Life, Accident & Health

Welcome to Life, Accident, and Health

The Life, Accident, and Health Section reviews rates to ensure they are not excessive, inadequate or unfairly discriminatory. Policy forms are reviewed or certified for compliance.

Some lines of business the Division reviews include but not limited to:

• Comprehensive Major Medical

• Sickness and Accident

• Health Benefit Plans

• Long Term Care

• Medical Supplement

• Credit

• Stop Loss

• Viatical Settlements

Rates must be filed with the Division for all sickness and accident insurance prior to use.

Life Illustrations are required to be certified for compliance and filed with the Division.

Health Cost Reporting

The Division has issued the following reports on the Small Group Market and the Annual Health Cost Report: 

Colorado Small Group Market Activity and Rating Flexibility Report 2010  released May, 2011

Annual Health Cost Report

The Colorado Division of Insurance surveys the health insurance industry to determine the cost of health insurance in Colorado. In accordance with Colorado Revised Statute 10-16-111(4) carriers are required to report a variety of health insurance cost information to the Commissioner of Insurance annually by June 1. The data collected will be aggregated and published on the Division's website. For more information please refer to Colorado Regulation 4-2-31 Annual Health Reporting and Data Retention Requirements