State RegulationsCO specificDifficulty 1/5
For sickness and accident insurance, C.R.S. 10-3-1104(1)(f) bars discrimination between individuals of the same class who share what additional characteristic?
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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) uses a hazard standard for health coverage: individuals of the same class and essentially the same hazard may not be charged different rates or given different terms. This differs from the life standard, which turns on equal expectation of life, and the Colorado examination tests both.
Why the other options are wrong
- A) Income level is not the statutory hazard measure for sickness and accident discrimination.
- B) Equal expectation of life is the life insurance test; the health test is essential sameness of hazard.
- D) Residency length plays no role in the discrimination analysis under this subsection.
Memory hook
Health: same class, same hazard.