The Colorado Division of Insurance issued cease and desist orders for Trinity Healthshare and Aliera Healthcare on Aug. 12. Trinity represents itself as a health care sharing ministry. Aliera is the administrator, marketer and program manager for Trinity.
According to a DOI news release, the division acted because of concerns about these companies and their interactions with Colorado consumers. Over the past few months, the DOI has received a number of complaints from consumers regarding these companies. The DOI is concerned that they may be using misleading marketing practices, blurring the lines between health insurance that complies with the requirements of the Affordable Care Act (ACA) and non-compliant insurance (like what is offered by health care sharing ministries, such as these companies). Because of this, the companies may be putting consumers at risk and violating Colorado insurance law.
The orders require the companies to immediately cease and desist conducting insurance business in Colorado. However, the DOI has included provisions in the orders to protect Colorado consumers who are members of the health care sharing programs offered by these entities, requiring that the companies honor and maintain any existing contracts, plans or policies with Colorado businesses and consumers until the Commissioner of Insurance releases them from this obligation.
Washington State and Texas have also issued cease and desist orders against Trinity and Aliera.
If you or your patients have had problems with either of these companies, please contact the DOI to let them know and to find out what recourse may be available. Contact the DOI at 303-894-7490 / 1-800-930-3745 (outside of the Denver metro area) / or email DORA_insurance@state.co.us.
For more information, read a thorough blog post by the Colorado Health Institute.