State RegulationsFL specificDifficulty 2/5
A Florida insurer markets its small employer plans only to businesses with young, healthy workforces and avoids contacting businesses whose employees tend to be older. Under Florida's fair marketing standards, this practice is:
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under Chapter 627, Florida Statutes, and the unfair discrimination standards enforced by the Department of Financial Services, a carrier may not steer its small employer marketing to favor groups based on the age or expected health of their workforces. Marketing is part of the availability framework: if carriers could funnel coverage only to the healthiest businesses, the small employer protections would collapse for the employers who need them most.
Why the other options are wrong
- A) Marketing choices are regulated conduct in insurance; targeting that avoids older or less healthy workforces is unfair discrimination, not a free commercial choice.
- B) Filing a targeting policy with the DFS does not legalize discriminatory marketing of coverage.
- C) Florida requires no separate plans by workforce age, and using age to select marketing targets is the opposite of what the standards allow.
Memory hook
Cherry-picking marketing targets by workforce health is discrimination.