COMPANIES OF 1-50 PEOPLE
Insurers
in the small group (1-50) market must guarantee issue all products to small employers and
accept every employee eligible for coverage.
Employers
must still meet carriers' participation and contribution requirements if the carrier
applies these rules uniformly to all employers without regard to health status or claims
experience.
H.R.3103
does not restrict what carriers may charge employer groups for coverage.
The
guaranteed issue requirement does not apply to limited coverage plans (supplemental
benefit or separate uncoordinated plans).
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