Colorado Option

Starting in 2023, the Colorado Option will be available to all Coloradans who buy their health insurance on the individual market (i.e. not from an employer) and small employers with less than 100 employees.  With appropriate federal approval, Colorado Option plans will lower health insurance premiums for individuals, families, and small businesses by 15% by 2025.

As part of the Colorado Option, the Division of Insurance (the Division) will create a standardized plan which will allow consumers and businesses to easily compare plans and choose the plan that is right for them. This plan will cover all essential health benefits required by the Affordable Care Act, provide many high value services without consumer cost sharing, and be designed to reduce racial health disparities and improve health equity.

Standardized Plan for the Colorado Option

Colorado Option standardized plan stakeholder meetings

The Colorado Division of Insurance (DOI) is inviting all individuals and organizations to participate in six stakeholder meetings to discuss the framework for the standardized plan for the Colorado Option. The Division is seeking input from interested parties on the structure of the standardized plan, and how to structure the plan to improve health equity, reduce disparities, and incentivize high value services. During the public health emergency, these meetings will be held virtually. Participants are strongly encouraged to attend all meetings to ensure consistency and accurate information flow.

Individuals working in or representing communities that are diverse in regards to race, ethnicity, immigration status, age, ability, sexual orientation, gender identity, or geographic region are specifically invited to participate. Physicians, members of the healthcare industry, consumer representatives, and individuals who are or represent health care workers are also invited to participate. In addition, the Division seeks participation from people from the many geographic regions within our state. 

The Division will host six (6) stakeholder meetings on the following dates and times:

  • Thursday, July 29th, 10:30 AM - 12:00 PM: Overview of the legislation and stakeholder engagement process
  • Thursday, August 12th, 11:30 AM - 1:00 PM: Required benefits and introduction to cost-sharing and benefit design
  • Thursday, September 9th, 11:30 AM - 1:00 PM: Incentivizing high-value care: How can it reduce health disparities and improve health equity? 
  • Friday, September 24th, 10:30 AM - 12:00 PM: Plan Design and Cost Sharing Part 1
  • Monday, October 4th, 2:00 PM - 3:30 PM: Plan Design and Cost Sharing Part 2
  • Thursday, November 4th, 10:30 AM - 12:00 PM: Summary of work and overview of Colorado Option plan 

  Register for the meetings                           Stakeholder Meeting Materials

All workgroup materials will be made publicly available on this webpage. 

Colorado Health Insurance Option Recommendation


Final Proposal / Report
Draft Proposal / Report

Draft Report for Colorado's State Coverage Option - released October 7, 2019
Draft Report for Colorado's State Coverage Option - En Español
Oct. 8, 2019 State Option Stakeholder Presentation - English
Oct. 8, 2019 OPCIÓN DE COLORADO Presentación En Español

Stakeholder Engagement Meetings on Draft Proposal

  • November 7, 2019 - Edwards
  • October 23, 2019 - Grand Junction
  • October 22, 2019 - Hugo
  • October 12, 2019 - Durango
  • October 8, 2019 - Denver, Watch the webcast recorded presentation
  • October 8, 2019 - Pueblo
  • October 8, 2019 - Briefing for Eastern Plains Hospitals

Submitted Stakeholder Presentations
Written Comments from Stakeholders

These letters do not represent the opinions of the Department of Health Care Policy and Financing, the Division of Insurance or the State of Colorado. These are written comments submitted by stakeholders regarding the HB19-1004 Proposal for a State Health Care Coverage Option.