Division of Insurance Changes in Response to COVID-19

This memorandum provides an overview of temporary changes the Colorado Division of Insurance (DOI) implemented in response to the spread of COVID-19 and associated declaration of a disaster emergency by Governor Polis on March 11, 2020.  The DOI in the Department of Regulatory Agencies regulates the insurance industry in Colorado, including insurance carriers selling life, health, title, and property and casualty insurance, and insurance agents.  The DOI does not regulate self-funded health plans, government health plans, or health plans issued in other states.  This memorandum details the emergency regulations and bulletins issued by the DOI for insurance carriers in Colorado.  Emergency regulations are regulations that have been adopted by the Insurance Commissioner without going through the public rulemaking process.  Bulletins are the DOI’s interpretation of existing insurance law or general statements of its policy.