State RegulationsCO specificDifficulty 2/5
Under C.R.S. § 10-16-105.7 and Colorado Insurance Regulation 4-2-43, when may an individual enroll in a health benefit plan outside the annual open enrollment period?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
C.R.S. § 10-16-105.7, implemented through Colorado Insurance Regulation 4-2-43, confines individual enrollment to the annual open enrollment period except when a qualifying life event — such as loss of other coverage or a comparable status change — creates a special enrollment period. The Colorado Division of Insurance regulates which events qualify and how long the resulting window lasts, so producers must verify the triggering event before marketing off-cycle enrollment.
Why the other options are wrong
- A) Enrollment is not open year-round on request; outside qualifying events, individuals must use the annual open enrollment period.
- B) Colorado law does not create quarterly enrollment windows for individual health plans.
- D) The Commissioner does not issue individual enrollment waivers; qualifying events, not discretionary waivers, open special enrollment periods.
Memory hook
Open enrollment once a year — qualifying events unlock the side door.