File a Complaint
Before filing a complaint via the Consumer Portal link below, please read the information on this page to better understand the Division’s role and the complaint process.
The Division Licenses and Regulates:
- Insurance Companies selling policies in Colorado (including auto, health, homeowners, life, renters, small business, title and travel)
- Insurance Agents (also called Producers) and Agencies
- Bail Bond industry and Bail Bonding Agents
- Public Adjusters
- Preneed Funeral Contract Sellers
- Find more information at our "Insurance Products" page.
Asking Questions & Filing Complaints
If you have a question about your insurance - how it works, what something means or just want to have a better understanding - contact our Consumer Services Team.
303-894-7490 / 800-930-3745 (outside the Denver Metro area) / DORA_Insurance@state.co.us
Monday - Friday, 8:00 a.m. - 5:00 p.m.
Complaints are filed through the Consumer Portal, where you will first need to create an account using an email address and password. The portal is a secure way for consumers to submit insurance complaints and communicate with the Division of Insurance. Once the account is created, you will use the email and password to log into the Consumer Portal.
- After logging in to the Portal, you can submit your insurance complaint.
- There are several pages to complete. Know that the Division needs this information to properly investigate your complaint.
- After your complaint is successfully submitted, a "Complaint ID" will be provided and an email will be sent to you with additional information.
- You will then be given an opportunity to upload supporting documents to the Portal.
- From then on, you will have the ability to communicate directly with the Division about your complaint by adding comments to your complaint through the Portal.
Anytime there is any activity on your complaint that requires your attention, you will be sent an email. You must log into the portal with your email and password to access information about your complaint, including updates and the Division's responses to your complaint.
PLEASE NOTE: The Portal does not automatically save the information you enter. If you do not click the "submit" button after entering your complaint, the information will be lost after two (2) hours of inactivity on your account.
A Note on AI: AI tools are everywhere these days and can be convenient, but they often struggle with the complexities of insurance. The DOI is seeing an increase in AI-generated complaints that often contain significant errors regarding state laws and policy details. Remember: the old adage that “simply because somebody wrote it on the internet, doesn’t make it true” applies with AI tools as well.
If you’re thinking about using an AI tool to file or write a complaint, keep in mind:
- AI is not an expert: AI can generate "hallucinations" or incorrect/misleading advice that may lengthen the time we have to spend on your complaint.
- There is no substitute for real people: For accurate information about your policy or Colorado law, speak with our Consumer Services Team, your insurance agent or a licensed attorney.
- We are here to help: Our Consumer Services Team provides human expertise that AI cannot match.
If you have questions or need to file a complaint, please contact the DOI directly and in your own words rather than relying on AI-generated content.
You can also download and print a Complaint Form / Request for Assistance that can be mailed to the Division.
Downloadable Complaint Form / Formulario de queja descargable
Doctor or other Health Care Provider Complaints
If you have a complaint about a doctor or other health care provider, especially for issues involving inappropriate billing that may be in violation of Colorado's Health Insurance Surprise Billing Protections (HB22-1284) or the federal No Surprises Act, please submit a complaint to the Division of Professions & Occupations using the following link. (Note: This is NOT for complaints about hospitals or other health care facilities.)
Division of Professions and Occupations: File a Complaint
Find more information about surprise billing protections at the Division of Insurance website Federal No Surprises Act / Colorado Out-of-Network Billing.
Pharmacy Benefit Manager (PBM) Complaints
If you have concerns or issues related to a Pharmacy Benefit Manager (PBM), you can file a complaint with the Colorado Division of Insurance. PBMs manage prescription drug benefits for health plans by negotiating drug prices, processing claims, and setting pharmacy reimbursement rates. You can submit complaints about issues such as denied coverage, incorrect drug pricing, reimbursement disputes, or formulary changes.
Division of Insurance: File a Complaint
Your feedback helps us monitor PBM practices and ensure compliance with state laws and requirements, as outlined in Colorado Revised Statutes Section 10-16-122.3.
Consumer Advisories & News Releases
December 18, 2025 - Today, the Colorado Division of Insurance (DOI), part of the Department of Regulatory Agencies (DORA), announced that it was granted enforcement authority over federal Transparency in Coverage (TiC) requirements by the Center for Consumer Information and Insurance Oversight within the Department of Health and Human Services.
December 3, 2025 - With Open Enrollment for 2026 now open, the Division shares tips on how to identify plans that may not cover the care you need.
November 19, 2025 - Division Releases Annual Complaint and Recoveries Report