State RegulationsCO specificDifficulty 3/5
A Colorado health insurer declines an applicant solely because the applicant is blind, offering no actuarial justification for the decision. Under C.R.S. § 10-3-1104(1)(f), this decision is:
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
C.R.S. § 10-3-1104(1)(f) expressly prohibits classifying individuals solely on blindness or physical disability unless the insurer can show actuarial justification. A declination resting solely on blindness with no actuarial support is unfair discrimination; consistent application of an unjustified rule does not cure it, and the Division does not pre-approve declinations.
Why the other options are wrong
- A) Physical disability is singled out by the statute; it is not automatically a valid underwriting basis.
- B) Uniform application of a prohibited classification is still prohibited; the statute requires actuarial justification, not consistency.
- C) The Division does not require or approve disability declinations; approval is not the source of the rule.
Memory hook
Blindness alone is never the answer — actuarial justification or nothing.