Title 10, Insurance
0 chapters · 1,354 sections in this title.
Colo. Rev. Stat. § 10-19-113.3 Incontestability period
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(1) With respect to a policy or certificate that has been in force for less than six months, an insurer may rescind a long-term care insurance policy or certificate or deny a long-term care insurance claim under such a policy upon a showing of misrepresentation that is material t…
Colo. Rev. Stat. § 10-19-113.4 Nonforfeiture benefits - rules
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(1) Except as provided in subsection (2) of this section, a long-term care insurance policy may not be delivered or issued for delivery in this state unless the policyholder or certificate holder has been offered the option of purchasing a policy or certificate including a nonfor…
Colo. Rev. Stat. § 10-19-113.5 Requirement to offer basic and standard long-term care plans - advisory committee established. (Repealed)
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C.R.S. 10-19-113.5Statutes current through Chapter 65 of the 2026 Regular Session, effective as of April 20, 2026. The text of this section is not final. It will not be final until compared to, and updated from, the text provided by the Colorado Office of Legislative Legal Servic…
Colo. Rev. Stat. § 10-19-113.6 Producer training requirements
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(1) (a) An individual may not sell, solicit, or negotiate long-term care insurance unless the individual is licensed as an insurance producer for accident and health or sickness or life insurance and has completed a one-time training course and ongoing training every twenty-four …
Colo. Rev. Stat. § 10-19-113.7 Rules
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The commissioner shall adopt rules to promote premium adequacy, to protect the policyholder in the event of substantial rate increases, and to establish minimum standards for marketing practices, producer education, producer compensation, producer examination, penalties, and repo…
Colo. Rev. Stat. § 10-19-114 Compliance
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No policy may be advertised, marketed, or offered as long-term care or nursing home insurance unless it complies with the provisions of this article. Source: L. 90: Entire article R&RE, p. 649, � 1, effective July 1.
Colo. Rev. Stat. § 10-19-114.5 Penalties
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In addition to any other penalties provided by the laws of Colorado, any carrier or any producer who violates any requirement of Colorado law relating to the regulation of long-term care insurance or the marketing of such insurance shall be subject to a fine of up to three times …
Colo. Rev. Stat. § 10-19-115 Severability
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If any provision of this article or the application thereof to any person or circumstance is for any reason held to be invalid, the remainder of the article and the application of such provision to other persons or circumstances shall not be affected thereby. Source: L. 90: Entir…
Colo. Rev. Stat. § 10-20-101 Short title
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The short title of this article 20 is the Life and Health Insurance Protection Association Act. Source: L. 91: Entire article added, p. 1256, � 1, effective July 1. L. 2023: Entire section amended, (HB 23-1303), ch. 195, p. 978, � 2, effective May 15.
Colo. Rev. Stat. § 10-20-102 Legislative declaration
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(1) The general assembly finds and declares that the purpose of this article 20 is to protect, subject to certain limitations, the persons specified in section 10-20-104 (1) against failure by member insurers in the performance of their contractual obligations under life insuranc…
Colo. Rev. Stat. § 10-20-103 Definitions
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As used in this article 20, unless the context otherwise requires: (1) Account means any of the three accounts created pursuant to section 10-20-106. (2) Association means the life and health insurance protection association as established by this article. (2.5) Authorized assess…
Colo. Rev. Stat. § 10-20-104 Coverage and limitations - coordination of benefits
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(1) This article 20 provides coverage for the policies and contracts specified in subsection (2) of this section and to persons: (a) Who are owners of, certificate holders under, or enrollees in such policies or contracts, other than structured settlement annuities, and who: (I) …
Colo. Rev. Stat. § 10-20-105 Construction
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This article shall be construed to effect the purpose set forth in section 10-20-102, which shall constitute an aid and guide to interpretation. Source: L. 91: Entire article added, p. 1261, � 1, effective July 1.
Colo. Rev. Stat. § 10-20-106 Creation of the association
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(1) There is hereby created a private nonprofit legal entity to be known as the life and health insurance protection association. All member insurers shall be and remain members of the association as a condition of their authority to transact insurance or health maintenance organ…
Colo. Rev. Stat. § 10-20-107 Board of directors
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(1) The board of directors of the association consists of no fewer than seven nor more than eleven member insurers serving terms as established in the plan of operation. Member insurers shall select members of the board, subject to the approval of the commissioner. If a vacancy o…
Colo. Rev. Stat. § 10-20-108 Powers and duties of the association
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(1) If a member insurer is an impaired insurer, the association may, in its discretion and subject to any conditions imposed by the association that do not impair the contractual obligations of the impaired insurer and that are approved by the commissioner: (a) Guarantee, assume,…
Colo. Rev. Stat. § 10-20-109 Assessments
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(1) For the purpose of providing the funds necessary to carry out the powers and duties of the association, the board shall assess each member insurer separately for each account at such time and for such amounts as the board finds necessary. Assessments shall be due not less tha…
Colo. Rev. Stat. § 10-20-110 Plan of operation - rules
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(1) (a) The association shall maintain a plan of operation to assure the fair, reasonable, and equitable administration of the association. The plan of operation and any amendments thereto shall be submitted to the commissioner and be effective upon the commissioner's written app…
Colo. Rev. Stat. § 10-20-111 Powers and duties of the commissioner
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(1) In addition to any other powers and duties specified in this article 20, the commissioner shall: (a) Upon request of the board, provide the association with a statement of the premiums in this and any other appropriate states for each member insurer; (b) Notify the board of t…
Colo. Rev. Stat. § 10-20-112 Prevention of insolvencies
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(1) To aid in the detection and prevention of member insurer insolvencies, it is the duty of the commissioner: (a) To notify the commissioners of all the other states, territories of the United States, and the District of Columbia when action is taken in any of the following matt…
Colo. Rev. Stat. § 10-20-113 Credits for assessments paid - tax offsets
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(1) (a) A member insurer may offset against its premium tax liability to this state that amount of its class B assessment described in section 10-20-109 that was assessed for the association's life and annuity accounts pursuant to section 10-20-106 to the extent of twenty percent…
Colo. Rev. Stat. § 10-20-114 Miscellaneous provisions - definition
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(1) Nothing in this article 20 reduces the liability for unpaid assessments of the insureds of an impaired or insolvent insurer operating under a plan with assessment liability. (2) The association must keep records of all meetings of the board to discuss the activities of the as…
Colo. Rev. Stat. § 10-20-115 Examination of the association - annual report
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The association shall be subject to examination and regulation by the commissioner. The board shall submit to the commissioner each year, not later than one hundred twenty days after the close of the fiscal year of the association, a financial report in a form approved by the com…
Colo. Rev. Stat. § 10-20-116 Tax exemptions
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The association shall be exempt from payment of all fees and all taxes levied by this state or any of its subdivisions, except taxes levied on real and personal property. Source: L. 91: Entire article added, p. 1280, � 1, effective July 1.
Colo. Rev. Stat. § 10-20-117 Immunity
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There shall be no liability on the part of and no cause of action of any nature shall arise against any member insurer, its agents, or its employees, the association, its agents, or its employees, members of the board or the commissioner or his representatives for any action or o…
Colo. Rev. Stat. § 10-20-118 Stay of proceedings - reopening default judgments
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All proceedings in which the impaired or insolvent insurer is a party in any court in this state shall be stayed for one hundred eighty days after the date an order of conservation, rehabilitation, or liquidation is final to permit proper legal action by the association on any ma…
Colo. Rev. Stat. § 10-20-119 Prohibited advertisement of association article in insurance sales - notice to owners, certificate holders, and enrollees
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(1) A person, including a member insurer and any agent or affiliate of a member insurer, shall not make, publish, disseminate, circulate, or place before the public, or cause directly or indirectly to be made, published, disseminated, circulated, or placed before the public, in a…
Colo. Rev. Stat. § 10-20-120 Prospective application
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This article 20, as amended, does not apply to any member insurer that is declared insolvent on or before May 15, 2023. Source: L. 91: Entire article added, p. 1282, � 1, effective July 1. L. 2023: Entire section amended, (HB 23-1303), ch. 195, p. 996, � 16, effective May 15. HEA…
Colo. Rev. Stat. § 10-21-101 to 10-21-106. (Repealed)
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C.R.S. 10-21-101Statutes current through Chapter 65 of the 2026 Regular Session, effective as of April 20, 2026. The text of this section is not final. It will not be final until compared to, and updated from, the text provided by the Colorado Office of Legislative Legal Services…
Colo. Rev. Stat. § 10-22-101 Short title
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This article is known and may be cited as the Colorado Health Benefit Exchange Act. Source: L. 2011: Entire article added, (SB 11-200), ch. 246, p. 1073, � 1, effective June 1.
Colo. Rev. Stat. § 10-22-102 Legislative declaration - intent
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The general assembly determines and declares that with the March 23, 2010, enactment of the federal Patient Protection and Affordable Care Act, Pub.L. 111-148, and the March 30, 2010, enactment of the Health Care and Education Reconciliation Act of 2010, Pub.L. 111-152, which all…
Colo. Rev. Stat. § 10-22-103 Definitions
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As used in this article 22, unless the context otherwise requires: (1) Board means the board of directors of the exchange, appointed in accordance with section 10-22-105. (2) Committee means the Colorado health insurance exchange oversight committee created in section 10-22-107. …
Colo. Rev. Stat. § 10-22-104 Health benefit exchange - creation
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There is hereby created a nonprofit unincorporated public entity known as the health benefit exchange. The board of directors shall govern the operation of the exchange. The board shall determine and establish the development, governance, and operation of the exchange. The exchan…
Colo. Rev. Stat. § 10-22-105 Exchange board of directors
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(1) (a) There is created the board of directors of the exchange. The board consists of twelve members, including nine voting members appointed pursuant to subsection (1)(b) of this section and three nonvoting, ex officio members as set forth in subsection (1)(c) of this section. …
Colo. Rev. Stat. § 10-22-106 Powers and duties of the board
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(1) The board is the governing body of the exchange and has all the powers and duties necessary to implement this article 22. The board shall: (a) Appoint an executive director to administer the exchange, subject to approval by the committee; (b) Create an initial operational and…
Colo. Rev. Stat. § 10-22-107 Colorado health insurance exchange oversight committee - creation - duties - repeal
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(1) (a) For the purposes of guiding implementation of an exchange in Colorado, making recommendations to the general assembly, and ensuring that the interests of Coloradans are protected and furthered, there is hereby created the Colorado health insurance exchange oversight commi…
Colo. Rev. Stat. § 10-22-108 Moneys for implementation, operation, and sustainability of the exchange
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Moneys received by the board for the implementation of this article, and for building reserves for the operation and sustainability of the exchange pursuant to section 10-22-109, must be transferred directly to the exchange for the purposes of this article. The board shall deposi…
Colo. Rev. Stat. § 10-22-109 Funding for the operation of the exchange and reserves - special fees - rules
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(1) On and after January 1, 2014, among other funding sources derived through the operation of the exchange, funding for the exchange may be from the following sources: (a) Special fees assessed against insurers as provided in subsection (2) of this section; and (b) Any moneys ac…
Colo. Rev. Stat. § 10-22-110 Tax credit for contributions to the exchange - allocation notice - rules - repeal
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(1) (a) For the tax year 2013 and each tax year thereafter, a credit against the tax imposed by sections 10-3-209 and 10-6-128 is allowed to any insurance company that becomes a qualified taxpayer by making a contribution to the exchange pursuant to this section. (b) A qualified …
Colo. Rev. Stat. § 10-22-111 Tax exemption
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The exchange is exempt from any tax levied by this state or any of its political subdivisions. Source: L. 2013: Entire section added, (HB 13-1245), ch. 258, p. 1364, � 5, effective May 23. 10-22-112. Health benefit exchange - referral to private insurance brokers - fees - rules. …
Colo. Rev. Stat. § 10-22-112 Health benefit exchange - referral to private insurance brokers - fees - rules
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(1) The exchange shall include the following in its protocol for interacting with consumers in order to assist consumers in enrolling in health benefit plans: Upon a consumer’s contact with the exchange when seeking assistance in selecting a qualified health plan, whether online …
Colo. Rev. Stat. § 10-22-113 Colorado affordable health care coverage easy enrollment program - advisory committee - creation - appointments - duties - definitions - repeal
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(1) There is hereby created the Colorado affordable health care coverage easy enrollment program for the purpose of leveraging the individual income tax filing process to maximize the enrollment of eligible uninsured individuals in a health-care coverage affordability program. (2…
Colo. Rev. Stat. § 10-22-114 Standardized plan survey - repeal
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(1) The exchange shall conduct a survey in collaboration with the division that addresses the experience of consumers who purchased the standardized health benefit plan established pursuant to section 10-16-1304. The survey must be completed on or before January 1, 2026. (2) This…
Colo. Rev. Stat. § 10-22-115 Public awareness and education campaign - board - report - repeal
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(1) (a) On or before July 1, 2023, the board shall create and implement a public awareness and education campaign in order to educate consumers in Colorado regarding the options for obtaining health-care coverage. (b) (I) On or before September 1, 2023, the board shall use the pu…
Colo. Rev. Stat. § 10-23-101 Definitions
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As used in this article, unless the context otherwise requires: (1) Cash-bonding agent means a person who was licensed by the division as of January 1, 1992, to write bail bonds as a cash-bonding agent. (2) On the board means that the name of the person has been publicly posted o…
Colo. Rev. Stat. § 10-23-102 Registration required - qualifications - enforcement
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(1) No person qualifies to be a professional cash-bail agent unless the person registers with the division. However, any bail bonding agent who was licensed by the division as of January 1, 1992, to write bail bonds as a cash-bonding agent may continue to be registered upon compl…
Colo. Rev. Stat. § 10-23-103 Registration requirements - application
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(1) An applicant for registration as a professional cash-bail agent shall supply the following information to the division: (a) Whether the applicant during the last ten years has been convicted of a felony, entered a guilty plea to a felony, accepted a plea of nolo contendere to…
Colo. Rev. Stat. § 10-23-104 Fees
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(1) (a) Each professional cash-bail agent and cash-bonding agent shall pay an application fee set by the division in an amount to offset the direct and indirect cost of processing registration applications and issuing a registration. (b) Each professional cash-bail agent and cash…
Colo. Rev. Stat. § 10-23-105 Qualification bond - forfeiture
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(1) Each cash-bonding agent shall post a cash qualification bond of fifty thousand dollars with the division. The bond must be to the people of the state of Colorado in favor of any court in this state, whether municipal, county, district, or other court, and to the division for …
Colo. Rev. Stat. § 10-23-106 Discipline - hearing - civil penalty
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(1) The division may deny, suspend, revoke, or refuse to renew a registration, or issue a cease-and-desist order in accordance with this section, upon reasonable grounds that the registrant: (a) Failed to post a qualified bond in the required amount with the division while engage…