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Colorado Workers Comp Single Payer Conundrum


Colorado Workers Comp Single Payer Plan Up For Vote This Fall

The vote for Colorado Workers Comp single payer plan will occur this fall. One of the major components of a 24-hour single payer plan is that Workers Comp may no longer exist inside this type of health plan.

Logo Of Colorado Workers Comp Single Payer Graphic

Universal health care will be on the ballot in a major move by single payer advocates.  ColoradoCareYes has gathered well over the minimum 100,000 petition signature to put single payer health on the ballot.

Why is the topic covered – it may be coming to a state near you as this is akin to the Oklahoma and Texas Opt Out Plans.

While this is not federalization of Workers Comp, the plan may look  similar to ObamaComp if it ever came into existence.   Colorado has been on the forefront of many issue lately including the non-medical legalization of marijuana.

Vermont disbanded their Universal Healthcare due to the overburden to the state’s budget.   One of the striking parts of the amendment is that even if a citizen has their own healthcare policy, they would still have to pay the Colorado Care premiums – ouch!

Colorado’s Amendment 69 would also address Workers Compensation- but the medical part only.  Employers would still have to buy indemnity only Workers Comp <<guessing a little on that one.  Would Colorado allow a plan such as AFLAC to substitute for an indemnity policy?

Pinnacol Assurance of Colorado, of course, came out against measure due to the severe increase in employer taxes.   Pinnacol functioned as a monopolistic type fund in Colorado for many years but then was privatized over the last decade.

Vector Colorado Workers Comp Single Payer Employer

If Amendment 69 is voted in, then it will be an interesting time in Colorado at the end of this year.  All eyes will be on Colorado from both the healthcare and workers compensation industry.  The Colorado Workers Comp single payer conundrum will be in an operational mode.

How would a WC carrier write an indemnity only policy and how would they control the medical treatment that the indemnity payments center on for an injured employee?  There are so many WC questions with no answers.

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James J Moore - Workers Comp Expert

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Management Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications


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