Colorado insurance laws
What Colorado has enacted on insurance, what each law requires, and what the bills still moving would do. Colorado is one of 51 states that enacted an insurance law in the 2025 and 2026 sessions.
- Bills in scope
- 56bills in scope
- Past committee
- 45past committee
- Most recent action
- 8 June 2026most recent action
Insurance laws enacted in Colorado
35 insurance laws enacted in the Colorado Legislature in the 2025 and 2026 sessions, newest first. Each links to the legislature's own page.
What it requires: Insurers offering multiperil homeowner's insurance in Colorado must pay an annual fee equal to one-half of one percent of total premiums collected on such policies, beginning in 2027. Insurers must not surcharge this fee to policyholders. Homeowners awarded grants must construct roofs meeting resilient roof system standards and select licensed contractors meeting specified criteria.
Property, catastrophe and climate risk
Health coverage and plan regulation
Health coverage and plan regulation
Health coverage and plan regulation, AI and data in underwriting and claims
Workers' compensation, surety and specialty lines
Health coverage and plan regulation
Workers' compensation, surety and specialty lines
Health coverage and plan regulation
Workers' compensation, surety and specialty lines
What it requires: Health insurance carriers must provide remittance advice identifying when a health benefit plan is regulated by state law beginning January 1, 2027. Carriers must provide their median in-network reimbursement rate for out-of-network claims on each remittance advice. Carriers must provide data including methodology for determining median in-network rates when requested by the commissioner.
Health coverage and plan regulation
Health coverage and plan regulation
What it requires: A property owner, contractor, or subcontractor must accept a retainage bond in lieu of retainage if the bond is issued by a licensed Colorado insurer, does not exceed five percent of money earned, meets surety rating requirements, and the obligor faithfully performs the contract and pays all laborers, suppliers, and subcontractors. When a property owner accepts such a bond from a contractor, the contractor must accept a like bond from any subcontractor submitting one.
Workers' compensation, surety and specialty lines
Health coverage and plan regulation
What it requires: Carriers must obtain affirmative consent from participating dental providers before entering third-party network lease agreements granting access to those providers' services and discounts. Carriers must not cancel contracts or refuse to contract with providers based on refusal to consent. Carriers must provide lists of third parties, allow removal of consent, maintain updated websites, give thirty days notice before new agreements, and make contracts available within thirty days of request.
Health coverage and plan regulation, Licensing, solvency and market conduct
Health coverage and plan regulation
What it requires: Companies maintaining a home office or regional home office in Colorado must pay an insurance premium tax rate of one percent on direct written premiums for 2025, and two percent on and after January 1, 2026. The reduced tax rate provisions are repealed effective December 31, 2026.
Licensing, solvency and market conduct
What it requires: The Colorado Health Insurance Affordability Enterprise must allocate revenues to reinsurance programs, carrier payments to reduce individual health plan costs for those receiving premium tax credits, and state-subsidized coverage plans. Insurance companies and C corporations may purchase tax credits from the Department of Treasury by paying sale proceeds to reduce future tax liability. The Health Insurance Affordability Board must seek input from affected individuals before making final recommendations on plans and coverage.
Health coverage and plan regulation
What it requires: An employer or the employer's insurer must use the Division's utilization standards when responding to requests for authorization from a treating physician. An employer or insurer must notify an injured Colorado resident employee of the right to designate a treating physician within seven calendar days of receiving notice of an on-the-job injury. An injured employee may designate a Level I or Level II accredited physician as authorized treating physician.
Workers' compensation, surety and specialty lines
What it requires: A homeowner's insurance carrier must make available to a policyholder a certified copy of the policyholder's insurance policy within thirty calendar days after a written request is received by the insurance carrier's registered agent.
Property, catastrophe and climate risk, Licensing, solvency and market conduct
Health coverage and plan regulation
What it requires: Pharmacy benefit managers must earn income only through a single flat-dollar service fee transparently expressed in written agreements with health benefit plans. PBMs must not earn income based on prescription drug prices, mark-ups, copayments exceeding drug costs, or manufacturer revenues. PBMs must reimburse pharmacies at national average drug acquisition cost plus reasonable dispensing fees and disclose cost information to health benefit plans within thirty days.
Health coverage and plan regulation
What it requires: The director shall set paid family and medical leave insurance premium rates based on specified formulas. From January 1, 2026 through December 31, 2026, the premium is eighty-eight hundredths of one percent of wages per employee. For 2027 and thereafter, the director shall adopt premium rates by rule on or before September 1 of the preceding year to maintain adequate fund reserves and minimize volatility, not exceeding one and two tenths of a percent of wages per employee.
Workers' compensation, surety and specialty lines
What it requires: Health benefit plans providing maternity coverage that are issued or renewed on or after January 1, 2027 must provide coverage without cost sharing for up to three prenatal care office visits. This requirement does not apply to standardized health benefit plans offered pursuant to section 10-16-1305.
Health coverage and plan regulation
What it does: Extends the workers' compensation accreditation program for health-care providers until September 1, 2036, and expands level I accreditation eligibility to any health-care professional regulated under Title 12 who provides workers' compensation treatment. Appropriates $123,933 to the division of workers' compensation for implementation.
Workers' compensation, surety and specialty lines
Health coverage and plan regulation
What it requires: Insurers using wildfire risk models or catastrophe models must submit these models to the Commissioner with descriptions, rate impacts, actuarial justifications, and underwriting explanations. Insurers must incorporate property-specific and community-level mitigation actions into models or provide discounts. Insurers must provide policyholders written notice of wildfire risk scores and appeal rights within specified timeframes.
Property, catastrophe and climate risk, AI and data in underwriting and claims
What it requires: The Commissioner of Insurance must hold two meetings each year with representatives of the title insurance industry, referred to as the Title Insurance Advisory Group. The Commissioner must respond in writing to formal written proposals or recommendations presented by the Advisory Group. The first meeting must occur on or before January 31 each year, and the second on or after June 1 but before August 1 each year unless an alternate time is accepted by the Commissioner.
Workers' compensation, surety and specialty lines
What it requires: All health benefit plans issued or renewed in Colorado must provide coverage for gender-affirming health care as medically necessary and prescribed by a physical or behavioral health-care provider, regardless of the covered person's sex or gender. Health benefit plans shall not deny or limit such coverage when medically necessary and prescribed in accordance with generally accepted standards of care.
Health coverage and plan regulation
What it requires: Insurers must not refuse to issue, cancel, refuse to renew, or increase premiums for homeowners insurance, dwelling fire insurance, or commercial multifamily policies based on dog breed or mixture of breeds. Housing developments receiving state financing on or after January 1, 2026 must authorize tenants to own or keep up to two pet animals subject to reasonable conditions.
Property, catastrophe and climate risk
What it requires: Builders of multifamily attached housing of two or more units may participate in the Multifamily Construction Incentive Program by providing warranties covering defects for one to six years depending on component type, obtaining third-party inspections, and recording a notice of election. Claimants must mitigate damages and pursue warranty remedies before filing construction defect actions.
Property, catastrophe and climate risk, Workers' compensation, surety and specialty lines
What it requires: Health insurance policies must cover preventive health-care services according to task force recommendations, ACIP recommendations, or comprehensive guidelines. If those recommendations are repealed or modified, the commissioner may adopt rules requiring coverage based on guidelines in effect in January 2025 or recommendations from the Nurse-Physician Advisory Task Force. Health savings account-qualified policies are exempt to the extent necessary for federal qualification.
Health coverage and plan regulation
What it requires: Insurers and insurance producers may offer value-added products or services at no cost or reduced cost if they relate to insurance coverage and achieve specified goals like loss mitigation, risk reduction, health enhancement, or financial wellness. The cost must be reasonable compared to premiums, availability must use documented objective criteria applied nondiscriminatorily, and customers must receive contact information.
Licensing, solvency and market conduct
What it requires: An insurer that issues or renews an automobile insurance policy must include in applicable coverage the replacement cost of a child restraint system in a motor vehicle at the time of a motor vehicle accident. Upon claim submission, the insurer must ask if a child restraint system was present and pay or reimburse the claimant for replacement costs.
Auto insurance
What it requires: All member insurers must participate in the FAIR plan association as a condition of authority to transact insurance business in Colorado. The FAIR plan association must assess and share expenses, income, and losses among member insurers based on each member insurer's written premiums in proportion to aggregate premiums written by all member insurers during the preceding calendar year.
Property, catastrophe and climate risk
What it requires: Carriers offering health benefit plans must provide coverage for behavioral, mental health, and substance use disorders no less extensive than physical illness coverage, apply utilization review criteria consistent with generally accepted standards and nationally recognized clinical specialty association guidelines, establish procedures to authorize medically necessary treatment with nonparticipating providers when in-network services are unavailable, and provide meaningful benefits across all benefit classifications.
Health coverage and plan regulation
Insurance in Colorado, by topic
Health coverage and plan regulation
32 bills, 18 enacted. Enacted in 47 states.
Workers' compensation, surety and specialty lines
10 bills, 9 enacted. Enacted in 45 states.
Property, catastrophe and climate risk
10 bills, 6 enacted. Enacted in 31 states.
Licensing, solvency and market conduct
8 bills, 4 enacted. Enacted in 47 states.
AI and data in underwriting and claims
4 bills, 2 enacted. Enacted in 12 states.
Auto insurance
2 bills, 1 enacted. Enacted in 29 states.
Insurance bills in Colorado
The bills not yet law, furthest along first, with what each would do.
35Enacted
3Cleared both chambers
7Past committee
11Introduced or inactive
56 bills in scope
Cleared both chambers
3
Past committee
7
What it would do: Creates a Large Employer Health-Care Support Enterprise that imposes an annual fee on employers with 500+ workers receiving medical assistance benefits, using revenue to support medical assistance premiums and provide grants allowing part-time workers to buy into employer health plans.
What it would do: Requires carriers to include a contract provision notifying providers of material changes and mandates carriers provide written notice by electronic means and registered mail or personal service at least ninety days before the change takes effect.
What it would do: Allows Colorado Medicaid members to purchase direct primary care services and permits direct primary care providers to serve Medicaid members as ordering, prescribing, and referring providers without submitting fee-for-service claims for reimbursement.
What it would do: Creates two government-owned enterprises: the Strengthen Colorado Homes Enterprise, which imposes a 0.5% fee on homeowner's insurance policies to fund grants for resilient roof systems; and the Wildfire Catastrophe Reinsurance Enterprise, which imposes a 0.5% fee to provide reinsurance payments to insurers for wildfire losses.
What it would do: Beginning January 1, 2027, limits reimbursement rates for in-network hospital services in small group health plans to 165% of Medicare rates and out-of-network services to 150% of Medicare rates, with exemptions for essential access hospitals. Creates penalties up to $40,000 per day for non-compliance.
What it would do: Creates the Crash Prevention Enterprise in the Department of Transportation to impose fees up to $3 per insured vehicle annually on automobile insurance policies, with revenue funding transportation infrastructure improvements and wildlife crossing projects to reduce collisions.
What it would do: Requires the commissioner to adopt rules establishing an arbitration process for out-of-network emergency health insurance claims that includes batching multiple claims under one arbitration fee, aligns with federal law, and mandates carriers provide specific payment information and remittance codes to providers.
Introduced or inactive
11
What it would do: Expands the natural disaster mitigation grant program to include homeowners' associations and individual homeowners for impact-resistant roofing and property-specific mitigation actions. Creates a tax subtraction for contributions to catastrophe savings accounts up to $50,000 annually from 2027-2036.
What it would do: Requires homeowner's insurance policies issued or renewed after January 1, 2027 to include mandatory appraisal clauses for disputes over loss amounts, with procedures for selecting appraisers and umpires, and establishes insurer obligations to provide claim documentation and reinspect properties after receiving third-party damage assessments.
What it would do: Requires homeowner's insurance licensees and processors to obtain consumer consent before processing personal data for purposes unrelated to insurance transactions, provide clear privacy notices, allow consumers to access and delete their data, and prohibit retaliation for exercising privacy rights, effective January 1, 2028.
What it would do: Requires all large employer health benefit plans to cover hormone replacement therapy for women experiencing menopause or perimenopause starting January 1, 2027, and individual and small group plans starting January 1, 2028, without prior authorization. Adds hormone replacement therapy to Colorado's Medical Assistance Program effective July 1, 2027.
What it would do: Prohibits pharmacy benefit managers and health-care consultants from making false statements about the legality or safety of prescription drug optimized sourcing programs. Requires them to disclose detailed cost information per claim upon request from self-insured employers without withholding or redacting data.
What it would do: Prohibits pharmacy benefit managers and health-care consultants from making false statements about the legality or safety of alternative prescription drug sourcing programs, requires them to disclose detailed cost information upon request, and authorizes pharmacy stewardship and alternative sourcing programs for self-funded employers.
What it would do: Narrows eligibility for health insurance affordability enterprise subsidies and state-only medicaid-equivalent benefits to individuals who are lawfully present in the United States and meet federal medicaid eligibility requirements.
What it would do: Extends through June 30, 2026 the current allocation of health insurance affordability revenues, then requires the board to prioritize reducing premium increases and costs for documented residents in the individual market, with cost evaluations and allocation decisions reported to the legislature by 2027.
What it would do: Limits health insurance coverage funded by public money to citizens and lawfully residing individuals, eliminates state-subsidized coverage for pregnant noncitizens and children regardless of immigration status, and prohibits state reimbursement for medical services to those not lawfully residing except emergency care.
What it would do: Expands qualified individual eligibility for the Health Insurance Affordability Enterprise, allows fee increases up to one percentage point starting 2026 if federal subsidies decrease, and allocates revenues for Hyde Amendment compliance and legally protected healthcare access.
What it would do: Allows medical malpractice insurers to deny coverage or take prohibited actions against applicants or insureds who provide gender-affirming healthcare services to minors under eighteen. Prohibits insurers from accepting state money for premiums if their policies cover such services.
Bill titles link to the Colorado Legislature's own page.
What counts as insurance legislation
In scope: Health coverage and plan regulation; auto; property and catastrophe; life and annuities; aI and data in underwriting; workers' compensation and specialty lines; and licensing, solvency and market conduct.
Questions
Does Colorado have an insurance law?
Yes. Colorado enacted 35 insurance laws in the 2025 and 2026 sessions, among them SB 155, SB 167 and SB 6. Each is listed on this page with what it requires.
Which insurance bills are moving in Colorado?
10 bills not yet law have passed a committee or a chamber, the furthest along SB 184 (vetoed), HB 1210 (vetoed) and HB 25-1088 (vetoed).
What does Colorado legislate on most in insurance?
Health coverage and plan regulation (32 bills), Workers' compensation, surety and specialty lines (10 bills) and Property, catastrophe and climate risk (10 bills).
Are these summaries reviewed by a lawyer?
No. Which bills count as Insurance bills, and the line on what each law requires or each bill would do, are drafted by software from the bill's own text and not reviewed by an attorney. Every bill links to the legislature's own record: read the text before relying on it. The list covers bills from the 2025 and 2026 sessions.
Other practice areas in Colorado
- AI in Colorado23
- Alcohol in Colorado10
- Cannabis in Colorado14
- Children's Online Safety in Colorado9
- Cybersecurity in Colorado3
- Data center and energy in Colorado5
- Data Privacy in Colorado13
- Employment in Colorado38
- Healthcare in Colorado99
- Intellectual Property in Colorado4
- Packaging and PFAS in Colorado4
- Payments and fintech in Colorado6
- Rental housing in Colorado21
- Tobacco and nicotine in Colorado3
- Transportation in Colorado7
- All jurisdictions
Insurance legislation in other jurisdictions
52 more currently hold bills in this tracker
- New Jersey539
- New York481
- Texas314
- Massachusetts246
- Connecticut230
- Louisiana214
- Maryland208
- Missouri197
- Hawaii190
- Rhode Island188
- Mississippi187
- Florida185
- West Virginia175
- Illinois174
- Virginia158
- Montana155
- Oklahoma152
- Pennsylvania152
- California146
- Michigan137
- Iowa127
- Georgia112
- Kentucky109
- Tennessee99
- Indiana93
- Arizona91
- South Carolina86
- North Carolina80
- Minnesota78
- Oregon74
- Ohio70
- Utah70
- Arkansas68
- Washington67
- Kansas66
- Maine66
- New Hampshire63
- Nebraska60
- New Mexico59
- Nevada54
- Congress48
- Wisconsin48
- Idaho47
- Alaska38
- Alabama32
- Delaware30
- North Dakota29
- Vermont29
- South Dakota21
- District of Columbia8
- Puerto Rico6
- Wyoming4
Know when Colorado's insurance law changes
An alert when a bill moves, and one report a month on what changed in every state and Congress.