Colorado 2023 Regular Session

Colorado Senate Bill SB179 Compare Versions

Version 1 (Old)

Version 2 (New)

Old	New		Differences
	1	+	First Regular Session
	2	+	Seventy-fourth General Assembly
	3	+	STATE OF COLORADO
	4	+	REREVISED
	5	+	This Version Includes All Amendments
	6	+	Adopted in the Second House
	7	+	LLS NO. 23-0471.01 Kristen Forrestal x4217
1	8		SENATE BILL 23-179
2		-	BY SENATOR(S) Moreno and Will, Buckner, Coleman, Cutter, Exum,
3		-	Gonzales, Hansen, Hinrichsen, Jaquez Lewis, Marchman, Mullica, Priola;
4		-	also REPRESENTATIVE(S) Hartsook and Daugherty, Amabile, Bird,
5		-	Boesenecker, Brown, deGruy Kennedy, Dickson, Gonzales-Gutierrez,
6		-	Hamrick, Jodeh, Lindsay, Marshall, Michaelson Jenet, Ricks, Weissman,
7		-	Willford, Young, McCluskie.
	9	+	Senate Committees House Committees
	10	+	Health & Human Services Public & Behavioral Health & Human Services
	11	+	Appropriations Appropriations
	12	+	A BILL FOR AN ACT
8	13		C
9		-	ONCERNING INSURANCE CARRIER REQUIREMENTS FOR HEALTH COVERAGE
10		-	PLANS
11		-	, AND, IN CONNECTION THEREWITH , MAKING AN
12		-	APPROPRIATION
13		-	.
	14	+	ONCERNING INSURANCE CARRIER REQUIREMENTS FOR HEALTH101
	15	+	COVERAGE PLANS, AND, IN CONNECTION THEREWITH , MAKING
	16	+	102
	17	+	AN APPROPRIATION.103
	18	+	Bill Summary
	19	+	(Note: This summary applies to this bill as introduced and does
	20	+	not reflect any amendments that may be subsequently adopted. If this bill
	21	+	passes third reading in the house of introduction, a bill summary that
	22	+	applies to the reengrossed version of this bill will be available at
	23	+	http://leg.colorado.gov
	24	+	.)
	25	+	The bill requires a health insurance carrier (carrier) that issues,
	26	+	sells, renews, or offers a dental coverage plan to file, beginning in 2024,
	27	+	dental loss ratio forms with the division of insurance (division) for the
	28	+	preceding calendar year in which dental coverage was provided.
	29	+	The division is required to post dental loss ratio information on its
	30	+	HOUSE
	31	+	3rd Reading Unamended
	32	+	May 6, 2023
	33	+	HOUSE
	34	+	2nd Reading Unamended
	35	+	May 3, 2023
	36	+	SENATE
	37	+	3rd Reading Unamended
	38	+	April 14, 2023
	39	+	SENATE
	40	+	Amended 2nd Reading
	41	+	April 13, 2023
	42	+	SENATE SPONSORSHIP
	43	+	Moreno and Will, Buckner, Coleman, Cutter, Exum, Gonzales, Hansen, Hinrichsen,
	44	+	Jaquez Lewis, Marchman, Mullica, Priola
	45	+	HOUSE SPONSORSHIP
	46	+	Hartsook and Daugherty, Amabile, Bird, Boesenecker, Brown, deGruy Kennedy,
	47	+	Dickson, Gonzales-Gutierrez, Hamrick, Jodeh, Lindsay, Marshall, McCluskie, Michaelson
	48	+	Jenet, Ricks, Weissman, Willford, Young
	49	+	Shading denotes HOUSE amendment. Double underlining denotes SENATE amendment.
	50	+	Capital letters or bold & italic numbers indicate new material to be added to existing law.
	51	+	Dashes through the words or numbers indicate deletions from existing law. website or submit the information to the administrator of the all-payer
	52	+	health claims database (APCD). If the information is submitted to the
	53	+	APCD administrator, the administrator is directed to make the
	54	+	information available to the public.
	55	+	Once the division has collected dental loss ratio information for 2
	56	+	years, the commissioner of insurance (commissioner) shall promulgate
	57	+	rules that create a process to identify any carriers that significantly deviate
	58	+	from average dental loss ratios and to investigate the causes of the
	59	+	deviation.
	60	+	Current law requires the commissioner to adopt rules requiring
	61	+	every carrier providing a health benefit plan to issue to covered persons
	62	+	to whom an identification card is issued a standardized, printed card
	63	+	containing plan information. The bill amends this requirement to
	64	+	encompass health coverage plans.
	65	+	The bill also requires prepaid dental plans to file rates with the
	66	+	division.
	67	+	Be it enacted by the General Assembly of the State of Colorado:1
	68	+	SECTION 1. Legislative declaration. (1) The general assembly2
	69	+	finds and declares that:3
	70	+	(a) Access to quality dental care is an essential component of4
	71	+	every Coloradan's health and well-being, as untreated dental issues5
	72	+	contribute to a number of serious medical conditions, including chronic6
	73	+	obstructive pulmonary disease, heart disease, stroke, and preterm labor or7
	74	+	premature birth, all of which drastically increase costs to individuals and8
	75	+	to the state;9
	76	+	(b) Meaningful insurance coverage is one of the most important10
	77	+	factors behind patients utilizing dental care services;11
14	78
15		-	Be it enacted by the General Assembly of the State of Colorado:
16		-	SECTION 1. Legislative declaration. (1) The general assembly
17		-	finds and declares that:
18		-	(a) Access to quality dental care is an essential component of every
19		-	Coloradan's health and well-being, as untreated dental issues contribute to
20		-	a number of serious medical conditions, including chronic obstructive
21		-	pulmonary disease, heart disease, stroke, and preterm labor or premature
22		-	birth, all of which drastically increase costs to individuals and to the state;
23		-	NOTE: This bill has been prepared for the signatures of the appropriate legislative
24		-	officers and the Governor. To determine whether the Governor has signed the bill
25		-	or taken other action on it, please consult the legislative status sheet, the legislative
26		-	history, or the Session Laws.
27		-	________
28		-	Capital letters or bold & italic numbers indicate new material added to existing law; dashes
29		-	through words or numbers indicate deletions from existing law and such material is not part of
30		-	the act. (b) Meaningful insurance coverage is one of the most important
31		-	factors behind patients utilizing dental care services;
32		-	(c) Greater transparency on how premium dollars are spent by health
33		-	insurance carriers provides accountability for insurance plans and ensures
34		-	that patients get the most value for premiums paid;
35		-	(d) Patients should have visibility regarding how many of their
36		-	insurance premium dollars pay for health-care and dental services as
37		-	opposed to administrative, marketing, and operational costs;
38		-	(e) Medical loss ratio standards have been in place for health
39		-	insurance for more than 10 years;
40		-	(f) Dental plans in this state are not required to have equivalent
41		-	transparency and disclosure standards, known as dental loss ratios, in place;
42		-	(g) When patients and employers are comparing dental plans for
43		-	purchase, they should have access to information that shows how much
44		-	coverage is actually provided relative to what they pay in premiums for the
45		-	coverage;
46		-	(h) Bringing transparency to how much care the premiums are
47		-	actually paying for is an important step to drive efficiencies in care and
48		-	ensure value in patients' dental benefits; and
49		-	(i) As Colorado has long been a leader in policies that increase
50		-	transparency, value, accountability, and access to health care for consumers,
51		-	Colorado should continue to lead and provide protections for consumers in
52		-	accessing dental care coverage.
53		-	(2) In order to ensure dental care is accessible for all Coloradans, it
54		-	is critical that Colorado establish transparency and accountability for dental
55		-	plans.
56		-	SECTION 2. In Colorado Revised Statutes, 10-16-107, amend
57		-	(1)(a), (1)(f), (2)(a)(I) introductory portion, and (2)(b) as follows:
58		-	10-16-107. Rate filing regulation - benefits ratio - rules. (1) (a) A
59		-	carrier subject to part 2, 3, or
60		-	4, OR 5 of this article ARTICLE 16 shall not
61		-	PAGE 2-SENATE BILL 23-179 establish rates for any sickness, accident, or health insurance policy,
62		-	contract, certificate, or other evidence of coverage
63		-	OR DENTAL COVERAGE
64		-	PLAN
65		-	, AS DEFINED IN SECTION 10-16-165 (1)(a), issued or delivered to any
66		-	policyholder, enrollee, subscriber, or member in Colorado that are
67		-	excessive, inadequate, or unfairly discriminatory. To assure compliance
68		-	with the requirements of this section that rates are not excessive in relation
69		-	to benefits, the commissioner shall promulgate rules to require rate filings
70		-	and, as part of the rules, may require the submission of adequate
71		-	documentation and supporting information, including actuarial opinions or
72		-	certifications and set expected benefits ratios. The carrier shall submit
73		-	expected rate increases to the commissioner at least sixty days prior to the
74		-	proposed implementation of the rates. If the commissioner does not approve
75		-	or disapprove the rate filings within a sixty-day period, the carrier may
76		-	implement and reasonably rely upon the rates on the condition that the
77		-	commissioner may require correction of any deficiencies in the rate filing
78		-	upon later review if the rate the carrier charged is excessive, inadequate, or
79		-	unfairly discriminatory. A prospective rate adjustment is the sole remedy for
80		-	rate deficiencies pursuant to this subsection (1). If the commissioner finds
81		-	deficiencies in the rate filing after a sixty-day period, the commissioner
82		-	shall provide notice to the carrier, and the carrier shall correct the rate on a
83		-	prospective basis.
84		-	(f) Carriers shall file rate filings for insurance regulated under parts
85		-	1 to 4
86		-	5 of this article ARTICLE 16 electronically in a format made available
87		-	by the division, unless exempted by rule for an emergency situation as
88		-	determined by the commissioner. The division shall post on its website a
89		-	rate filing summary for insurance regulated under parts 1 to 4
90		-	5 of this
91		-	article ARTICLE 16 in order to provide notice to the public.
92		-	(2) (a) (I) Rates for an individual health coverage plan issued or
93		-	delivered to any policyholder, enrollee, subscriber, or member in Colorado
94		-	by an insurer subject to part 2 of this article 16 or an entity subject to part
95		-	3, or
96		-	4, OR 5 of this article 16 shall not be excessive, inadequate, or unfairly
97		-	discriminatory to assure compliance with the requirements of this section
98		-	that rates are not excessive in relation to benefits. Rates are excessive if
99		-	they are likely to produce a long run profit that is unreasonably high for the
100		-	insurance provided or if expenses are unreasonably high in relation to
101		-	services rendered. In determining if rates are excessive, the commissioner
102		-	may consider:
103		-	PAGE 3-SENATE BILL 23-179 (b) Notwithstanding any other provision of this article ARTICLE 16,
104		-	a carrier subject to part 2, 3, or 4, OR 5 of this article ARTICLE 16 shall not
105		-	vary the premium rate for an individual health coverage plan due to the
106		-	gender of the individual policyholder, enrollee, subscriber, or member. Any
107		-	premium rate based on the gender of the individual policyholder, enrollee,
108		-	subscriber, or member is unfairly discriminatory and is not allowed.
109		-	SECTION 3. In Colorado Revised Statutes, add 10-16-165 as
110		-	follows:
111		-	10-16-165. Dental coverage plans - dental loss ratio - rules -
	79	+	12
	80	+	(c) Greater transparency on how premium dollars are spent by13
	81	+	health insurance carriers provides accountability for insurance plans and14
	82	+	ensures that patients get the most value for premiums paid;15
	83	+	(d) Patients should have visibility regarding how many of their16
	84	+	179-2- insurance premium dollars pay for health-care and dental services as1
	85	+	opposed to administrative, marketing, and operational costs;2
	86	+	(e) Medical loss ratio standards have been in place for health3
	87	+	insurance for more than 10 years;4
	88	+	(f) Dental plans in this state are not required to have equivalent5
	89	+	transparency and disclosure standards, known as dental loss ratios, in6
	90	+	place;7
	91	+	8
	92	+	(g) When patients and employers are comparing dental plans for9
	93	+	purchase, they should have access to information that shows how much10
	94	+	coverage is actually provided relative to what they pay in premiums for11
	95	+	the coverage;12
	96	+	(h) Bringing transparency to how much care the premiums are13
	97	+	actually paying for is an important step to drive efficiencies in care and14
	98	+	ensure value in patients' dental benefits; and15
	99	+	(i) As Colorado has long been a leader in policies that increase16
	100	+	transparency, value, accountability, and access to health care for17
	101	+	consumers, Colorado should continue to lead and provide protections for18
	102	+	consumers in accessing dental care coverage.19
	103	+	(2) In order to ensure dental care is accessible for all Coloradans,20
	104	+	it is critical that Colorado establish transparency and accountability for21
	105	+	dental plans.22
	106	+	SECTION 2. In Colorado Revised Statutes, 10-16-107, amend23
	107	+	(1)(a), (1)(f), (2)(a)(I) introductory portion, and (2)(b), as follows:24
	108	+	10-16-107. Rate filing regulation - benefits ratio - rules.25
	109	+	(1) (a) A carrier subject to part 2, 3, or 4, OR 5 of this article ARTICLE 1626
	110	+	shall not establish rates for any sickness, accident, or health insurance27
	111	+	179
	112	+	-3- policy, contract, certificate, or other evidence of coverage OR DENTAL1
	113	+	COVERAGE PLAN, AS DEFINED IN SECTION 10-16-158 (1)(a), issued or2
	114	+	delivered to any policyholder, enrollee, subscriber, or member in3
	115	+	Colorado that are excessive, inadequate, or unfairly discriminatory. To4
	116	+	assure compliance with the requirements of this section that rates are not5
	117	+	excessive in relation to benefits, the commissioner shall promulgate rules6
	118	+	to require rate filings and, as part of the rules, may require the submission7
	119	+	of adequate documentation and supporting information, including8
	120	+	actuarial opinions or certifications and set expected benefits ratios. The9
	121	+	carrier shall submit expected rate increases to the commissioner at least10
	122	+	sixty days prior to the proposed implementation of the rates. If the11
	123	+	commissioner does not approve or disapprove the rate filings within a12
	124	+	sixty-day period, the carrier may implement and reasonably rely upon the13
	125	+	rates on the condition that the commissioner may require correction of14
	126	+	any deficiencies in the rate filing upon later review if the rate the carrier15
	127	+	charged is excessive, inadequate, or unfairly discriminatory. A16
	128	+	prospective rate adjustment is the sole remedy for rate deficiencies17
	129	+	pursuant to this subsection (1). If the commissioner finds deficiencies in18
	130	+	the rate filing after a sixty-day period, the commissioner shall provide19
	131	+	notice to the carrier, and the carrier shall correct the rate on a prospective20
	132	+	basis.21
	133	+	(f) Carriers shall file rate filings for insurance regulated under22
	134	+	parts 1 to 4 5 of this article ARTICLE 16 electronically in a format made23
	135	+	available by the division, unless exempted by rule for an emergency24
	136	+	situation as determined by the commissioner. The division shall post on25
	137	+	its website a rate filing summary for insurance regulated under parts 1 to26
	138	+	4 5 of this article ARTICLE 16 in order to provide notice to the public.27
	139	+	179
	140	+	-4- (2) (a) (I) Rates for an individual health coverage plan issued or1
	141	+	delivered to any policyholder, enrollee, subscriber, or member in2
	142	+	Colorado by an insurer subject to part 2 of this article 16 or an entity3
	143	+	subject to part 3, or 4, OR 5 of this article 16 shall not be excessive,4
	144	+	inadequate, or unfairly discriminatory to assure compliance with the5
	145	+	requirements of this section that rates are not excessive in relation to6
	146	+	benefits. Rates are excessive if they are likely to produce a long run profit7
	147	+	that is unreasonably high for the insurance provided or if expenses are8
	148	+	unreasonably high in relation to services rendered. In determining if rates9
	149	+	are excessive, the commissioner may consider:10
	150	+	(b) Notwithstanding any other provision of this article ARTICLE 16,11
	151	+	a carrier subject to part 2, 3, or 4, OR 5 of this article ARTICLE 16 shall not12
	152	+	vary the premium rate for an individual health coverage plan due to the13
	153	+	gender of the individual policyholder, enrollee, subscriber, or member.14
	154	+	Any premium rate based on the gender of the individual policyholder,15
	155	+	enrollee, subscriber, or member is unfairly discriminatory and is not16
	156	+	allowed.17
	157	+	SECTION 3. In Colorado Revised Statutes, add 10-16-158 as18
	158	+	follows:19
	159	+	10-16-158. Dental coverage plans - dental loss ratio - rules -20
112	160		definitions. (1) A
113		-	S USED IN THIS SECTION, UNLESS THE CONTEXT
114		-	OTHERWISE REQUIRES
115		-	:
	161	+	S USED IN THIS SECTION, UNLESS THE CONTEXT21
	162	+	OTHERWISE REQUIRES:22
116	163		(a) "C
117	164		OMMUNITY BENEFIT EXPENDITURE " MEANS AN EXPENDITURE
118		-	FOR AN ACTIVITY OR PROGRAM
119		-	, OR TO AN ORGANIZATION, WHICH SEEKS TO
120		-	ACHIEVE THE OBJECTIVES OF IMPROVING ACCESS TO DENTAL SERVICES AND
121		-	ENHANCING DENTAL PUBLIC HEALTH
122		-	. THIS INCLUDES AN ACTIVITY THAT:
123		-	(I) I
124		-	S AVAILABLE BROADLY TO THE PUBLIC AND SERVES LOW -INCOME
125		-	CONSUMERS
126		-	;
	165	+	23
	166	+	FOR AN ACTIVITY OR PROGRAM , OR TO AN ORGANIZATION, WHICH SEEKS24
	167	+	TO ACHIEVE THE OBJECTIVES OF IMPROVING ACCESS TO DENTAL SERVICES25
	168	+	AND ENHANCING DENTAL PUBLIC HEALTH . THIS INCLUDES AN ACTIVITY26
	169	+	THAT:27
	170	+	179
	171	+	-5- (I) IS AVAILABLE BROADLY TO THE PUBLIC AND SERVES1
	172	+	LOW-INCOME CONSUMERS;2
127	173		(II) R
128		-	EDUCES GEOGRAPHIC, FINANCIAL, OR CULTURAL BARRIERS TO
129		-	ACCESSING DENTAL SERVICES
130		-	, AND IF THE ACTIVITY CEASED TO EXIST
131		-	WOULD RESULT IN ACCESS PROBLEMS
132		-	;
	174	+	EDUCES GEOGRAPHIC, FINANCIAL, OR CULTURAL BARRIERS
	175	+	3
	176	+	TO ACCESSING DENTAL SERVICES, AND IF THE ACTIVITY CEASED TO EXIST4
	177	+	WOULD RESULT IN ACCESS PROBLEMS ;5
133	178		(III) A
134	179		DDRESSES ORAL HEALTH WORKFORCE SHORTAGES , SUCH AS
135		-	ADVANCING EDUCATION AND TRAINING OF ORAL HEALTH PROFESSIONALS
136		-	;
137		-	OR
138		-	(IV) LEVERAGES OR ENHANCES DENTAL PUBLIC HEALTH ACTIVITIES .
139		-	(b) "D
140		-	ENTAL COVERAGE PLAN" MEANS A HEALTH COVERAGE PLAN
141		-	THAT INCLUDES COVERAGE FOR THE COSTS OF DENTAL CARE SERVICES
142		-	.
	180	+	6
	181	+	ADVANCING EDUCATION AND TRAINING OF ORAL HEALTH PROFESSI ONALS ;7
	182	+	OR8
	183	+	(IV) L
	184	+	EVERAGES OR ENHANCES DENTAL PUBLIC HEALTH
	185	+	9
	186	+	ACTIVITIES.10
	187	+	(b) "DENTAL COVERAGE PLAN" MEANS A HEALTH COVERAGE PLAN11
	188	+	THAT INCLUDES COVERAGE FOR THE COSTS OF DENTAL CARE SERVICES .12
143	189		"D
144		-	ENTAL COVERAGE PLAN" INCLUDES A PLAN ISSUED BY A PREPAID DENTAL
145		-	PLAN ORGANIZATION THAT HAS A CERTIFICATE OF AUTHORITY TO OPERATE
146		-	PURSUANT TO PART
147		-	5 OF THIS ARTICLE 16.
148		-	(c) (I) "D
149		-	ENTAL LOSS RATIO" MEANS THE PERCENTAGE OF PREMIUM
150		-	DOLLARS COLLECTED EACH YEAR FOR A DENTAL COVERAGE PLAN THAT THE
151		-	PAGE 4-SENATE BILL 23-179 DENTAL COVERAGE PLAN INCURS ON DENTAL SERVICES PROVIDED TO AN
152		-	ENROLLEE
153		-	, SEPARATE FROM OVERHEAD AND ADMINISTRATIVE COSTS .
	190	+	ENTAL COVERAGE PLAN " INCLUDES A PLAN ISSUED BY A PREPAID13
	191	+	DENTAL PLAN ORGANIZATION THAT HAS A CERTIFICATE OF AUTHORITY TO14
	192	+	OPERATE PURSUANT TO PART 5 OF THIS ARTICLE 16.15
	193	+	(c)
	194	+	(I) "DENTAL LOSS RATIO" MEANS THE PERCENTAGE OF16
	195	+	PREMIUM DOLLARS COLLECTED EACH YEAR FOR A DENTAL COVERAGE17
	196	+	PLAN THAT THE DENTAL COVERAGE PLAN INCURS ON DENTAL SERVICES18
	197	+	PROVIDED TO AN ENROLLEE , SEPARATE FROM OVERHEAD AND19
	198	+	ADMINISTRATIVE COSTS.20
154	199		(II) T
155		-	HE DENTAL LOSS RATIO IS CALCULATED BY DIVIDING THE
156		-	NUMERATOR BY THE DENOMINATOR
157		-	, WHERE:
	200	+	HE DENTAL LOSS RATIO IS CALCULATED BY DIVIDING THE21
	201	+	NUMERATOR BY THE DENOMINATOR , WHERE:22
158	202		(A) T
159		-	HE NUMERATOR IS THE SUM OF THE AMOUNT INCURRED FOR
160		-	CLINICAL DENTAL SERVICES PROVIDED TO ENROLLEES
161		-	, THE AMOUNT
162		-	INCURRED ON ACTIVITIES THAT IMPROVE DENTAL CARE QUALITY
163		-	, AND THE
164		-	AMOUNT OF CLAIMS PAYMENTS IDENTIFIED THROUGH FRAUD REDUCTION
165		-	EFFORTS
166		-	; AND
167		-	(B) THE DENOMINATOR IS THE TOTAL AMOUNT OF PREMIUM
168		-	REVENUE
169		-	, EXCLUDING FEDERAL AND STATE TAXES , LICENSING AND
170		-	REGULATORY FEES PAID
171		-	, NONPROFIT COMMUNITY BENEFIT EXPENDITURES ,
172		-	AND ANY OTHER PAYMENTS REQUIRED BY FEDERAL LAW .
	203	+	HE NUMERATOR IS THE SUM OF THE AMOUNT INCURRED
	204	+	FOR23
	205	+	CLINICAL DENTAL SERVICES PROVIDED TO ENROLLEES , THE AMOUNT24
	206	+	INCURRED ON ACTIVITIES THAT IMPROVE DENTAL CARE QUALITY , AND THE25
	207	+	AMOUNT OF CLAIMS PAYMENTS IDENTIFIED THROUGH FRAUD REDUCTION26
	208	+	EFFORTS; AND27
	209	+	179
	210	+	-6- (B) THE DENOMINATOR IS THE TOTAL AMOUNT OF PREMIUM1
	211	+	REVENUE, EXCLUDING FEDERAL AND STATE TAXES , LICENSING AND2
	212	+	REGULATORY FEES PAID, NONPROFIT COMMUNITY BENEFIT EXPENDITURES ,3
	213	+	AND ANY OTHER PAYMENTS REQUIRED BY FEDERAL LAW .4
173	214		(2) (a) T
174		-	HE COMMISSIONER SHALL DEFINE BY RULE :
	215	+	HE COMMISSIONER SHALL DEFINE BY RULE :5
175	216		(I) E
176		-	XPENDITURES FOR CLINICAL DENTAL SERVICES ;
	217	+	XPENDITURES FOR CLINICAL DENTAL SERVICES ;6
177	218		(II) A
178	219		CTIVITIES THAT IMPROVE DENTAL CARE QUALITY ;
	220	+	7
179	221		(III) O
180	222		VERHEAD AND ADMINISTRATIVE COST EXPENDITURES ; AND
181		-	(IV) NONPROFIT COMMUNITY BENEFIT EXPENDITURES THAT ARE
182		-	ALIGNED WITH EXCLUSION PARAMETERS AND LIMITS OUTLINED IN
183		-	45 CFR
	223	+	8
	224	+	(IV) N
	225	+	ONPROFIT COMMUNITY BENEFIT EXPENDITURES THAT ARE
	226	+	9
	227	+	ALIGNED WITH EXCLUSION PARAMETERS AND LIMITS OUTLINED IN 45 CFR10
184	228		158.162;
185	229		EXCEPT THAT THE COMMISSIONER SHALL ENSURE THAT ONLY
186		-	EXPENDITURES THAT IMPROVE ACCESS TO DENTAL SERVICES OR ENHANCE
187		-	DENTAL HEALTH
188		-	, AND NO OVERHEAD OR ADMINISTRATIVE COSTS , ARE
189		-	REPORTED UNDER THIS SECTION
190		-	.
	230	+	11
	231	+	EXPENDITURES THAT IMPROVE ACCESS TO DENTAL SERVICES OR ENHANCE12
	232	+	DENTAL HEALTH, AND NO OVERHEAD OR ADMINISTRATIVE COSTS , ARE13
	233	+	REPORTED UNDER THIS SECTION.14
191	234		(b) T
192		-	HE DEFINITIONS PROMULGATED BY RULE PURSUANT TO THIS
193		-	SECTION MUST BE CONSISTENT WITH SIMILAR DEFINITIONS THAT ARE USED
194		-	FOR THE REPORTING OF MEDICAL LOSS RATIOS BY CARRIERS OFFERING
195		-	HEALTH BENEFIT PLANS IN THE STATE
196		-	. OVERHEAD AND ADMINISTRATIVE
197		-	COSTS MUST NOT BE INCLUDED IN THE NUMERATOR AS DESCRIBED IN
198		-	SUBSECTION
199		-	(1)(b)(II)(A) OF THIS SECTION.
	235	+	HE DEFINITIONS PROMULGATED BY RULE PURSUANT TO THIS15
	236	+	SECTION MUST BE CONSISTENT WITH SIMILAR DEFINITIONS THAT ARE USED16
	237	+	FOR THE REPORTING OF MEDICAL LOSS RATIOS BY CARRIERS OFFERING17
	238	+	HEALTH BENEFIT PLANS IN THE STATE. OVERHEAD AND ADMINISTRATIVE18
	239	+	COSTS MUST NOT BE INCLUDED IN THE NUMERATOR AS DESCRIBED IN19
	240	+	SUBSECTION (1)(b)(II)(A) OF THIS SECTION.20
200	241		(3) (a) O
201		-	N OR BEFORE JULY 31, 2024, AND ON OR BEFORE JULY 31
202		-	PAGE 5-SENATE BILL 23-179 EACH YEAR THEREAFTER , A CARRIER THAT ISSUES, SELLS, RENEWS, OR
203		-	OFFERS A DENTAL COVERAGE PLAN SHALL FILE A DENTAL LOSS RATIO FORM
204		-	ELECTRONICALLY WITH THE DIVISION FOR THE PRECEDING CALENDAR YEAR
205		-	IN WHICH DENTAL COVERAGE WAS PROVIDED BY THE DENTAL COVERAGE
206		-	PLAN
207		-	. THE COMMISSIONER MAY CREATE A NEW REPORTING FORM OR USE AN
208		-	EXISTING REPORTING FORM TO FACILITATE DATA COLLECTION
209		-	. THE
210		-	COMMISSIONER SHALL ENSURE THAT FIELDS ARE REPORTED CONSISTENTLY
211		-	BY CARRIERS
212		-	. THE FILING MUST:
	242	+	N OR BEFORE JULY 31, 2024, AND ON OR BEFORE JULY 3121
	243	+	EACH YEAR THEREAFTER , A CARRIER THAT ISSUES, SELLS, RENEWS, OR22
	244	+	OFFERS A DENTAL COVERAGE PLAN SHALL FILE A DENTAL LOSS RATIO23
	245	+	FORM ELECTRONICALLY WITH THE DIVISION FOR THE PRECEDING24
	246	+	CALENDAR YEAR IN WHICH DENTAL COVERAGE WAS PROVIDED BY THE25
	247	+	DENTAL COVERAGE PLAN . THE COMMISSIONER MAY CREATE A NEW26
	248	+	REPORTING FORM OR USE AN EXISTING REPORTING FORM TO FACILITATE27
	249	+	179
	250	+	-7- DATA COLLECTION. THE COMMISSIONER SHALL ENSURE THAT FIELDS ARE1
	251	+	REPORTED CONSISTENTLY BY CARRIERS . THE FILING MUST:2
213	252		(I) R
214		-	EPORT THE CALCULATED DENTAL LOSS RATIO ACCORDING TO
215		-	THE FORMULA IN SUBSECTION
216		-	(1)(b)(II) OF THIS SECTION;
	253	+	EPORT THE CALCULATED DENTAL LOSS RATIO ACCORDING TO3
	254	+	THE FORMULA IN SUBSECTION (1)(b)(II) OF THIS SECTION;4
217	255		(II) S
218		-	EPARATELY REPORT EACH DATA ELEMENT DESCRIBED IN
219		-	SUBSECTION
220		-	(1)(b) OF THIS SECTION;
	256	+	EPARATELY REPORT EACH DATA ELEMENT DESCRIBED IN5
	257	+	SUBSECTION (1)(b) OF THIS SECTION;6
221	258		(III) R
222		-	EPORT ADDITIONAL DATA THAT INCLUDES THE NUMBER OF
223		-	ENROLLEES
224		-	, THE PLAN COST-SHARING AND DEDUCTIBLE AM OUNTS , THE
225		-	ANNUAL MAXIMUM COVERAGE LIMIT
226		-	, AND THE NUMBER OF ENROLLEES WHO
227		-	MEET OR EXCEED THE ANNUAL COVERAGE LIMIT
228		-	;
	259	+	EPORT ADDITIONAL DATA THAT INCLUDES THE NUMBER OF7
	260	+	ENROLLEES, THE PLAN COST-SHARING AND
	261	+	DEDUCTIBLE AMOUNTS, THE8
	262	+	ANNUAL MAXIMUM COVERAGE LIMIT , AND THE NUMBER OF ENROLLEES9
	263	+	WHO MEET OR EXCEED THE ANNUAL COVERAGE LIMIT ;10
229	264		(IV) R
230		-	EPORT DATA BY MARKET SEGMENT AND PRODUCT TYPE , AS
231		-	DEFINED BY RULE OF THE COMMISSIONER
232		-	; AND
233		-	(V) BE IN A FORM AND MANNER AS PRESCRIBED BY RULE OF THE
234		-	COMMISSIONER
235		-	.
	265	+	EPORT DATA BY MARKET SEGMENT AND PRODUCT TYPE , AS11
	266	+	DEFINED BY RULE OF THE COMMISSIONER ; AND12
	267	+	(V) B
	268	+	E IN A FORM AND MANNER AS PRESCRIBED BY RULE OF THE13
	269	+	COMMISSIONER.14
236	270		(b) F
237		-	OR THE REPORT TO BE SUBMITTED ON OR BEFORE JULY 31, 2024,
238		-	A CARRIER SHALL ALSO SUBMIT THE INFORMATION REQUIRED IN SUBSECTION
239		-	(3)(a) OF THIS SECTION FOR THE PLAN YEARS 2021 THROUGH 2024.
	271	+	OR THE REPORT TO BE SUBMITTED ON OR BEFORE JULY 31,15
	272	+	2024,
	273	+	A CARRIER SHALL ALSO SUBMIT THE INFORMATION REQUIRED IN16
	274	+	SUBSECTION (3)(a) OF THIS SECTION FOR THE PLAN YEARS 2021 THROUGH17
	275	+	2024.18
240	276		(c) I
241		-	F THE COMMISSIONER DEEMS THAT DATA VERIFICATION OF A
242		-	CARRIER
243		-	'S DENTAL LOSS RATIO FOR A DENTAL COVERAGE PLAN IS
244		-	NECESSARY
245		-	, THE COMMISSIONER SHALL GIVE THE CARRIER AT LEAST THIRTY
246		-	DAYS NOTIFICATION PRIOR TO BEGINNING THE VERIFICATION PROCESS WITH
247		-	THE CARRIER
248		-	.
249		-	(d) (I) B
250		-	Y JANUARY 1 OF THE YEAR AFTER THE DIVISION RECEIVES
251		-	THE DENTAL LOSS RATIO INFORMATION COLLECTED PURSUANT TO
252		-	SUBSECTION
253		-	(3)(a) OF THIS SECTION, THE DIVISION SHALL MAKE THE
254		-	INFORMATION
255		-	, INCLUDING THE AGGREGATE DENTAL LOSS RATIO AND THE
256		-	PAGE 6-SENATE BILL 23-179 DATA REPORTED PURSUANT TO SUBSECTIONS (3)(a)(II) AND (3)(a)(III) OF
257		-	THIS SECTION
258		-	, AVAILABLE TO THE PUBLIC IN A SEARCHABLE FORMAT ON A
259		-	PUBLIC WEBSITE THAT ALLOWS MEMBERS OF THE PUBLIC TO COMPARE
260		-	DENTAL LOSS RATIOS AMONG CARRIERS BY PLAN TYPE BY
261		-	:
262		-	(A) P
263		-	OSTING THE INFORMATION ON THE DIVISION 'S WEBSITE; OR
264		-	(B) PROVIDING THE INFORMATION TO THE ADMINISTRATOR OF THE
265		-	ALL
266		-	-PAYER HEALTH CLAIMS DATABASE ESTABLISHED PURSUANT TO SECTION
267		-	25.5-1-204. IF THE DIVISION PROVIDES THE INFORMATION TO THE
268		-	ADMINISTRATOR
269		-	, THE ADMINISTRATOR SHALL MAKE THE INFORMATION
270		-	AVAILABLE TO THE PUBLIC IN A FORMAT DETERMINED BY THE DIVISION
271		-	.
	277	+	F THE COMMISSIONER DEEMS THAT DATA VERIFICATION OF A19
	278	+	CARRIER'S DENTAL LOSS RATIO FOR A DENTAL COVERAGE PLAN IS20
	279	+	NECESSARY, THE COMMISSIONER SHALL GIVE THE CARRIER AT LEAST21
	280	+	THIRTY DAYS NOTIFICATION PRIOR TO BEGINNING THE VERIFICATION22
	281	+	PROCESS WITH THE CARRIER.23
	282	+	(d) (I)
	283	+	BY JANUARY 1 OF THE YEAR AFTER THE DIVISION RECEIVES24
	284	+	THE DENTAL LOSS RATIO INFORMATION COLLECTED PURSUANT TO25
	285	+	SUBSECTION (3)(a) OF THIS SECTION, THE DIVISION SHALL MAKE THE26
	286	+	INFORMATION, INCLUDING THE AGGREGATE DENTAL LOSS RATIO AND THE27
	287	+	179
	288	+	-8- DATA REPORTED PURSUANT TO SUBSECTIONS (3)(a)(II) AND (3)(a)(III) OF1
	289	+	THIS SECTION, AVAILABLE TO THE PUBLIC IN A SEARCHABLE FORMAT ON2
	290	+	A PUBLIC WEBSITE THAT ALLOWS MEMBERS OF THE PUBLIC TO COMPARE3
	291	+	DENTAL LOSS RATIOS AMONG CARRIERS BY PLAN TYPE BY :4
	292	+	(A) POSTING THE INFORMATION ON THE DIVISION 'S WEBSITE; OR5
	293	+	(B) PROVIDING THE INFORMATION TO THE ADMINISTRATOR OF THE6
	294	+	ALL-PAYER HEALTH CLAIMS DATABASE ESTABLISHED PURSUANT TO7
	295	+	SECTION 25.5-1-204. IF THE DIVISION PROVIDES THE INFORMATION TO THE8
	296	+	ADMINISTRATOR, THE ADMINISTRATOR SHALL MAKE THE INFORMATION9
	297	+	AVAILABLE TO THE PUBLIC IN A FORMAT DETERMINED BY THE DIVISION .10
272	298		(II) T
273		-	HE DIVISION SHALL REPORT THE DATA IN SUBSECTION (3)(a) OF
274		-	THIS SECTION
275		-	, AND, IF AVAILABLE, SUBSECTION (4)(a) OF THIS SECTION, TO
276		-	THE GENERAL ASSEMBLY DURING THE
277		-	"STATE MEASUREMENT FOR
278		-	ACCOUNTABLE, RESPONSIVE, AND TRANSPARENT (SMART) GOVERNMENT
279		-	ACT" HEARINGS HELD PURSUANT TO PART 2 OF ARTICLE 7 OF TITLE 2.
	299	+	HE DIVISION
	300	+	SHALL REPORT THE DATA IN SUBSECTION (3)(a)11
	301	+	OF THIS SECTION, AND, IF AVAILABLE, SUBSECTION (4)(a) OF THIS SECTION,12
	302	+	TO THE GENERAL ASSEMBLY DURING THE "STATE MEASUREMENT FOR13
	303	+	A
	304	+	CCOUNTABLE, RESPONSIVE, AND TRANSPARENT (SMART)14
	305	+	G
	306	+	OVERNMENT ACT" HEARINGS HELD PURSUANT TO PART 2 OF ARTICLE 715
	307	+	OF TITLE 2.16
280	308		(4) (a) O
281		-	NCE THE DIVISION HAS COLLECTED THE DATA PURSUANT TO
282		-	SUBSECTION
283		-	(3) OF THIS SECTION FOR TWO CALENDAR YEARS , THE
284		-	COMMISSIONER SHALL PROMULGATE RULES THAT CREATE A PROCESS TO
285		-	IDENTIFY ANY CARRIERS THAT SIGNIFICANTLY DEVIATE FROM AVERAGE
286		-	DENTAL LOSS RATIOS AND TO INVESTIGATE THE CAUSES OF THE DEVIATION
287		-	.
288		-	S
289		-	UCH PROCESS SHALL INCLUDE:
	309	+	NCE THE DIVISION HAS COLLECTED THE DATA PURSUANT17
	310	+	TO SUBSECTION (3) OF THIS SECTION FOR TWO CALENDAR YEARS , THE18
	311	+	COMMISSIONER SHALL PROMULGATE RULES THAT CREATE A PROCESS TO19
	312	+	IDENTIFY ANY CARRIERS THAT SIGNIFICANTLY DEVIATE FROM AVERAGE20
	313	+	DENTAL LOSS RATIOS AND TO INVESTIGATE THE CAUSES OF THE21
	314	+	DEVIATION. SUCH PROCESS SHALL INCLUDE:22
290	315		(I) C
291		-	ALCULATING AN AVERAGE DENTAL LOSS RATIO FOR EACH
292		-	MARKET SEGMENT USING AGGREGATE DATA FOR A THREE
293		-	-YEAR PERIOD,
294		-	CONSISTING OF DATA FOR THE DENTAL LOSS RATIO REPORTING YEAR THAT
295		-	IS BEING REPORTED AND THE DATA FOR THE TWO PRIOR DENTAL LOSS RATIO
296		-	REPORTING YEARS
297		-	;
298		-	(II) I
299		-	DENTIFYING AS OUTLIERS THE DENTAL COVERAGE PLANS THAT
300		-	FALL OUTSIDE OF A SET NUMBER OF STANDARD DEVIATIONS FROM THE
301		-	AVERAGE DENTAL LOSS RATIO
302		-	, AS DETERMINED BY RULE OF THE
303		-	COMMISSIONER BASED ON REVIEW OF THE DATA AND CONSIDERATION OF THE
304		-	IMPACT OF NONPROFIT COMMUNITY BENEFIT EXPENDITURES ON ANY OUTLIER
305		-	CALCULATION
306		-	.
	316	+	ALCULATING AN AVERAGE DENTAL LOSS RATIO FOR EACH23
	317	+	MARKET SEGMENT USING AGGREGATE DATA FOR A THREE -YEAR PERIOD,24
	318	+	CONSISTING OF DATA FOR THE DENTAL LOSS RATIO REPORTING YEAR THAT25
	319	+	IS BEING REPORTED AND THE DATA FOR THE TWO PRIOR DENTAL LOSS26
	320	+	RATIO REPORTING YEARS;27
	321	+	179
	322	+	-9- (II) IDENTIFYING AS OUTLIERS THE DENTAL COVERAGE PLANS1
	323	+	THAT FALL OUTSIDE OF A SET NUMBER OF STANDARD DEVIATIONS FROM2
	324	+	THE AVERAGE DENTAL LOSS RATIO , AS DETERMINED BY RULE OF THE3
	325	+	COMMISSIONER BASED ON REVIEW OF THE DATA AND CONSIDERATION OF4
	326	+	THE IMPACT OF NONPROFIT COMMUNITY BENEFIT EXPENDITURES ON ANY5
	327	+	OUTLIER CALCULATION.6
307	328		(b) T
308		-	HE COMMISSIONER MAY APPLY MORE RESTRICTIVE STANDARD
309		-	PAGE 7-SENATE BILL 23-179 DEVIATION METRICS OVER TIME TO PREVENT DECLINES IN THE AVERAGE
310		-	DENTAL LOSS RATIO IN A MARKET SEGMENT AND MAY ESTABLISH BY RULE
311		-	ADDITIONAL CRITERIA FOR USE IN IDENTIFYING OUTLIERS
312		-	.
	329	+	HE COMMISSIONER MAY APPLY MORE RESTRICTIVE STANDARD7
	330	+	DEVIATION METRICS OVER TIME TO PREVENT DECLINES IN THE AVERAGE8
	331	+	DENTAL LOSS RATIO IN A MARKET SEGMENT AND MAY ESTABLISH BY RULE9
	332	+	ADDITIONAL CRITERIA FOR USE IN IDENTIFYING OUTLIERS .10
313	333		(5) (a) T
314		-	HE COMMISSIONER MAY ENFORCE COMPLIANCE WITH THE
315		-	REPORTING REQUIREMENTS IN THIS SECTION AND IMPOSE A PENALTY OR
316		-	REMEDY AGAINST A PERSON WHO VIOLATES THIS SECTION
317		-	.
	334	+	HE COMMISSIONER MAY ENFORCE COMPLIANCE WITH THE11
	335	+	REPORTING REQUIREMENTS IN THIS SECTION AND IMPOSE A PENALTY OR12
	336	+	REMEDY AGAINST A PERSON WHO VIOLATES THIS SECTION .13
318	337		(b) T
319		-	HE COMMISSIONER MAY INVESTIGATE OR TAKE ENFORCEMENT
320		-	ACTIONS AGAINST CARRIERS THAT ARE DETERMINED TO BE OUTLIERS
321		-	PURSUANT TO SUBSECTION
322		-	(4) OF THIS SECTION AND RULES ADOPTED
323		-	PURSUANT TO SAID SUBSECTION
324		-	(4) AND IMPOSE A PENALTY OR REMEDY
325		-	AGAINST A PERSON WHO VIOLATES THIS SECTION
326		-	.
	338	+	HE COMMISSIONER MAY INVESTIGATE OR TAKE ENFORCEMENT14
	339	+	ACTIONS AGAINST CARRIERS THAT ARE DETERMINED TO BE OUTLIERS15
	340	+	PURSUANT TO SUBSECTION (4) OF THIS SECTION AND RULES ADOPTED16
	341	+	PURSUANT TO SAID SUBSECTION (4) AND IMPOSE A PENALTY OR REMEDY17
	342	+	AGAINST A PERSON WHO VIOLATES THIS SECTION .18
327	343		(6) T
328		-	HE COMMISSIONER MAY PROMULGATE RULES TO ~~IMPLEMENT~~
329		-	THIS SECTION
330		-	.
331		-	SECTION 4. In Colorado Revised Statutes, 10-16-135, ~~add (7) as~~
332		-	follows:
333		-	10-16-135. Health coverage plan information cards - rules -
	344	+	HE COMMISSIONER MAY PROMULGATE RULES TO IMPLEMENT19
	345	+	THIS SECTION.20
	346	+
	347	+	SECTION 4. In Colorado Revised Statutes, 10-16-135, add21
	348	+	(7) as follows:22
	349	+	10-16-135. Health coverage plan information cards - rules -23
334	350		standardization - contents. (7) T
335	351		HE COMMISSIONER SHALL ADOPT RULES
336		-	THAT REQUIRE EACH CARRIER THAT PROVIDES A DENTAL COVERAGE PLAN
337		-	,
338		-	AS DEFINED IN SECTION 10-16-165 (1)(a), TO ISSUE TO COVERED PERSONS TO
339		-	WHOM A DENTAL COVERAGE PLAN IDENTIFICATION CARD IS ISSUED A
340		-	STANDARDIZED WRITTEN OR VIRTUAL CARD CONTAINING PLAN
341		-	INFORMATION
342		-	. TO THE EXTENT POSSIBLE, THE RULES MUST INCORPORATE
343		-	AND NOT CONFLICT WITH THE REQUIREMENTS OF SECTION
344		-	10-16-124
345		-	REGARDING PRESCRIPTION INFORMATION CARDS . THE COMMISSIONER SHALL
346		-	ADOPT RULES BY
347		-	MARCH 31, 2024, THAT DESCRIBE THE FORMAT OF THE
348		-	STANDARDIZED CARD TO BE ISSUED BY CARRIERS
349		-	. THE RULES ESTABLISHING
350		-	THE FORMAT FOR THE CARD MUST INCLUDE A STANDARD SIZE
351		-	, MUST REQUIRE
352		-	THE CARD TO BE LEGIBLE AND PHOTOCOPIED
353		-	, AND MUST DELINEATE THE
354		-	INFORMATION TO BE CONTAINED ON THE CARD
355		-	, INCLUDING THE FOLLOWING,
356		-	AS APPLICABLE:
	352	+	24
	353	+	THAT REQUIRE EACH CARRIER THAT PROVIDES A DENTAL COVERAGE PLAN ,25
	354	+	AS DEFINED IN SECTION 10-16-158 (1)(a), TO ISSUE TO COVERED PERSONS26
	355	+	TO WHOM A DENTAL COVERAGE PLAN IDENTIFICATION CARD IS ISSUED A27
	356	+	179
	357	+	-10- STANDARDIZED WRI TTEN OR VIRTUAL CARD CONTAINING PLAN1
	358	+	INFORMATION. TO THE EXTENT POSSIBLE, THE RULES MUST INCORPORATE2
	359	+	AND NOT CONFLICT WITH THE REQUIREMENTS OF SECTION 10-16-1243
	360	+	REGARDING PRESCRIPTION INFORMATION CARDS . THE COMMISSIONER4
	361	+	SHALL ADOPT RULES BY MARCH 31, 2024, THAT DESCRIBE THE FORMAT OF5
	362	+	THE STANDARDIZED CARD TO BE ISSUED BY CARRIERS . THE RULES6
	363	+	ESTABLISHING THE FORMAT FOR THE CARD MUST INCLUDE A STANDARD7
	364	+	SIZE, MUST REQUIRE THE CARD TO BE LEGIBLE AND PHOTOCOPIED , AND8
	365	+	MUST DELINEATE THE INFORMATION TO BE CONTAINED ON THE CARD ,9
	366	+	INCLUDING THE FOLLOWING, AS APPLICABLE:10
357	367		(a) T
358	368		HE COVERED PERSON'S NAME AND THE APPLICABLE PLAN
359		-	~~NUMBER~~
360		-	;
	369	+	11
	370	+	NUMBER;12
361	371		(b) C
362		-	ONTACT INFORMATION FOR THE CARRIER OR DENTAL COVERAGE
363		-	PAGE 8-SENATE BILL 23-179 PLAN ADMINISTRATOR; AND
364		-	(c) AN INDICATION OF WHETHER THE DENTAL COVERAGE PLAN IS
365		-	REGULATED BY THE STATE OF
366		-	COLORADO.
367		-	SECTION 5. In Colorado Revised Statutes, 25.5-1-204, add (5)(j)
368		-	as follows:
369		-	25.5-1-204. Advisory committee to oversee the all-payer health
370		-	claims database - creation - members - duties - legislative declaration
371		-	- rules - report. (5) If sufficient funding is received, the executive director
372		-	shall direct the administrator to create the database and the administrator
373		-	shall:
	372	+	ONTACT INFORMATION FOR THE CARRIER OR DENTAL
	373	+	13
	374	+	COVERAGE PLAN ADMINISTRATOR ; AND14
	375	+	(c) A
	376	+	N INDICATION OF WHETHER THE DENTAL COVERAGE PLAN IS
	377	+	15
	378	+	REGULATED BY THE STATE OF COLORADO.16
	379	+	SECTION 5. In Colorado Revised Statutes, 25.5-1-204, add17
	380	+	(5)(j) as follows:18
	381	+	25.5-1-204. Advisory committee to oversee the all-payer health19
	382	+	claims database - creation - members - duties - legislative declaration20
	383	+	- rules - report. (5) If sufficient funding is received, the executive21
	384	+	director shall direct the administrator to create the database and the22
	385	+	administrator shall:23
374	386		(j) S
375	387		UBJECT TO AVAILABLE APPROPRIATIONS AND AT THE REQUEST
376		-	OF THE COMMISSIONER OF INSURANCE
377		-	, PUBLISH INFORMATION TO THE PUBLIC
378		-	CONCERNING DENTAL LOSS RATIO INFORMATION COLLECTED BY THE
379		-	DIVISION OF INSURANCE PURSUANT TO SECTION
380		-	10-16-165.
381		-	SECTION 6. Appropriation. For the 2023-24 state fiscal year,
382		-	$64,252 is appropriated to the department of regulatory agencies for use by
383		-	the division of insurance. This appropriation is from the division of
384		-	insurance cash fund created in section 10-1-103 (3), C.R.S. To implement
385		-	this act, the division may use this appropriation as follows:
386		-	(a) $56,637 for personal services, which amount is based on an
387		-	assumption that the division will require an additional 0.7 FTE; and
388		-	(b) $7,615 for operating expenses.
389		-	SECTION 7. Act subject to petition - effective date. This act
390		-	takes effect at 12:01 a.m. on the day following the expiration of the
391		-	ninety-day period after final adjournment of the general assembly; except
392		-	that, if a referendum petition is filed pursuant to section 1 (3) of article V
393		-	of the state constitution against this act or an item, section, or part of this act
394		-	within such period, then the act, item, section, or part will not take effect
395		-	unless approved by the people at the general election to be held in
396		-	PAGE 9-SENATE BILL 23-179 November 2024 and, in such case, will take effect on the date of the official
397		-	declaration of the vote thereon by the governor.
398		-	____________________________ ____________________________
399		-	Steve Fenberg Julie McCluskie
400		-	PRESIDENT OF SPEAKER OF THE HOUSE
401		-	THE SENATE OF REPRESENTATIVES
402		-	____________________________ ____________________________
403		-	Cindi L. Markwell Robin Jones
404		-	SECRETARY OF CHIEF CLERK OF THE HOUSE
405		-	THE SENATE OF REPRESENTATIVES
406		-	APPROVED________________________________________
407		-	(Date and Time)
408		-	_________________________________________
409		-	Jared S. Polis
410		-	GOVERNOR OF THE STATE OF COLORADO
411		-	PAGE 10-SENATE BILL 23-179
	388	+	24
	389	+	OF THE COMMISSIONER OF INSURANCE , PUBLISH INFORMATION TO THE25
	390	+	PUBLIC CONCERNING DENTAL LOSS RATIO INFORMATION COLLECTED BY26
	391	+	THE DIVISION OF INSURANCE PURSUANT TO SECTION 10-16-158.27
	392	+	179
	393	+	-11- SECTION 6. Appropriation. For the 2023-24 state fiscal year,1
	394	+	$64,252 is appropriated to the department of regulatory agencies for use2
	395	+	by the division of insurance. This appropriation is from the division of3
	396	+	insurance cash fund created in section 10-1-103 (3), C.R.S. To implement4
	397	+	this act, the division may use this appropriation as follows: 5
	398	+	(a) $56,637 for personal services, which amount is based on an6
	399	+	assumption that the division will require an additional 0.7 FTE; and7
	400	+	(b) $7,615 for operating expenses.8
	401	+	SECTION 7. Act subject to petition - effective date. This act9
	402	+	takes effect at 12:01 a.m. on the day following the expiration of the10
	403	+	ninety-day period after final adjournment of the general assembly; except11
	404	+	that, if a referendum petition is filed pursuant to section 1 (3) of article V12
	405	+	of the state constitution against this act or an item, section, or part of this13
	406	+	act within such period, then the act, item, section, or part will not take14
	407	+	effect unless approved by the people at the general election to be held in15
	408	+	November 2024 and, in such case, will take effect on the date of the16
	409	+	official declaration of the vote thereon by the governor.17
	410	+	179
	411	+	-12-