CO| Colorado Division of Insurance Bulletin B-4.160, issued October 22, 2026, encourages carriers offering Colorado Option SilverEnhanced Savings plans through Colorado Connect to provide flexibility with initial premium (“binder”) payments for plan year 2027, when OmniSalud SilverEnhanced Savings enrollees transition from $0 premiums to a $15 monthly premium per member under Amended Regulation 4-2-83. The bulletin seeks to prevent coverage disruptions, particularly for applicants facing banking or payment-access barriers, and applies only to initial binder payments—not subsequent monthly premiums.
- Carriers are encouraged, but not required, to extend binder payment deadlines and offer accessible payment methods, such as cash or in-person payments. The Division will not take enforcement action against carriers granting additional binder payment flexibility.
- Carriers must clearly communicate binder payment requirements, options, and deadlines in accessible English and Spanish, with the information easy to find on their websites in both languages.
- Applicants remain responsible for making the required binder payment; the bulletin neither waives that obligation nor requires carriers to activate coverage without payment.