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Division of Insurance Cautions Coloradans About Limited Health Insurance 

By Heidi Culbertson
February 10, 2021
2 min read

According to Burg Simpson shareholder Thomas W. Henderson, Colorado consumers need to beware of non-ACA compliant health plans. This morning Colorado’s Division of Insurance Commissioner, Michael Conway, issued a Consumer Advisory cautioning Coloradans about limited health insurance. Due to the pandemic, a special enrollment period for purchasing health insurance is now open, from February 8 to May 15, 2021. Commissioner Conway warns consumers to be careful what they are buying, and specifically to be wary of short-term plans and health care sharing ministry plans because such plans can leave consumers stuck with huge medical bills from doctors and hospitals. These kinds of plans commonly exclude coverage for pre-existing conditions. They also frequently include very limited coverage for hospitalizations, emergency rooms and prescriptions. As Commissioner Conway says in his Consumer Advisory: “My concern is the bad actors out there trying to dupe people into enrolling in these products, claiming they offer great coverage at super-low prices, all while burying the real details in the fine print.” Beware of claims that the plan provides coverage “just as good as the ACA.”

Read the Consumer Advisory here.

About Burg Simpson Shareholder Thomas W. Henderson

Burg Simpson shareholder Tom Henderson focuses his legal practice on representing policyholders in suing insurance companies for bad faith and getting insurance companies to pay what the insurance policy promises to pay. Tom spent the first 20 years of his practice representing the insurance companies, answering their questions about whether the policy provided coverage for various claims, and even defending them when they were sued. He has spent the past 12+ years of his practice exclusively representing business insurance policyholders pursuing claims for insurance benefits owed by the insurance industry.

Tom represents both individual consumers and businesses in their pursuit of insurance claims. For consumers, this includes auto, uninsured and underinsured motorists, homeowners, renters, liability, property, health, disability, and life insurance claims. For businesses, this includes auto, liability, property, lost profits, directors and officers, professional liability, and construction insurance claims. These claims can range from a few thousand dollars to millions of dollars.

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