Legislation: batch A — AK AL AR AZ CO CT DE GA HI IA ID

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

legislation/us/states/co/2020a/sb-20-176.md

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+---
+type: "Bill"
+title: "Protect Neutral Determinations In Health Insurance"
+description: "The act clarifies 2008 legislation prohibiting discretionary clauses in certain plans and insurance policies and providing for the de novo standard of review (roughly translated as \"anew\" or \"from a clean slate\") in any court by:"
+jurisdiction: "us/states/co"
+legislature: "Colorado General Assembly"
+session: "2020A"
+identifier: "SB 20-176"
+citation: "Colorado SB 20-176 (2020A)"
+classification: ["bill"]
+subjects: []
+status: "enacted"
+primary_sponsors: ["Brianna Titone", "Jessie Danielson", "Joann Ginal", "Mary Young"]
+version_count: 9
+action_count: 15
+vote_count: 4
+first_action: "2020-02-20T07:00:00+00:00"
+last_action: "2020-07-14T06:00:00+00:00"
+source: "openstates"
+source_identifier: "ocd-bill/461f75bc-d841-4441-974f-1b059815bdb0"
+source_url: "http://leg.colorado.gov/bills/sb20-176"
+source_hash: "51b045b14a1e7887b10838358caf38efbc054e60f880b98902d4f2b6ed70e794"
+vintage: "2026-07-01"
+source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
+retrieved_at: "2026-07-06"
+confidence: "reported"
+tags: ["legislation", "bill", "us-co"]
+---
+
+# Colorado SB 20-176 (2020A) — Protect Neutral Determinations In Health Insurance
+
+The act clarifies 2008 legislation prohibiting discretionary clauses in certain plans and insurance policies and providing for the de novo standard of review (roughly translated as "anew" or "from a clean slate") in any court by:
+
+## Version chain
+
+The bill's text revisions, in order — the diff chain from filing to enrollment.
+
+1. **Committee Amendment** (committee substitute) — [source](http://leg.colorado.gov/sites/default/files/2020a_sb176_h_hi_001.pdf)
+2. **Engrossed (03/03/2020)** (committee substitute) — [source](http://leg.colorado.gov/sites/default/files/documents/2020A/bills/2020a_176_eng.pdf)
+3. **Final Act (06/29/2020)** (committee substitute) — [source](http://leg.colorado.gov/sites/default/files/documents/2020A/bills/2020a_176_enr.pdf)
+4. **Introduced (02/20/2020)** (committee substitute) — [source](http://leg.colorado.gov/sites/default/files/documents/2020A/bills/2020a_176_01.pdf)
+5. **PA1 (06/11/2020)** (committee substitute) — [source](http://leg.colorado.gov/sites/default/files/documents/2020A/bills/2020a_176hi_01.pdf)
+6. **Reengrossed (03/05/2020)** (committee substitute) — [source](http://leg.colorado.gov/sites/default/files/documents/2020A/bills/2020a_176_ren.pdf)
+7. **Rerevised (06/12/2020)** (committee substitute) — [source](http://leg.colorado.gov/sites/default/files/documents/2020A/bills/2020a_176_rer.pdf)
+8. **Revised (06/10/2020)** (committee substitute) — [source](http://leg.colorado.gov/sites/default/files/documents/2020A/bills/2020a_176_rev.pdf)
+9. **Signed Act (07/14/2020)** (committee substitute) — [source](http://leg.colorado.gov/sites/default/files/2020a_176_signed.pdf)
+
+## Votes
+
+- REPASS — **35–0** (pass) · upper
+- BILL — **32–0** (pass) · upper
+- BILL — **65–0** (pass) · lower
+- CONCUR — **35–0** (pass) · upper
+
+## Sponsors
+
+- Brianna Titone — primary (person)
+- Jessie Danielson — primary (person)
+- Joann Ginal — primary (person)
+- Mary Young — primary (person)
+
+## Timeline
+
+The legislative action history — every referral, reading, and vote.
+
+- **2020-07-14T06:00:00+00:00** Governor Signed `executive-signature`
+- **2020-06-29T06:00:00+00:00** Sent to the Governor `executive-receipt`
+- **2020-06-29T06:00:00+00:00** Signed by the Speaker of the House
+- **2020-06-23T06:00:00+00:00** Signed by the President of the Senate
+- **2020-06-13T06:00:00+00:00** Senate Considered House Amendments - Result was to Concur - Repass
+- **2020-06-12T06:00:00+00:00** House Third Reading Passed - No Amendments `reading-3, passage`
+- **2020-06-11T06:00:00+00:00** House Third Reading Laid Over Daily - No Amendments
+- **2020-06-10T06:00:00+00:00** House Second Reading Special Order - Passed with Amendments - Committee
+- **2020-06-10T06:00:00+00:00** House Committee on Health & Insurance Refer Amended to House Committee of the Whole `committee-passage, referral-committee`
+- **2020-03-05T07:00:00+00:00** Introduced In House - Assigned to Health & Insurance `introduction`
+- **2020-03-05T07:00:00+00:00** Senate Third Reading Passed - No Amendments `reading-3, passage`
+- **2020-03-04T07:00:00+00:00** Senate Third Reading Laid Over Daily - No Amendments
+- **2020-03-03T07:00:00+00:00** Senate Second Reading Passed - No Amendments `reading-2`
+- **2020-02-27T07:00:00+00:00** Senate Committee on Health & Human Services Refer Unamended - Consent Calendar to Senate Committee of the Whole `committee-passage`
+- **2020-02-20T07:00:00+00:00** Introduced In Senate - Assigned to Health & Human Services `introduction`
+
+## Source
+
+OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/461f75bc-d841-4441-974f-1b059815bdb0`. Confidence: reported (aggregated from official Colorado legislature records).
+