Consumer Advisory: Cease and Desist Orders for Trinity Healthshare and Aliera Healthcare

Concerned about harm to consumers, Division of Insurance issues orders.

DENVER (Aug. 12, 2019) – Today, the Colorado Division of Insurance (DOI), part of the Department of Regulatory Agencies (DORA), issued cease and desist orders for Trinity Healthshare and Aliera Healthcare. Trinity represents itself as a healthcare sharing ministry. Aliera is the administrator, marketer, and program manager  for Trinity. 

Consumer protection is the DOI’s mission, and this action results from concerns about these companies and their interactions with Colorado consumers. Over the past few months,the DOI has received a number of complaints from consumers regarding these companies. The DOI is concerned that they may be using misleading marketing practices, blurring the lines between health insurance that complies with the requirements of the Affordable Care Act (ACA) and non-compliant insurance (like what is offered by health care sharing ministries, such as these companies). Because of this, the companies may be putting consumers at risk and violating Colorado insurance law.

The orders require the companies to immediately cease and desist conducting insurance business in Colorado. However, the DOI has included provisions in the orders to protect Colorado consumers who are members of the health care sharing programs offered by these entities, requiring that the companies honor and maintain any existing contracts, plans or policies with Colorado businesses and consumers until the Commissioner of Insurance releases them from this obligation. 

Washington State and Texas have also issued cease and desist orders against Trinity and Aliera. 

If you have had problems with either of these companies, please contact the DOI to let us know and to find out what recourse you may have. If you're unsure of what kind of coverage you currently have, whether it is traditional health insurance, a health care sharing ministry, or something else, contact the DOI to find out what questions to ask. Contact the DOI at 303-894-7490 / 800-930-3745 (outside of the Denver metro area) / or email DORA_insurance@state.co.us.

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The Colorado Division of Insurance (DOI), part of the Department of Regulatory Agencies (DORA) regulates the insurance industry and assists consumers and other stakeholders with insurance issues.  Visit dora.colorado.gov/insurance for more information or call 303-894-7499 / toll free 800-930-3745

DORA is dedicated to preserving the integrity of the marketplace and is committed to promoting a fair and competitive business environment in Colorado. Consumer protection is our mission. Visit dora.colorado.gov for more information or call 303-894-7855 / toll free 1-800-886-7675


Media Contact:
Vincent Plymell
Division of Insurance
vincent.plymell@state.co.us 
p: 303-894-2261 | c: 303-910-9614