State RegulationsCO specificDifficulty 2/5
A Boulder health insurer denies coverage solely because the applicant is blind, and no actuarial justification supports the decision. Under C.R.S. § 10-3-1104(1)(f), this classification is:
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
C.R.S. § 10-3-1104(1)(f) prohibits classifying an applicant solely on blindness or physical disability unless actuarial justification exists. Denying coverage solely because an applicant is blind, with no actuarial support, is unfair discrimination that the Colorado Division of Insurance can penalize.
Why the other options are wrong
- A) The prohibition applies regardless of whether the policy is individual or group.
- B) A waiver signed by the applicant cannot authorize discrimination the statute forbids.
- D) Group status is irrelevant; the restriction applies to the insurer's underwriting classifications.
Memory hook
Blindness alone is never a rate class.