State RegulationsCO specificDifficulty 1/5
In Colorado sickness and accident insurance, unfair discrimination means treating differently individuals who are:
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
For sickness and accident coverage, C.R.S. § 10-3-1104(1)(f) sets the unfair-discrimination standard as individuals of the same class and essentially the same hazard. Different hazards and different classes support different rates, but splitting two people who share a class and hazard is prohibited discrimination. Colorado uses a separate test for life insurance — equal expectation of life.
Why the other options are wrong
- A) Different ages mapped to different tiers reflect class differences the statute allows.
- B) Different occupational classes carry different hazards, so differential treatment is lawful.
- C) Group and individual contracts operate under distinct frameworks; the statute's test compares similarly situated individuals.
Memory hook
Health discrimination tracks hazards; life discrimination tracks life expectancy (§ 10-3-1104(1)(f)).