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Twelve health insurance carriers submitted their 2018 Affordable Care Act (ACA) plans and premiums for the individual and small group markets to the Colorado Division of Insurance (DOI), part of the Department of Regulatory Agencies (DORA), on Monday, June 19, 2017 for review. The Division will begin an initial review of the proposed plans and premiums and will make them available for viewing on July 14.

“Based on the plans filed, there is at least one insurance carrier planning to offer plans in every county in the state,” noted Colorado Insurance Commissioner Marguerite Salazar. “That is great news for Colorado. However, it remains pivotal that the Trump administration commits to funding the cost-sharing reduction (CSR) subsidy payments in 2018. As I said in a letter to the Colorado Congressional delegation in April of this year: ‘Using the CSRs as a bargaining chip is tantamount to gambling with Coloradans access to healthcare.’”

The following carriers filed plans in both the individual and small group markets: Anthem (both HMO Colorado and Rocky Mountain Hospital and Medical), Bright Health, Cigna, Colorado Choice, Denver Health Medical Plan, Freedom Life, Kaiser Permanente, and Rocky Mountain HMO.

The following additional carriers filed plans in the small group market: Aetna, Humana, Rocky Mountain Health Care Options, and UnitedHealthcare. The Review Process of Submitted Plans By July 14, DOI staff will complete an initial review of the information to make sure the filings are complete and in the correct format.

As noted in the Division’s April 26 release, it also provides time for the insurance companies to adjust their plans and premiums depending on the information the insurers receive from the Federal government on June 30 regarding the Risk Adjustment program of the Affordable Care Act (ACA).Throughout the summer, DOI staff will examine the plans to ensure they meet ACA requirements and that the premiums satisfy statutory and regulatory requirements. As part of that process, public comment will be taken until August 4, 2017.

In late September/early October, the Division will release the final list of approved plans and premiums for 2018, along with analysis and summary information.

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