Health Insurance Affordability Enterprise
Health Insurance Affordability Enterprise
The Health Insurance Affordability Enterprise law is designed to address the affordability of health insurance for Coloradans purchasing coverage on the individual market and expand subsidies for those not eligible under the ACA. It establishes an enterprise to administer a health insurance affordability fee assessed on health insurers and hospitals to fund measures to reduce consumer costs for individual health coverage plans. The enterprise is governed by a 11-member board, with 9 members appointed by the Governor (with the consent of the State Senate).
Upcoming Meetings
Health Insurance Affordability Enterprise Board Meeting (In-Person for Board Members)
Friday, October 3, 2025 from 9:00 am- 1:00 pm. Please register in advance here
For interpretation requests other than English and Spanish, please email lupita.deecheverria@state.co.us
Statute & Regulations
Amended Regulation 4-2-78 Concerning Health Insurance Affordability Enterprise On-Exchange Subsidies - effective November 30, 2025
Emergency Regulation 25-E-03 Concerning Health Insurance Affordability Enterprise On-Exchange Subsidy - effective June 23, 2025
SB 20-215: Health Insurance Affordability Enterprise - signed into law on June 30, 2020
4-2-76: Concerning the Health Insurance Affordability Fee Assessment and Collection Process - effective June 15, 2021
DRAFT Proposed Amended Regulation 4-2-83 Concerning Health Insurance Affordability Enterprise Subsidies for Qualified Individuals Through Premium Wrap and Cost Sharing Reduction Enhancements on the Colorado Option Silver Plan - This regulation is being amended in accordance with HB25B-1006. Please submit your comments on this draft proposed amended regulation no later than 12 PM, September 29, 2025 via DORA_INS_RulesandRecords@state.co.us
Health Insurance Affordability Enterprise Board Members
- Rich Cimino, Consumer
- Michael Conway, Colorado Division of Insurance
- Stephanie Einfeld, Primary Care
- Rebecca Gillett, Board Chair, Consumer
- Shannon Groves, Health Insurance Carrier
- Diana Pineda, Advocate
- Karla Gonzales Garcia, Board Secretary, Consumer
- Kevin Patterson, Board Vice-Chair, Connect for Health Colorado
- Dr. Lilia Cervantes, Hospital
- Kevin McFatridge, Representative of Statewide Association of Health Benefit Plans
- Vacant, Small Business
To apply to the Health Insurance Affordability Board go to the Application for Board / Commission for State of Colorado - select "Health Insurance Affordability Enterprise" from the drop-down menu for "Which Boards and Commissions are you interested in?"
Questions about the procurement process used for the Health Insurance Affordability Enterprise should be directed to Lupita de Echeverria (Lupita.deEcheverria@state.co.us).
Note: All solicitations with or on behalf of Health Insurance Affordability Enterprise are not subject to Colorado Procurement Code, including Article 109 (Remedies).
