State RegulationsOH specificDifficulty 1/5
Under ORC 3924.03, the guaranteed-issue requirement for Ohio small-employer plans means the carrier:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
ORC 3924.03 requires carriers to guarantee issue of small-employer health coverage: an eligible small employer that applies must be able to obtain coverage, and the carrier may not turn the group away because its employees are sick or have run up claims. The obligation runs to the small employer as a group, and it coexists with Ohio's rating limits under ORC 3924.04 rather than mandating one identical price for all.
Why the other options are wrong
- A) Guaranteed issue operates at the small-employer group level under ORC 3924.03; it is not a promise of individual policies to each employee.
- B) Guaranteed issue concerns the offer of coverage, not the waiver of service waiting periods under ORC 3924.01.
- C) Identical premiums for all small employers is not what ORC 3924.03 requires; rating remains subject to the separate limits of ORC 3924.04.
Memory hook
Guaranteed issue: sick group or clean group — the small employer gets offered coverage.