State RegulationsFL specificDifficulty 1/5
Who is the primary category of persons eligible to be covered under a single-employer group health insurance plan issued in Florida?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Employer-based group health plans in Florida cover employees and their eligible dependents; eligibility is tied to the employment relationship, which is the risk-pooling basis for group coverage. Under Chapter 627, Florida Statutes, group health insurance is issued to the employer as policyholder for the benefit of its employee group. The general public cannot buy into a group rate, and coverage is not extended to unrelated businesses.
Why the other options are wrong
- B) Group coverage is not open to the general public at group rates; eligibility depends on membership in the employer group.
- C) Coverage is not limited to officers and directors; rank-and-file employees are equally eligible.
- D) An employer group covers its own employees, not the employees of unrelated businesses that happen to share an agent.
Memory hook
Group follows the paycheck.