State RegulationsFL specificDifficulty 2/5
A carrier selling small employer coverage in Tampa refuses to make its plans available to a qualified small business because the carrier expects that business's workforce to generate high claims. Under Florida's small employer requirements, this refusal 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, small employer availability rules bar a carrier from offering coverage in a market while withholding it from particular small employers based on the expected health or claims of their workforces. Availability must be genuine and uniform; otherwise carriers could publicly claim to serve small businesses while privately insuring only the healthiest ones, defeating the market's core protections.
Why the other options are wrong
- A) Availability of small employer coverage is a regulated obligation, not an unrestricted commercial choice.
- B) Filing a selection policy does not authorize claims-based withholding of coverage from chosen small employers.
- C) Nothing in Florida law requires carriers to avoid high-risk employers; the rules push in the opposite direction.
Memory hook
Offer coverage to all small employers in your market, not just the healthy ones.