Colorado Code § 10-22-112

Health benefit exchange - referral to private insurance brokers - fees - rules
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(1) The exchange shall include the following in its protocol for interacting with
consumers in order to assist consumers in enrolling in health benefit plans: Upon a consumer's
contact with the exchange when seeking assistance in selecting a qualified health plan, whether
online or by telephone, the exchange shall inform the consumer that he or she has the option of
selecting coverage online, with the assistance of a navigator, or with the assistance of a qualified
insurance broker. The exchange shall inform the consumer that a navigator may assist with a
health benefit plan selection but may not offer advice on a health benefit plan based on the
consumer's individual situation, whereas a qualified broker may offer advice based on the
consumer's personal and family situation.
(2) The exchange shall maintain online tools that allow insurance brokers to develop and
maintain client relationships for customers who are eligible to enroll in private health benefit
plans, when appropriate, if the client requests this option.
(3) (a) An insurance broker may charge a client a fee for advising the client on the
selection of an individual health benefit plan offered on the exchange only if the broker:
(I) Will not receive a commission from the insurer offering the individual health benefit
plan selected by the client; and
(II) Provides a written disclosure to the client if the broker will charge a fee for the
service.
(b) The commissioner may promulgate rules regarding the form and manner by which an
insurance broker must provide the disclosure required by this subsection (3). The rules shall
include a prohibition on a broker charging a fee to assist a client to enroll in medicaid or the
children's basic health plan, as defined in section 25.5-8-103 (2).

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