health problems are still encouraged to join CoverColorado, they are free to apply with the health plan of their choice.