CO · last verified 2026-05-12
Colorado — NSA dispute pathway
Ground-ambulance balance-billing law
STATE LAW APPLIES
Colo. Rev. Stat. §10-16-1407 et seq.
State IDR pathway
STATE IDR AVAILABLE
Colo. Rev. Stat. §10-16-704
ERISA self-funded plans
STATE DOI HAS NO JURISDICTION
Self-funded plans always route to Federal IDR + DOL/EBSA enforcement, regardless of state.
How Colorado fits the NSA picture
Colorado has its own ground-ambulance balance-billing protections (HB-21-1119, signed 2021). State law caps consumer cost-share at in-network levels for state-regulated plans. ERISA self-funded plans are not covered by state law.
State DOI consumer-protection entry ↗Statute: Colo. Rev. Stat. §10-16-1407 et seq.
Free first step — CMS No Surprises Help Desk
The CMS-administered consumer complaint pathway. Free, federal, and the recommended first action for any balance-billed insured patient. You have 90 calendar days from when you knew or should have known of the NSA violation to file.