Health Care Reform

Health Care Reform 

Enacted in 2010, the Affordable Care Act (health care reform law) mandates comprehensive reforms that have broad impacts on those with and without health insurance. As a result of the federal health reform law, Colorado passed three laws to help expand health insurance access to more residents and provide a frame work for more Coloradans to be able to purchase health insurance.

Medicaid Expansion

In January 2013, Governor John Hickenlooper announced that Colorado would expand Health First Colorado (Colorado's Medicaid Program) coverage to more Coloradans. Senate Bill 13-200 was signed in to law in 2013 and expanded Health First Colorado coverage for low-income Coloradans to up to 133 percent of the Federal Poverty Level (FPL) (some earning more may still qualify) beginning on January 1, 2014.

Connect for Health Colorado Marketplace

Additionally, Senate Bill 11-200 was signed in to law in 2011 and created Colorado’s state-based insurance marketplace, Connect for Health Colorado. The Connect for Health Colorado marketplace allows individuals who do not qualify for Health First Colorado (Colorado's Medicaid Program) or Child Health Plan Plus (CHP+) to receive federal financial assistance, such as Tax Credits and Cost-Sharing Reductions, to lower the cost of private health insurance coverage. For more information visit Connect for Health Colorado.

Alignment of Health Insurance Laws

House Bill 13-1266, Alignment of Health Insurance Laws, was signed in to law in 2013. The law aligns Colorado health insurance laws with federal law, providing consumers, insurance carriers, agents, and other stakeholders with one set of health insurance rules. It also created the regulatory environment to support Connect for Health Colorado in becoming a Colorado’s state-based marketplace for health insurance. For more information visit the Department of Regulatory Agencies, Division of Insurance.

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