SB 25-010
Fiscal Note
Legislative Council Staff
Nonpartisan Services for Colorado’s Legislature
SB 25-010: ELECTRONIC COMMUNICATIONS IN HEALTH CARE
Prime Sponsors:
Sen. Mullica; Pelton B.
Rep. Brown
Published for: Senate Health & Human Services
Drafting number: LLS 25-0311
Fiscal Analyst:
Kristine McLaughlin, 303-866-4776
kristine.mclaughlin@coleg.gov
Version: Initial Fiscal Note
Date: January 23, 2025
Fiscal note status: The fiscal note reflects the introduced bill
Summary Information
Overview. The bill specifies that insurance documents are subject to the Uniform Electronic Transactions
Act and places additional requirements on insurance carriers seeking consent for electronic
communications.
Types of impacts. The bill is projected to affect the following areas on a one-time basis:
Minimal State Workload
Appropriations. No appropriation is required.
Table 1
State Fiscal Impacts
Type of Impact
Budget Year
FY 2025-26
Out Year
FY 2026-27
State Revenue $0 $0
State Expenditures $0 $0
Transferred Funds $0 $0
Change in TABOR Refunds $0 $0
Change in State FTE 0.0 FTE 0.0 FTE
Page 2
January 23, 2025 SB 25-010
Summary of Legislation
The bill specifies that insurance documents can be handled electronically under the rules of the
"Uniform Electronic Transactions Act." The bill places additional requirements on the electronic
communication consent process for insurance documents, including requiring that:
carriers obtain informed consent from recipients;
carriers communicate specific information to recipients prior to consent;
carriers obtain separate consent to post certain documents publically; and
employers who contract with insurance carriers on behalf of their employees consent only if
they use electronic communications in the course of business.
The commissioner of the Division of Insurance in the Department of Regulatory Agencies must
adopt rules to implement these provisions by January 1, 2026.
Background
The Colorado Uniform Electronic Transactions Act was enacted in 2002 and modeled after the
federal act of the same name. It gives electronic signatures and records the same legal status as
paper-based ones and sets standards for document notarization, security, retention, and
transferability standards, among other things.
State Expenditures
Starting in FY 2025-26, the bill minimally increases workload in the Department of Regulatory
Agencies to promulgate rules around electronic communications for insurance documents. The
department may require legal counsel, provided by the Department of Law, related to
rulemaking and implementation. This workload is expected to be minimal and no change in
appropriations is required.
Effective Date
The bill takes effect 90 days following adjournment of the General Assembly sine die, assuming
no referendum petition is filed.
State and Local Government Contacts
Health Care Policy and Financing
Information Technology
Law
Regulatory Agencies
The revenue and expenditure impacts in this fiscal note represent changes from current law under the bill for each
fiscal year. For additional information about fiscal notes, please visit the General Assembly website.