Summary
Colorado’s first-in-the-nation insurance antidiscrimination law that restricts insurers’ use of external consumer data and information sources, algorithms, and predictive models, prohibiting unfair discrimination based on protected characteristics and requiring the Insurance Commissioner to adopt rules for specific lines of insurance that mandate testing, documentation, and governance of these models.
Healthcare Implications
Applies to health insurers’ use of external consumer data and algorithmic or AI-driven models for underwriting, pricing, marketing, and claims, pushing plans to implement governance and quantitative testing to show their models do not unfairly discriminate against protected groups; this can shape how AI-enabled risk scores, fraud analytics, and benefit design tools are built, validated, and monitored in Colorado’s health insurance market, with downstream implications for access, affordability, and equity in coverage.