HB21-1232 (Roberts & Jodeh/Donovan) Standardized Health Benefit Plan Colorado Option

Originally Posted: March 26, 2021
Last Updated: June 11, 2021


This bill would require the Commissioner of Insurance to develop a standardized health insurance plan for individual and small group markets that: offers coverage at bronze, silver and gold levels; is offered through Colorado’s health insurance exchange; offers a standardized set of benefits developed through a stakeholder process; provides first-dollar, predictable coverage for certain high value services; and improves coverage for perinatal health services. Health insurance carriers would be encouraged to offer this plan in the individual and small group markets beginning in 2023 and lower the premium costs for this plan by 15 percent over three years and limit the increase in premiums thereafter. If health insurance carriers do not meet premium cost goals, the state will use a rate setting process to ensure that premium reduction targets and network adequacy targets are met. The state would apply for a federal waiver to capture savings due to premium reductions and those savings would be directed to the Health Insurance Affordability Enterprise created under Senate Bill 20-215.  


The Children’s Campaign supports this bill. This bill specifically focuses the health care system in Colorado on better meeting the needs of Coloradans who have historically and systemically faced barriers to health, including people of color, immigrants and Coloradans with low incomes. Even before the pandemic, one in five Coloradans struggled to afford their health care costs or went without care altogether. One in six Colorado counties still have only one health insurance carrier offering individual insurance plans. We need more affordable health insurance options to improve health equity and ensure Black/African American, Native American, and Latinx Coloradans have access to the health insurance and health care they need when they need it.  By implementing a standardized health plan, it will reduce premiums and out-of-pocket cost-sharing expenses, make it easier for consumers to compare health plans in an apples-to-apples way that benefits consumers, and improve coverage for perinatal, behavioral and primary health services. 73,000 Colorado kids went into the public health and economic crises caused by COVID-19 without the financial security and access to health services that health insurance providesThis bill will expand access to quality, affordable health insurance coverage and is critical to support the health and wellbeing of Colorado kids and families. 

Current Status

House concurred with Senate Amendments. The bill repassed the House on a vote of 41-23 and now heads to the Governor for signature. 

Previous Statuses

May 28, 2021

Passed the House and Senate, returning to the House in order to concur with amendments made in the Senate.  

May 21, 2021

Passed out of the Senate Health and Human Services Committee on a party-line vote. Our Vice President of Health Initiatives, Erin Miller, testified in support. The bill now heads to the Senate Appropriations Committee.  

April 30, 2021

Passed out of the House Health & Insurance Committee on a vote of 8-5 and now heads to the House Appropriations CommitteeErin Miller, Vice President of Health Initiatives testified in support of the bill.   

April 2, 2021

Introduced in the House and assigned to the House Health & Insurance Committee, where it is scheduled to be heard on WednesdayApr. 7 at 1:30. You can listen online here. 

March 26, 2021

Introduced in the House and assigned to the House Health & Insurance Committee, where it will likely be heard next week. This bill needs your help! Please take action to support this legislation by contacting your legislator via email or social media. You can check this page for updatesYou can listen online here.