First Regular Session Seventy-fifth General Assembly STATE OF COLORADO INTRODUCED LLS NO. 25-0311.01 Kristen Forrestal x4217 SENATE BILL 25-010 Senate Committees House Committees Health & Human Services A BILL FOR AN ACT C ONCERNING ELECTRONIC COMM UNICATIONS IN HEALTH CARE .101 Bill Summary (Note: This summary applies to this bill as introduced and does not reflect any amendments that may be subsequently adopted. If this bill passes third reading in the house of introduction, a bill summary that applies to the reengrossed version of this bill will be available at http://leg.colorado.gov .) Subject to specific requirements, the bill allows a notice to a party or other document required by law in an insurance transaction or that is to serve as evidence of health insurance coverage to be delivered, stored, and presented by electronic means if the electronic means meet the requirements of the "Uniform Electronic Transactions Act". The delivery of a notice or document by electronic means is considered the equivalent to and has the same effect as any other delivery method required by law. The bill requires health insurance carriers to deliver paper SENATE SPONSORSHIP Mullica and Pelton B., HOUSE SPONSORSHIP Brown, Shading denotes HOUSE amendment. Double underlining denotes SENATE amendment. Capital letters or bold & italic numbers indicate new material to be added to existing law. Dashes through the words or numbers indicate deletions from existing law. communications to individuals that may not have consistent access to the internet and to any individuals that may elect to receive paper communications upon request. An insurance producer is not subject to civil liability for any harm or injury that occurs because of a party's election to receive any notice or document by electronic means or by a carrier's failure to deliver or a party's failure to receive a notice or document by electronic means. A carrier may mail, deliver, or, if the carrier obtains separate, specific consent, post on the carrier's website a health coverage plan and an endorsement that does not contain personal identifying information. If the carrier elects to post a health coverage plan and an endorsement on the carrier's website in lieu of mailing or delivering the health coverage plan and endorsement, the carrier shall comply with certain conditions. The commissioner of insurance is required to adopt rules to implement the bill. Be it enacted by the General Assembly of the State of Colorado:1 SECTION 1. In Colorado Revised Statutes, add 10-16-170 as2 follows:3 10-16-170. Delivery of notices and documents by electronic4 means - definitions - consent required - withdrawal of consent -5 employers - immunity from liability - posting of plans and6 endorsements on carrier website - applicability - rules. (1) A S USED7 IN THIS SECTION, UNLESS THE CONTEXT OTHERWISE REQUIRES :8 (a) "D ELIVERED BY ELECTRONIC MEANS " MEANS:9 (I) D ELIVERY TO AN ELECTRONIC MAIL ADDRESS AT WHICH A10 PARTY HAS CONSENTED TO RECEIVE NOTICES OR DOCUMENTS ; OR11 (II) P OSTING ON AN ELECTRONIC NETWORK OR SITE ACCESSIBLE12 VIA THE INTERNET, A MOBILE APPLICATION, A COMPUTER, A MOBILE13 DEVICE, A TABLET, OR ANY OTHER ELECTRONIC DEVICE, TOGETHER WITH14 SEPARATE NOTICE OF THE POSTING PROVIDED BY ELECTRONIC MAIL TO THE15 ADDRESS AT WHICH THE PARTY HAS CONSENTED TO RECEIVE NOTICE OR BY16 ANY OTHER DELIVERY METHOD THAT HAS BEEN CONSENTED TO BY THE17 SB25-010-2- PARTY. THE SEPARATE NOTICE OF THE POSTING MUST CONTAIN THE1 INTERNET ADDRESS AT WHICH THE DOCUMENTS ARE POSTED , AND2 DELIVERY IS EFFECTIVE UPON THE POSTING OR THE ACTUAL DELIVERY OF3 THE SEPARATE NOTICE OF THE POSTING, WHICHEVER OCCURS LATER.4 (b) "P ARTY" MEANS A RECIPIENT OF A NOTICE OR DOCUMENT5 REQUIRED AS PART OF AN INSURANCE TRANSACTION , INCLUDING AN6 APPLICANT FOR HEALTH INSURANCE COVERAGE , A COVERED PERSON, A7 POLICYHOLDER, OR AN ANNUITY CONTRACT HOLDER .8 (2) (a) N OTWITHSTANDING ANY PROVISION OF THIS ARTICLE 16 TO9 THE CONTRARY, SUBJECT TO THE REQUIREMENTS OF THIS SECTION , A10 NOTICE TO A PARTY OR OTHER DOCUMENT REQUIRED BY LAW IN AN11 INSURANCE TRANSACTION OR THAT IS TO SERVE AS EVIDENCE OF HEALTH12 INSURANCE COVERAGE MAY BE DELIVERED , STORED, AND PRESENTED BY13 ELECTRONIC MEANS IF THE ELECTRONIC MEANS MEET THE REQUIREMENTS14 OF THE "UNIFORM ELECTRONIC TRANSACTIONS ACT", ARTICLE 71.3 OF15 TITLE 24.16 (b) T HE DELIVERY OF A NOTICE OR DOCUMENT IN ACCORDANCE17 WITH THIS SECTION IS CONSIDERED THE EQUIVALENT TO AND HAS THE18 SAME EFFECT AS ANY DELIVERY METHOD REQUIRED BY LAW , INCLUDING19 DELIVERY BY FIRST-CLASS MAIL, FIRST-CLASS MAIL WITH POSTAGE20 PREPAID, CERTIFIED MAIL, CERTIFICATE OF MAIL, OR CERTIFICATE OF21 MAILING.22 (3) A NOTICE OR DOCUMENT MAY BE DELIVERED BY ELECTRONIC23 MEANS BY A CARRIER TO A PARTY PURSUANT TO THIS SECTION IF :24 (a) T HE PARTY HAS AFFIRMATIVELY CONSENTED ELECTRONICALLY ,25 OR CONFIRMED CONSENT ELECTRONICALLY , IN A MANNER THAT26 REASONABLY DEMONSTRATES THAT THE PARTY CAN ACCESS INFORMATION27 SB25-010 -3- IN THE ELECTRONIC FORM THAT WILL BE USED FOR NOTICES OR1 DOCUMENTS DELIVERED BY ELECTRONIC MEANS TO WHICH THE PARTY HAS2 GIVEN CONSENT, AND THE PARTY HAS NOT WITHDRAWN THE CONSENT ;3 AND4 (b) B EFORE THE PARTY CONSENTS , THE CARRIER PROVIDES THE5 PARTY A CLEAR AND CONSPICUOUS STATEMENT INFORMING THE PARTY OF :6 (I) T HE HARDWARE AND SOFTWARE REQUIREMENTS FOR ACCESS7 TO AND RETENTION OF A NOTICE OR DOCUMENT DELIVERED BY8 ELECTRONIC MEANS;9 (II) T HE TYPES OF NOTICES AND DOCUMENTS TO WHICH THE10 PARTY'S CONSENT APPLIES;11 (III) T HE RIGHT OF THE PARTY TO WITHDRAW CONSENT AT ANY12 TIME, AT NO CHARGE, AND ANY CONDITIONS OR CONSEQUENCES TO BE13 IMPOSED IN THE EVENT CONSENT IS WITHDRAWN ;14 (IV) T HE PROCEDURES A PARTY MUST FOLLOW TO WITHDRAW15 CONSENT, WHICH PROCEDURES MUST BE NO MORE BURDENSOME THAN THE16 PROCEDURES REQUIRED TO PROVIDE CONSENT , TO HAVE A NOTICE OR17 DOCUMENT DELIVERED BY ELECTRONIC MEANS , OR TO UPDATE THE18 PARTY'S ELECTRONIC MAIL ADDRESS; AND19 (V) T HE PARTY'S RIGHT TO HAVE ANY NOTICE OR DOCUMENT20 DELIVERED IN PAPER FORM UPON REQUEST .21 (4) (a) N OTWITHSTANDING SUBSECTION (3) OF THIS SECTION, AN22 EMPLOYER OFFERING A HEALTH COVERAGE PLAN MAY , ON BEHALF OF A23 COVERED PERSON ENROLLED IN THE PLAN , PROVIDE CONSENT TO THE24 MAILING OF ALL COMMUNICATIONS RELATED TO THE PLAN BY ELECTRONIC25 MEANS IF, BEFORE CONSENTING ON BEHALF OF A COVERED PERSON , AN26 EMPLOYER HAS:27 SB25-010 -4- (I) CONFIRMED THAT THE COVERED PERSON ROUTINELY USES1 ELECTRONIC COMMUNICATIONS DURING THE NORMAL COURSE OF2 EMPLOYMENT AND IS ABLE TO ACCESS AND RETAIN ELECTRONIC3 COMMUNICATIONS THAT MAY BE DELIVERED BY THE CARRIER ; AND4 (II) I NFORMED THE COVERED PERSON THAT THE CONSENT WILL BE5 PROVIDED AND NOTICES AND DOCUMENTS RELATED TO THE PLAN MAY BE6 DELIVERED TO THE COVERED PERSON 'S WORK ELECTRONIC MAIL ADDRESS7 UNLESS THE COVERED PERSON AFFIRMATIVELY OPTS OUT OF DELIVERY BY8 ELECTRONIC MEANS OR PROVIDES AN ALTERNATIVE ELECTRONIC MAIL9 ADDRESS.10 (b) T HE CARRIER FOR THE HEALTH COVERAGE PLAN SHALL :11 (I) P ROVIDE THE COVERED PERSON WITH A CLEAR AND12 CONSPICUOUS STATEMENT INFORMING THE COVERED PERSON OF :13 (A) T HE TYPES OF NOTICES AND DOCUMENTS THAT MAY BE14 DELIVERED TO THE COVERED PERSON BY ELECTRONIC MEANS ;15 (B) T HE RIGHT OF THE COVERED PERSON TO WITHDRAW CONSENT16 TO HAVE A NOTICE OR DOCUMENT DELIVERED BY ELECTRONIC MEANS AT17 ANY TIME WITHOUT CHARGE ;18 (C) T HE PROCEDURES THE COVERED PERSON MUST FOLLOW TO19 WITHDRAW CONSENT TO HAVE A NOTICE OR DOCUMENT DELIVERED BY20 ELECTRONIC MEANS AND TO UPDATE THE COVERED PERSON 'S ELECTRONIC21 MAIL ADDRESS; AND22 (D) T HE RIGHT OF THE COVERED PERSON TO HAVE ANY NOTICE OR23 DOCUMENT DELIVERED, UPON REQUEST, IN PAPER FORM FREE OF CHARGE;24 AND25 (II) P ROVIDE THE COVERED PERSON AN OPPORTUNITY TO OPT OUT26 OF DELIVERY BY ELECTRONIC MEANS .27 SB25-010 -5- (5) A CARRIER THAT RECEIVES A PARTY 'S CONSENT FOR THE1 DELIVERY OF NOTICES OR DOCUMENTS BY ELECTRONIC MEANS SHALL2 ENSURE THAT THE APPLICABLE PROVISIONS OF THE CONDITIONS UNDER3 THE "UNIFORM ELECTRONIC TRANSACTIONS ACT", ARTICLE 71.3 OF TITLE4 24, ARE SATISFIED, AS REQUIRED BY SUBSECTION (2)(a) OF THIS SECTION.5 (6) (a) W HEN A NOTICE OR DOCUMENT IS PROVIDED6 ELECTRONICALLY TO A PARTY PURSUANT TO THIS SECTION , A CARRIER7 SHALL APPRISE THE PARTY OF THE SIGNIFICANCE OF THE NOTICE OR8 DOCUMENT, WHEN IT IS NOT OTHERWISE REASONABLY EVIDENT , AND OF9 THE RIGHT TO REQUEST AND OBTAIN A PAPER VERSION OF THE NOTICE OR10 DOCUMENT.11 (b) A CARRIER SHALL TAKE ALL REASONABLE MEASURES TO12 ENSURE THAT DELIVERY BY ELECTRONIC MEANS PURSUANT TO THIS13 SECTION RESULTS IN THE PARTY'S RECEIPT OF THE NOTICE OR DOCUMENT.14 (7) A FTER A PARTY GIVES CONSENT FOR THE DELIVERY OF NOTICES15 AND DOCUMENTS BY ELECTRONIC MEANS , IF A CHANGE IN THE HARDWARE16 OR SOFTWARE REQUIREMENTS NEEDED TO ACCESS OR RETAIN A NOTICE OR17 DOCUMENT CREATES A MATERIAL RISK THAT THE PARTY WILL NOT BE18 ABLE TO ACCESS OR RETAIN A NOTICE OR DOCUMENT TO WHICH THE19 CONSENT APPLIES, THE CARRIER SHALL NOT DELIVER THE NOTICE OR20 DOCUMENT BY ELECTRONIC MEANS UNLESS THE CARRIER COMPLIES WITH21 SUBSECTION (3) OF THIS SECTION AND PROVIDES THE PARTY A STATEMENT22 THAT DESCRIBES:23 (a) T HE REVISED HARDWARE AND SOFTWARE REQUIREMENTS FOR24 ACCESS TO AND RETENTION OF A NOTICE OR DOCUMENT DELIVERED BY25 ELECTRONIC MEANS; AND26 (b) T HE RIGHT OF THE PARTY TO WITHDRAW CONSENT WITHOUT27 SB25-010 -6- THE IMPOSITION OF ANY CONDITION OR CONSEQUENCE THAT WAS NOT1 DISCLOSED AT THE TIME OF INITIAL CONSENT.2 (8) (a) T HIS SECTION DOES NOT AFFECT REQUIREMENTS RELATED3 TO THE CONTENT OR TIMING OF ANY NOTICE OR DOCUMENT REQUIRED BY4 ANY OTHER APPLICABLE LAW .5 (b) I F ANOTHER APPLICABLE LAW EXPRESSLY REQUIRES A6 CONFIRMATION OF RECEIPT OF A NOTICE OR DOCUMENT , THE NOTICE OR7 DOCUMENT MAY BE DELIVERED BY ELECTRONIC MEANS ONLY IF THE8 METHOD USED PROVIDES FOR ACTIVE CONFIRMATION OF RECEIPT BY THE9 RECIPIENT.10 (c) T HIS SECTION DOES NOT APPLY TO A NOTICE OR DOCUMENT11 THAT A CARRIER DELIVERED BY ELECTRONIC MEANS BEFORE THE12 EFFECTIVE DATE OF THIS SECTION TO A PARTY WHO , BEFORE THAT DATE,13 CONSENTED TO RECEIVE THE NOTICE OR DOCUMENT BY ELECTRONIC14 MEANS AS OTHERWISE ALLOWED BY LAW .15 (d) T HE LEGAL EFFECTIVENESS, VALIDITY, OR ENFORCEABILITY OF16 ANY CONTRACT OR POLICY OF INSURANCE EXECUTED BY A PARTY SHALL17 NOT BE DENIED SOLELY BECAUSE OF THE FAILURE OF THE CARRIER TO18 OBTAIN OR CONFIRM THE PARTY'S CONSENT FOR THE DELIVERY OF NOTICES19 OR DOCUMENTS BY ELECTRONIC MEANS SO LONG AS THE NOTICE OR20 DOCUMENT IS DELIVERED IN PAPER FORM .21 (9) (a) A PARTY'S WITHDRAWAL OF CONSENT DOES NOT AFFECT22 THE LEGAL EFFECTIVENESS, VALIDITY, OR ENFORCEABILITY OF A NOTICE23 OR DOCUMENT THAT IS DELIVERED BY ELECTRONIC MEANS TO THE PARTY24 BEFORE THE PARTY'S WITHDRAWAL OF CONSENT IS EFFECTIVE .25 (b) A WITHDRAWAL OF CONSENT BY A PARTY SHALL BE EFFECTIVE26 WITHIN A REASONABLE PERIOD OF TIME AFTER RECEIPT OF THE27 SB25-010 -7- WITHDRAWAL BY THE CARRIER .1 (c) A CARRIER'S FAILURE TO COMPLY WITH SUBSECTION (3) OR (4)2 OF THIS SECTION MAY BE TREATED, AT THE ELECTION OF A PARTY, AS A3 WITHDRAWAL OF THE PARTY 'S CONSENT FOR PURPOSES OF THIS SECTION.4 (10) I F THE CONSENT OF A PARTY TO RECEIVE NOTICES OR5 DOCUMENTS BY ELECTRONIC MEANS IS ON FILE WITH A CARRIER BEFORE6 THE EFFECTIVE DATE OF THIS SECTION , AND A CARRIER INTENDS TO7 DELIVER ADDITIONAL NOTICES OR DOCUMENTS TO THE PARTY BY8 ELECTRONIC MEANS PURSUANT TO THIS SECTION , THEN PRIOR TO9 DELIVERING THE ADDITIONAL NOTICES OR DOCUMENTS BY ELECTRONIC10 MEANS, THE CARRIER SHALL COMPLY WITH SUBSECTION (2) OF THIS11 SECTION AND SHALL PROVIDE THE PARTY A STATEMENT THAT DESCRIBES :12 (a) T HE NOTICES OR DOCUMENTS TO BE DELIVERED BY ELECTRONIC13 MEANS THAT WERE NOT PREVIOUSLY DELIVERED BY ELECTRONIC MEANS ;14 AND15 (b) T HE PARTY'S RIGHT TO WITHDRAW CONSENT TO HAVE NOTICES16 OR DOCUMENTS DELIVERED BY ELECTRONIC MEANS , WITHOUT THE17 IMPOSITION OF ANY CONDITION OR CONSEQUENCE THAT WAS NOT18 DISCLOSED AT THE TIME OF INITIAL CONSENT.19 (11) (a) A CARRIER SHALL DELIVER A NOTICE OR DOCUMENT BY20 ANY OTHER DELIVERY METHOD PERMITTED BY LAW OTHER THAN BY21 ELECTRONIC MEANS IF:22 (I) T HE CARRIER ATTEMPTS TO DELIVER THE NOTICE OR DOCUMENT23 BY ELECTRONIC MEANS AND REASONABLY BELIEVES THAT THE NOTICE OR24 DOCUMENT HAS NOT BEEN RECEIVED BY THE PARTY ; OR25 (II) T HE CARRIER BECOMES AWARE THAT THE ELECTRONIC MAIL26 ADDRESS PROVIDED BY THE PARTY IS NO LONGER VALID .27 SB25-010 -8- (b) A PARTY'S CONSENT TO HAVE NOTICES OR DOCUMENTS1 DELIVERED BY ELECTRONIC MEANS DOES NOT PRECLUDE THE CARRIER2 FROM DELIVERING A NOTICE OR DOCUMENT BY ANY OTHER DELIVERY3 METHOD PERMITTED BY LAW .4 (12) A N INSURANCE PRODUCER LICENSED PURSUANT TO PART 4 OF5 ARTICLE 2 OF THIS TITLE 10 IS NOT SUBJECT TO CIVIL LIABILITY FOR ANY6 HARM OR INJURY THAT OCCURS BECAUSE OF A PARTY 'S ELECTION TO7 RECEIVE ANY NOTICE OR DOCUMENT BY ELECTRONIC MEANS OR BY A8 CARRIER'S FAILURE TO DELIVER OR A PARTY 'S FAILURE TO RECEIVE A9 NOTICE OR DOCUMENT BY ELECTRONIC MEANS .10 (13) (a) A HEALTH COVERAGE PLAN AND AN ENDORSEMENT THAT11 DOES NOT CONTAIN PERSONAL IDENTIFYING INFORMATION MAY BE12 MAILED, DELIVERED, OR, IF THE CARRIER OBTAINS SEPARATE, SPECIFIC13 CONSENT, POSTED ON THE CARRIER'S WEBSITE. IF THE CARRIER ELECTS TO14 POST A COVERED PERSON 'S HEALTH COVERAGE PLAN AND AN15 ENDORSEMENT ON THE CARRIER 'S WEBSITE IN LIEU OF MAILING OR16 DELIVERING THE HEALTH COVERAGE PLAN AND ENDORSEMENT TO THE17 COVERED PERSON, THE CARRIER SHALL COMPLY WITH THE FOLLOWING18 CONDITIONS:19 (I) T HE HEALTH COVERAGE PLAN AND ENDORSEMENT MUST BE20 ACCESSIBLE TO THE COVERED PERSON AND PRODUCER OF RECORD AND21 REMAIN ACCESSIBLE WHILE THE HEALTH COVERAGE PLAN IS IN FORCE ;22 (II) A FTER THE EXPIRATION OF THE HEALTH COVERAGE PLAN , THE23 CARRIER SHALL EITHER:24 (A) M AKE THE EXPIRED HEALTH COVERAGE PLAN AND25 ENDORSEMENT AVAILABLE UPON REQUEST , FOR A PERIOD OF FIVE YEARS;26 OR27 SB25-010 -9- (B) IF THE CARRIER CONTINUES TO MAKE THE EXPIRED HEALTH1 COVERAGE PLAN OR ENDORSEMENT AVAILABLE ON ITS WEBSITE , CONTINUE2 TO ALLOW THE COVERED PERSON TO ACCESS THE HEALTH COVERAGE PLAN3 AND ENDORSEMENT FOR AT LEAST FIVE YEARS ;4 (III) T HE CARRIER SHALL POST THE HEALTH COVERAGE PLAN AND5 ENDORSEMENT IN A MANNER THAT ENABLES THE COVERED PERSON AND6 PRODUCER OF RECORD TO PRINT AND SAVE THE HEALTH COVERAGE PLAN7 AND ENDORSEMENT USING A PROGRAM OR APPLICATION THAT IS WIDELY8 AVAILABLE ON THE INTERNET AND FREE TO USE ;9 (IV) T HE CARRIER SHALL PROVIDE THE FOLLOWING INFORMATION10 IN, OR SIMULTANEOUS WITH, EACH DECLARATION PAGE PROVIDED AT THE11 TIME OF ISSUANCE OF THE INITIAL HEALTH COVERAGE PLAN AND ANY12 RENEWALS OF THE HEALTH COVERAGE PLAN :13 (A) A DESCRIPTION OF THE EXACT HEALTH COVERAGE PLAN AND14 ENDORSEMENT FORM APPLICABLE TO THE COVERED PERSON ;15 (B) A DESCRIPTION OF THE COVERED PERSON'S RIGHT TO RECEIVE,16 UPON REQUEST AND WITHOUT CHARGE , AN ELECTRONIC AND A PAPER COPY17 OF THE HEALTH COVERAGE PLAN AND ENDORSEMENT ; AND18 (C) T HE INTERNET ADDRESS AT WHICH THE HEALTH COVERAGE19 PLAN AND ENDORSEMENT ARE POSTED ;20 (V) T HE CARRIER, UPON A COVERED PERSON 'S REQUEST AND21 WITHOUT CHARGE FOLLOWING RECEIPT OF THE INITIAL COPY , SHALL MAIL22 A PAPER COPY OF THE HEALTH COVERAGE PLAN AND ENDORSEMENT TO23 THE COVERED PERSON; EXCEPT THAT THE CARRIER MAY CHARGE A FEE FOR24 SUBSEQUENT MAILINGS OF PAPER COPIES ; AND25 (VI) T HE CARRIER SHALL PROVIDE NOTICE , EITHER26 ELECTRONICALLY OR IN WRITING AT THE COVERED PERSON 'S OPTION, OF:27 SB25-010 -10- (A) ANY CHANGE TO THE FORMS OR ENDORSEMENT ;1 (B) T HE COVERED PERSON'S RIGHT TO OBTAIN, UPON REQUEST AND2 ONCE WITHOUT CHARGE FOLLOWING RECEIPT OF THE INITIAL COPY , A3 PAPER COPY OF THE FORMS OR ENDORSEMENT ; AND4 (C) T HE INTERNET ADDRESS AT WHICH THE FORMS OR5 ENDORSEMENT IS POSTED.6 (b) T HIS SUBSECTION (13) DOES NOT AFFECT THE TIMING OR7 CONTENT OF ANY DISCLOSURE OR DOCUMENT REQUIRED TO BE PROVIDED8 OR MADE AVAILABLE TO ANY COVERED PERSON UNDER APPLICABLE LAW .9 (14) O N OR BEFORE JANUARY 1, 2026, THE COMMISSIONER SHALL10 ADOPT RULES TO IMPLEMENT THIS SECTION , INCLUDING RULES THAT11 REQUIRE EACH CARRIER THAT PROVIDES A HEALTH COVERAGE PLAN TO :12 (a) I SSUE A STANDARDIZED WRITTEN OR ELECTRONIC CARD13 CONTAINING NECESSARY PLAN INFORMATION TO EACH COVERED PERSON ;14 AND15 (b) I SSUE A WRITTEN VERSION OF THE CARD CONTAINING THE16 REQUIRED INFORMATION TO A COVERED PERSON UPON THE COVERED17 PERSON'S REQUEST.18 SECTION 2. Act subject to petition - effective date -19 applicability. (1) This act takes effect January 1, 2026; except that, if a20 referendum petition is filed pursuant to section 1 (3) of article V of the21 state constitution against this act or an item, section, or part of this act22 within the ninety-day period after final adjournment of the general23 assembly, then the act, item, section, or part will not take effect unless24 approved by the people at the general election to be held in November25 2026 and, in such case, will take effect January 1, 2026, or on the date of26 the official declaration of the vote thereon by the governor, whichever is27 SB25-010 -11- later.1 (2) This act applies to conduct occurring on or after the applicable2 effective date of this act.3 SB25-010 -12-