This memorandum provides information on Colorado's mandated health insurance benefits. The table, "Health Insurance Mandates in Colorado" provides a description of current state laws governing insurance benefits, and the effective date for each law. It is important to keep in mind that state laws apply to fully-insured plans only.

Colorado is considering a program to reduce healthcare premiums in the individual market. Towards this end, the State of Colorado Division of Insurance commissioned a study to determine the cost and feasibility of such a program. As part of the update, the Division requested an analysis of lowering health care premiums by lowering costs using a Medicare Reference Based pricing model for reinsurance program claims. A reinsurance program, established...