State RegulationsFL specificDifficulty 2/5
Which statement about the benefit plans a Florida small employer carrier offers is correct?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under Chapter 627, Florida Statutes, small employer plans remain subject to Florida's health benefit standards, including the benefits the Legislature mandates for health coverage. Allowing small employer plans to strip mandated benefits would create a second-class product for small businesses, so the mandated-benefit floor applies in this market just as it does elsewhere in health insurance.
Why the other options are wrong
- B) Mandated benefits are a statutory floor, not a menu a carrier may delete to win on price.
- C) The small employer market is regulated, not exempt; its plans must meet Florida's benefit requirements.
- D) Coverage limited to accidents while excluding illness would not meet Florida's health benefit requirements for these plans.
Memory hook
Mandated benefits ride along in small employer plans.