As part of its role in implementing the Affordable Care Act (ACA), the Colorado Division of Insurance (DOI) reviews individual and small group health insurance plans to be sold in the Colorado market. DOI looks at proposed premiums and any changes to the plans, to determine what is and is not justified. DOI also ensures that the plans comply with the Affordable Care Act (ACA) and Colorado health insurance laws and regulations.
DOI helps ensure a competitive marketplace for health insurance companies in Colorado, which provides consumers with a wide variety of choices. For more than 40 years, DOI has reviewed rate and benefit changes requested by health insurance companies.