If you are living in Colorado and uninsured or unhappy with your current health coverage, you'll have several options depending on your income and needs: Option 1: Colorado Medicaid; Option 2: Health Insurance Marketplace; Option 3: Buy Insurance Outside the Marketplace.

State law specifies which factors an insurance company can review in order to adjust health care premiums each year. These "rating factors" vary in each of Colorado's three insurance markets large group, small group and individual. Companies adjust premiums according to the way the factors affect a particular employer or individual.

The legislation addressed consumer concerns regarding out-of-network doctors and ancillary service providers who worked at in-network facilities, and billed patients for any amount not paid by the patient's managed care plan. The out-of-network provider would "balance bill" the consumer for any charges not reimbursed by the managed care plan.