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The Division would like to provide notice that the Commissioner has adopted the following bulletins:
In 2024, the Colorado General Assembly passed House Bill 24-1149 (HB 24-1149) concerning modifications to requirements for prior authorization of benefits under health benefit plans. The legislation requires carriers to post, on a public facing portion of their website, data on the number of approvals and denials of prior authorization requests and data on exemptions offered from prior authorization requirements. The Division is required to adopt rules to ensure the data fields are presented consistently by carriers, and to define categories of prior authorization request denials. As a result, the Division adopted Colorado Insurance Regulation 4-2-101, which is effective January 1, 2026. The adopted regulation includes two new data templates for carriers to utilize when posting prior authorization data.
The purpose of this bulletin is to clarify the Division's position regarding the deadline for the required reporting of prior authorization data and exemptions required by HB 24-1149 and Colorado Insurance Regulation 4-2-101.
The purpose of this bulletin is to clarify the Division of Insurance’s (the Division) perspective on unfair trade practices that lead to manipulation of the insurance market and withholding or denying access to products from Medicare-eligible consumers, and the applicability of Colorado Revised Statutes §§ 10-3-1103 and 10-3-1104 to such practices.
The Division has become aware of conduct by certain insurers offering Medicare Advantage and Medicare Supplement products in this state which, if verified, may violate Colorado law. Reports indicate that some carriers have attempted to restrict access by removing the enrollment application from their website, encouraging producers to avoid selling their products, or changing or discontinuing producer compensation. The Division views such practices, if used to impede consumer access to approved products or to manipulate producer behavior in a way that disadvantages eligible beneficiaries, as an unfair trade practice or method of competition under Colorado Revised Statutes §§ 10-3-1103 and 10-3-1104, which prohibits any method of competition or act in the business of insurance that is unfair or deceptive.
These bulletins are effective on November 26, 2025.
These bulletins, and other Division bulletins, can be found on the Division's website via the following link:
Please do not reply to this email as your response will not be read or forwarded.
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