State RegulationsCO specificDifficulty 2/5
A Colorado employee declined the employer's group health coverage during the open-enrollment period. Two months later the employee marries. What enrollment right arises under Colorado law?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Colorado's enrollment rules (C.R.S. § 10-16-105.7; Colorado Insurance Regulation 4-2-43) provide special enrollment periods when a qualifying event occurs, such as marriage, birth, adoption, or loss of other coverage. An employee who previously declined coverage may enroll outside the open-enrollment window because of the event, which is the practical purpose of special enrollment.
Why the other options are wrong
- A) That ignores special enrollment; a qualifying event reopens enrollment even after a prior declination.
- B) Enrollment is not automatic; the employee exercises the special enrollment right, typically through a timely request.
- C) Special enrollment does not impose a doubled-premium penalty for exercising the right.
Memory hook
Married, born, or coverage lost — special enrollment reopens the door.