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|There are many factors driving the increase in health premiums, including inflation, cost shifting, utilization, introduction of new technology, and many others. This report examines the increases in premiums in Colorado, compares them to the experience nationwide and provides a breakdown of how the actual premiums collected in Colorado were used. Also, this report provides an overview of health insurance in Colorado, the sources of coverage and the types of coverage available.
In addition, an overview of health insurance regulation in Colorado and the roles of the Division of Insurance are provided, including the steps taken to ensure consumer protection. Finally, this report examines the ten largest insurers in Colorado and provides financial information for each of them.
A detailed analysis of the different drivers of health costs, their causes, and recommendations for solutions is being studied by numerous other agencies, organizations and groups around the country with significantly more resources and expertise than the Division of Insurance on this topic. Therefore, this report focuses on providing useful, factual information about health insurance in Colorado.
Health Insurance Cost Report
Rating Factors Allowed by Law in Colorado
State law specifies which factors an insurance company can review in order to adjust health care premiums each year. These “rating factors” vary in each of Colorado’s three insurance markets – large group, small group and individual. This report explains the factors that affect how companies adjust premiums according to the way the factors affect a particular employer or individual.
PPACA Rating Impacts
These reports state the average increase percentage of each of the new required provisions due to federal healthcare reform.