Colorado’s 10 largest sellers of individual health insurance raised rates an average of 12.9% in 2010, officials say.

New state and federal benefits mandates have contributed to the increases, along with increases in utilization, trends in underlying medical costs, and shifts in the demographics of the insureds, according to John Postolowski, Colorado’s interim insurance commissioner.

In Colorado, the new federal health care laws seem to be accounting for 0 percentage points to 5 percentage points of the rate increases requested by the typical individual health insurer, Postolowski says.

- Allison Bell