Bill

SB 25-196

Insurance Coverage Preventive Health-Care Services

2025 Regular Session Introduced by Judy Amabile and 40 co-sponsors

Colorado SB 25-196 requires insurers to cover preventive health-care services with no out-of-pocket costs, expanding access for adults, children, and families.

Governor Signed

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Bill Summary · SB 25-196

Summary — SB 25‑196: Insurance Coverage — Preventive Health‑Care Services

Status: Governor Signed (May 12, 2025)
Introduced: March 5, 2025
Jurisdiction: Colorado (Senate bill; sponsors are Colorado legislators)
Bill Title: Insurance Coverage Preventive Health‑Care Services

Purpose / Intent

Based on the bill title and legislative metadata, SB 25‑196 is intended to require or expand health insurance coverage for preventive health‑care services. The overall goal of such legislation typically is to increase access to preventive screenings, immunizations, counseling, and other services that detect or reduce risk of disease, reduce downstream health care costs, and improve population health.

Procedural history (key dates)

Introduced in the Senate: 2025‑03‑05 (assigned to Health & Human Services)
Passed Senate: 2025‑04‑08 (third reading)
Passed House: 2025‑04‑25 (third reading)
Signed by legislative leaders: early May 2025
Sent to Governor: 2025‑05‑02
Governor Signed: 2025‑05‑12

Key provisions (inferred from title; full text not provided)

The legislative record supplied does not include the bill text. Based on the bill title and common provisions in preventive‑services insurance laws, SB 25‑196 likely includes one or more of the following elements:
- A definition of “preventive health‑care services” (often referencing U.S. Preventive Services Task Force A/B recommendations, CDC/ACIP immunization schedules, or state public‑health guidelines).
- A requirement that state‑regulated health insurance plans cover specified preventive services.
- A prohibition on cost‑sharing (copayments, coinsurance, deductibles) for covered preventive services, at least for in‑network providers.
- Applicability across individual, small‑group, and/or large‑group market plans regulated by the state; possible carve‑outs for self‑insured ERISA plans.
- Implementation details such as effective date, enforcement mechanism, and rulemaking authority for the state insurance regulator.

Note: To confirm exact provisions and scope, consult the official bill text (SB 25‑196) on the Colorado General Assembly website.

Who is affected

Insurers and health plan administrators offering state‑regulated plans in Colorado.
People covered by those plans: adults, children, and families who would gain easier access to preventive services.
State agencies (e.g., Division of Insurance, Department of Public Health) for implementation and oversight.
Employers offering fully insured plans in the state; self‑insured employers may be affected depending on federal preemption.

Potential impacts

Increased use of preventive services (screenings, immunizations, counseling), improving early detection and public health outcomes.
Potential reduction in long‑term health care spending from avoided advanced disease, though near‑term premiums or administrative costs could change depending on coverage mandates.
Administrative updates for insurers (benefit design, claims processing, provider networks).

Next steps / Where to find full text

This summary is based on bill metadata and title only. For precise language, mandatory coverages, exemptions, effective dates, and fiscal notes, read the full enacted bill text and fiscal analysis at the Colorado General Assembly legislative website (search “SB 25‑196”).

Compiled from official sources — confirm details with the bill’s official record.