---
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).