Group health, explained

• Do You Have to Offer Health Insurance in Colorado

  Colorado puts the small group duty on the carrier. Two employer duties exist, both conditional on already having a plan. The federal rule is a condition.

• Do You Have to Offer Health Insurance in Illinois

  No Illinois statute read here makes a private employer offer health coverage — but the negative is narrow, and public employers are a different answer.

• Do You Have to Offer Health Insurance in Florida

  No Florida statute requires a private employer to offer health coverage — but that sentence alone is too broad. Here is the scope, read section by section.

• Do You Have to Offer Health Insurance in Kentucky

  Kentucky sets a small-employer band for the insurance market, not a duty to offer coverage. The state line and the federal line are separate counts.

• Do You Have to Offer Health Insurance in South Carolina

  No South Carolina statute commands an employer to offer coverage. What the state does instead, what federal law actually says, and the duty that is real.

• Do You Have to Offer Health Insurance in Indiana

  No Indiana statute makes a private employer offer coverage, and the federal provision is a conditional payment, not a command. Two lines, two authorities.

• Do You Have to Offer Health Insurance in Ohio

  No Ohio statute read here makes a private employer offer coverage, and the federal provision is a tax trigger. What attaches the moment you do offer.

• Do You Have to Offer Health Insurance in Tennessee

  Whether Tennessee law imposes a duty on a private employer could not be affirmed either way. Here is what was sought, and what the federal section does.

• Do You Have to Offer Health Insurance in Texas

  Texas Insurance Code Chapter 1501 answers this in its own words, and the federal employer provisions answer a different question. Both, with citations.

• Do You Need a Local Broker for Group Health in Indiana

  Indiana employers search for a benefits broker by city, not by state. What that says about the question, and what actually changes the answer you get.

• Does Your Business Have to Be Based in Florida

  Yes. Both limbs of Florida’s small-employer definition require a principal place of business in Florida — a different test from the federal rating rule.

• Does Your County Change What You Pay in Colorado

  Colorado lets a small group rate vary by geographic rating area, and those areas are drawn on whole counties. What your county does and does not decide.

• Does Your County Change What You Pay in Illinois

  Illinois builds all 13 small-group rating areas from whole counties, and your business address — not where employees live — decides which one applies.

• Does Your County Change What You Pay in Indiana

  Indiana’s small-group rating areas are drawn on county lines, and the federal rule reads one address — your principal business address — to pick yours.

• Does Your County Change What You Pay in Kentucky

  Kentucky draws its group health rating areas on county lines, and federal rule reads a small group’s area off the employer’s principal business address.

• Does Your County Change What You Pay in Florida

  Florida has 67 rating areas and 67 counties, one each. How your county sets your rating geography, and why the Keys are not the exception you expect.

• Does Your County Change What You Pay in Ohio

  Ohio draws its small-group rating areas on county lines, and your principal business address is what puts your group in one. Here is how that works.

• Does Your County Change What You Pay in Tennessee

  Tennessee builds its small-group rating areas out of counties. How the county rule works, which address decides it, and the city the line runs through.

• Does Your County Change What You Pay in South Carolina

  South Carolina draws one rating area per county — all 46 of them. Which county counts, why four big markets span several, and what the rule actually says.

• Does Your County Change What You Pay in Texas

  Texas rating areas are drawn on counties, and the area follows your principal business address — not the city on your letterhead.

• How Do You Change Group Health Brokers in Colorado

  Colorado law names the broker on your plan the producer of record. Where that status lives, who records a change to it, and what is actually filed.

• How Do You Change Group Health Brokers in Indiana

  Changing brokers changes who services your Indiana group plan, not the plan itself. Here is what moves, what stays put, and what to ask before you sign.

• How Do You Change Group Health Brokers in Florida

  Changing the agent on a Florida group plan: which agency licenses them, which one takes complaints, and the duties that do not move when your agent does.

• How Do You Change Group Health Brokers in Illinois

  What a broker change touches in Illinois and what it cannot: the four factors that set your rate, your rating area, and the duty that stays with you.

• How Do You Change Group Health Brokers in Kentucky

  Changing the agency on a Kentucky group health plan: what the carrier decides, what the commissioner must approve first, and what the old agency keeps.

• How Do You Change Group Health Brokers in South Carolina

  Changing group health brokers in South Carolina: what moves, what stays with the policy, who regulates brokers, and what state law forbids an agent to do.

• How Do You Change Group Health Brokers in Ohio

  Changing the agency on an Ohio group health plan runs through the carrier, not the State. Here is what Ohio law does govern, and what actually moves.

• How Do You Change Group Health Brokers in Tennessee

  Changing brokers does not change your plan, your issuer or your price. Here is what actually moves, and the Tennessee regulator behind the license.

• How Do You Change Group Health Brokers in Texas

  What Texas law actually governs when you move the agent on a group health plan, what it protects, and which part is the carrier’s own process.

• How Do You Compare Two Group Health Proposals in Colorado

  Federal law already forced both Colorado issuers into the same comparison document. Here is how to use it, and what it deliberately leaves out.

• How Do You Compare Two Group Health Proposals in Florida

  Florida law fixes the rating method, the geography and much of the benefit floor for both proposals — so compare the things the statute leaves open.

• How Do You Compare Two Group Health Proposals in Illinois

  Two Illinois group health proposals share the same rating factors, risk pool and mandates. The real differences are network, plan design and funding.

• How Do You Compare Two Group Health Proposals in Indiana

  Compare the two Summaries of Benefits and Coverage: federal rules forced both into one shape. First settle whether both proposals are the same product.

• How Do You Compare Two Group Health Proposals in Kentucky

  Two Kentucky small-group proposals can rest on different funding shapes. Compare the basis, the network and service area, and what state law settles.

• How Do You Compare Two Group Health Proposals in Ohio

  Read two Ohio small-group proposals on structure first — funding shape, which rules reach them, network, metal level and who issues the ancillary lines.

• How Do You Compare Two Group Health Proposals in South Carolina

  South Carolina law already fixes much of what two small-group proposals can say. Here is where the two are genuinely free to differ, and what to ask.

• How Do You Compare Two Group Health Proposals in Tennessee

  Federal rules fix what two Tennessee proposals can differ on. Compare the per-employee line, the funding shape, participation terms and the benefit set.

• How Do You Compare Two Group Health Proposals in Texas

  Compare two Texas small group proposals on the document federal law already standardized — the SBC — then on network, funding shape and what Texas decides.

• How Do You Get a Group Health Quote in Colorado

  Who is legally allowed to quote a Colorado group health plan, what they must disclose about being paid, and why the options you see are the ones you see.

• How Do You Get a Group Health Quote in Florida

  What a Florida group health quote needs from you, which agency licenses the agent, and which one regulates the insurance company.

• How Do You Get a Group Health Quote in Illinois

  An Illinois group quote starts with a headcount test the state applies twice, a business address, and a closed federal list of things a rate may vary on.

• How Do You Get a Group Health Quote in Indiana

  What a carrier needs before a number exists, how Indiana’s own counting rule builds the census, and the two conditions that sit beside guaranteed issue.

• How Do You Get a Group Health Quote in Kentucky

  What has to be true before a Kentucky group health number exists: the Health line of authority, the approved appointment, the census, and the start date.

• How Do You Get a Group Health Quote in Ohio

  Who may lawfully bring an Ohio employer a group health number, what Ohio’s code makes the carrier disclose alongside it, and when coverage can start.

• How Do You Get a Group Health Quote in South Carolina

  What a South Carolina small group quote is actually built from, which statute measures your headcount, and how to verify the license of whoever sends it.

• How Do You Get a Group Health Quote in Tennessee

  A Tennessee group health quote comes from a licensed agent or issuer, not a state portal. What decides the rulebook, and who reviewed the number first.

• How Do You Get a Group Health Quote in Texas

  Texas routes small employer plans through licensed agents by statute, and an agent can quote only the issuers that have appointed them. What that changes.

• How Do You Set Up a First Group Health Plan in Colorado

  The order Colorado’s insurance code puts a first group health plan in, from the small-employer test to the carrier’s duty to issue.

• How Do You Set Up a First Group Health Plan in Florida

  Florida’s small-employer test starts with your principal place of business. What § 627.6699 requires, what guaranteed issue covers, and what you decide.

• How Do You Set Up a First Group Health Plan in Illinois

  Illinois doesn’t make a private employer offer coverage — but it attaches a written disclosure duty the moment you do, enforced by the Department of Labor.

• How Do You Set Up a First Group Health Plan in Indiana

  The order a first Indiana group plan runs in: eligibility, census, quotes, funding shape, contribution, a Section 125 document, enrollment, effective date.

• How Do You Set Up a First Group Health Plan in Ohio

  The order a first Ohio group plan actually goes in — the counting tests, funding shape, the disclosures Ohio requires, and the written plan.

• How Do You Set Up a First Group Health Plan in Kentucky

  The order a first Kentucky group health plan goes together in: the small-employer test, funding shape, the insurer’s duty to accept, and renewal.

• How Do You Set Up a First Group Health Plan in South Carolina

  South Carolina never built a state exchange. What a first group health plan takes here, from the §38-71-1360 offer duty to SHOP and participation rules.

• How Do You Set Up a First Group Health Plan in Tennessee

  Tennessee runs no marketplace of its own, so a first group plan is placed in the private small-group market. What that changes, step by step.

• How Do You Set Up a First Group Health Plan in Texas

  The statutory order for a first Texas group health plan: small employer status, the plan itself, the issuer duty, enrollment windows and waiting periods.

• How Long a Dependent Child Stays on Your Plan in Ohio

  Your plan sets the limiting age, not Ohio. What Ohio Revised Code 3923.24 and 1751.14 say about when a dependent child’s coverage may end.

• How Many Employees Do You Need for a Group Plan in Colorado

  Colorado’s small employer band is one to fifty eligible employees, and one employee is inside it. What the statute measures, and what it asks you to prove.

• How Many Employees Do You Need for a Group Plan in Florida

  Florida’s small-employer band runs from one employee to 50, and it adds a principal-place-of-business test. The federal 50 line is a different rule.

• How Many Employees Do You Need for a Group Plan in Illinois

  Illinois sets its small-group floor at two employees and tests it twice. Here is the statute, the counting rules, and the separate federal line.

• How Many Employees Do You Need for a Group Plan in Indiana

  Indiana’s small employer band, the subsection that says something different, and the counting rule an insurer has to apply the same way every time.

• How Many Employees Do You Need for a Group Plan in Kentucky

  Kentucky’s small-employer floor is two employees, and KRS 304.17A-005(44) tests it twice: a preceding-year average and a first-day-of-plan-year count.

• How Many Employees Do You Need for a Group Plan in South Carolina

  South Carolina keeps three small-employer headcounts in one chapter of its insurance code, and a separate federal line sits beside them. Which one applies?

• How Many Employees Do You Need for a Group Plan in Ohio

  Ohio’s small-employer chapter asks two questions about the employer and a third about the plan — and they do not count the same people. Here is each one.

• How Many Employees Do You Need for a Group Plan in Tennessee

  Tennessee runs its small-group market on the federal small-employer definition, and its insurance regulator put that choice in writing in a 2015 bulletin.

• How Many Employees Do You Need for a Group Plan in Texas

  Texas runs two tests, not one: an average across last year’s business days and a headcount on the first day of the plan year. Both have to be met.

• How Much Does Group Health Insurance Cost in Colorado

  The one published Colorado small-group average, the three qualifiers attached to it, and why a survey figure is not a quote for your own group.

• How Much Does Group Health Insurance Cost in Florida

  What the federal MEPS-IC survey publishes for Florida small firms, what those figures are not, and the Florida rules that decide how a rate is built.

• How Much Does Group Health Insurance Cost in Illinois

  The one survey figure published for Illinois small-firm coverage, the three qualifiers it carries, and the closed list of factors that set a real rate.

• How Much Does Group Health Insurance Cost in Indiana

  The Indiana figures that exist, read with the qualifiers their publisher attached, and the four factors a small-group rate is allowed to vary on.

• How Much Does Group Health Insurance Cost in Kentucky

  What the federal MEPS-IC survey publishes for Kentucky small-firm coverage, what those averages leave out, and what a small-group rate may vary on.

• How Much Does Group Health Insurance Cost in Ohio

  What the federal survey publishes for Ohio small firms, what that average does not mean, and why no honest source prices your own group in advance.

• How Much Does Group Health Insurance Cost in South Carolina

  What the federal employer survey publishes for South Carolina small firms, what each figure does not mean, and how the state’s rating machinery works.

• How Much Does Group Health Insurance Cost in Tennessee

  What the 2025 federal survey reports for Tennessee small firms, the qualifiers those figures carry, and the closed list a Tennessee rate can move on.

• How Much Does Group Health Insurance Cost in Texas

  The only published Texas small-group premium average, what it is conditioned on, and why a survey figure is never a quote for your business.

• How Much of the Premium Does an Employer Pay in Colorado

  Colorado’s published survey data reports the employee share of a small group premium. What that leaves the employer, and who actually sets the split.

• How Much of the Premium Does an Employer Pay in Florida

  No source publishes a Florida employer share. The federal survey measures the employee side — here is what it reports, and what sets the split.

• How Much of the Premium Does an Employer Pay in Illinois

  The federal survey that measures Illinois small-group coverage reports the employee side and no employer share. Here is what it does publish, and why.

• How Much of the Premium Does an Employer Pay in Indiana

  What Indiana employers pay toward a group health premium, what the federal survey actually publishes for the state, and who sets the requirement.

• How Much of the Premium Does an Employer Pay in Kentucky

  Kentucky law leaves the employer share to the insurer. What the Insurance Code actually sets, where contribution appears by name, and what to ask.

• How Much of the Premium Does an Employer Pay in Ohio

  What MEPS-IC actually publishes about the employer and employee split in Ohio small groups, and why no employer share appears here.

• How Much of the Premium Does an Employer Pay in South Carolina

  The federal survey that publishes South Carolina reports the employee side of the premium and never the employer side. Here is what it does say, and why.

• How Much of the Premium Does an Employer Pay in Tennessee

  No published source reports an employer share for Tennessee small groups. Here is what the federal survey does report, and what sets a contribution.

• How Much of the Premium Does an Employer Pay in Texas

  Texas employers pay what employees do not. The federal survey publishes the employee side of the split only, and Texas law leaves the share to the issuer.

• What a Group Health Plan Is and How It Works in Colorado

  Who the parties are, what makes coverage a Colorado small group plan, and which rules follow the plan once the employer signs for it.

• What a Group Health Plan Is and How It Works in Illinois

  How group coverage works for an Illinois employer: a two-employee floor tested twice, the duty that starts when you offer, and what a policy must cover.

• What a Group Health Plan Is and How It Works in Indiana

  Who the parties are, what the business has to decide, what happens every month, and where an Indiana plan sits against the federal marketplace.

• What a Group Health Plan Is and How It Works in Kentucky

  How Kentucky law defines a group health plan, who holds the contract, what an issuer must accept, and what happens month to month once coverage starts.

• What a Group Health Plan Is and How It Works in Ohio

  Who the parties are in an Ohio group health plan, who carries the claims risk, what the network decides, and what the employer is actually buying.

• What a Group Health Plan Is and How It Works in Florida

  Group health for Florida employers: the principal-place-of-business test, what the state statute really regulates, and what you actually choose.

• What a Group Health Plan Is and How It Works in South Carolina

  A group health plan is one policy the employer holds. How that works in South Carolina, what state law does and doesn’t require, and who the rules bind.

• What a Group Health Plan Is and How It Works in Texas

  What makes a plan a Texas small employer health benefit plan, who the parties are, and which federal rules attach once it is one.

• What a Group Health Plan Is and How It Works in Tennessee

  A group health plan in plain terms: who holds the policy, where Tennessee’s small-employer line sits, and what a federally facilitated state means.

• What a Small Employer Health Care Alliance Is in Ohio

  An Ohio alliance is a certificated purchasing structure, not an insurer. The statutory test, who grants the certificate, and what an alliance may not do.

• What an Employer Purchasing Cooperative Is in Texas

  Texas lets employers form a nonprofit cooperative to buy health coverage together. What the statute creates, who may form one, and what it is not.

• What Can an Insurer Use to Rate Your Group in Colorado

  Colorado fixes the case characteristics a small group premium may vary by, and closes the list against every other factor by name.

• What Can an Insurer Use to Rate Your Group in Florida

  Florida’s modified community rating statute and the federal small-group rule list different factors. Both texts, quoted with their dates, side by side.

• What Can an Insurer Use to Rate Your Group in Illinois

  Four factors and a federal sentence that closes the list: what an issuer may use to rate an Illinois small group, and the Act that no longer applies.

• What Can an Insurer Use to Rate Your Group in Kentucky

  What Kentucky law affirms about small-group rating: rates filed before use, a statutory rate guarantee, and health-status rules an insurer cannot set.

• What Can an Insurer Use to Rate Your Group in Indiana

  Indiana’s rating law is written as a carve-out, not a list. Here is what the statute forbids, what the federal rule permits, and where they differ.

• What Can an Insurer Use to Rate Your Group in Ohio

  The closed list of things that can move a fully-insured Ohio small-group rate, the Ohio statute that sounds on point and is not, and what Ohio sets itself.

• What Can an Insurer Use to Rate Your Group in South Carolina

  Two instruments answer this in South Carolina and they name different factor lists. Both are on the books. Here is what each one says, with dates.

• What Can an Insurer Use to Rate Your Group in Tennessee

  Small-group rates in Tennessee vary on a closed federal list of factors, and the regulation says in its own words that nothing else may be used.

• What Can an Insurer Use to Rate Your Group in Texas

  What Texas law lets a small group insurer rate on: class of business, the index rate, the statutory case characteristics, and the federal list underneath.

• What Does a Group Health Broker Actually Do in Colorado

  Colorado law defines the license, the line of authority, who the producer represents, and what must be disclosed to you about how the producer gets paid.

• What Does a Group Health Broker Actually Do in Florida

  Florida splits insurance oversight between OIR and DFS. Which licenses your agent and which regulates the insurer tells you what a broker is really for.

• What Does a Group Health Broker Actually Do in Illinois

  In Illinois the price levers are federally closed and the rating statute is switched off. What that leaves a group health broker to actually do for you.

• What Does a Group Health Broker Actually Do in Indiana

  The work a group health broker does for an Indiana employer, what the rating rules mean they cannot do, and the question to ask about how they are paid.

• What Does a Group Health Broker Actually Do in Kentucky

  Kentucky defines the work in statute: a licensed act, a line of authority called Health, an appointment the commissioner approves, a separate license.

• What Does a Group Health Broker Actually Do in Ohio

  Ohio defines the work rather than describing it. What negotiating insurance means in Ohio law, the line of authority it takes, and what the license gates.

• What Does a Group Health Broker Actually Do in South Carolina

  South Carolina writes down what an agent selling small-group coverage may and may not do. The statute, the regulator, and what to expect from a broker.

• What Does a Group Health Broker Actually Do in Tennessee

  In Tennessee the regulator is a division inside a wider department, and rates are filed for approval before you see them. Both shape what a broker can do.

• What Does a Group Health Broker Actually Do in Texas

  In Texas the answer is partly statutory: a required license, a required appointment, a duty to explain on request, and a disclosure rule with teeth.

• What Get Covered Illinois Is and Who It Covers

  Get Covered Illinois is the state-based marketplace the Illinois Department of Insurance runs. Who it covers, and what its own pages leave unstated.

• What Happens to Coverage When an Employee Leaves in Florida

  Florida’s continuation law puts the notices on the carrier, not the employer — and it runs only below the federal COBRA line. Here is how it works.

• What Kentucky’s Exchange Rules Still Say About Small Groups

  Kentucky’s SHOP purchasing channel is closed, but Title 900, Chapter 010 is current law and its small-group eligibility and review rules still stand.

• What No Medicaid Expansion Means for Employees in South Carolina

  South Carolina has not adopted the ACA Medicaid expansion. What that verified status does, and does not, tell a small employer weighing a group plan.

• What State Law Requires a Group Plan to Cover in Colorado

  Colorado writes its coverage requirements into C.R.S. § 10-16-104 and its companion sections. What they reach, and why some of them wait on a condition.

• What State Law Requires a Group Plan to Cover in Florida

  Florida’s group mandates read as written: definitions that narrow headings, offer mandates that are not coverage, and one scope rule over all of them.

• What State Law Requires a Group Plan to Cover in Illinois

  Illinois writes many coverage duties into group policies: spread across four bodies of law, gated at the door, and changing between quote and renewal.

• What State Law Requires a Group Plan to Cover in Indiana

  Indiana benefit mandates that reach a group policy, the three shapes those statutes take, and why a chapter heading does not settle what is covered.

• What State Law Requires a Group Plan to Cover in Kentucky

  Kentucky writes coverage requirements into its own insurance code, and a dated clause at KRS 304.17A-099(2) can switch one of them off. Here is how.

• What State Law Requires a Group Plan to Cover in Tennessee

  Tennessee’s codified insurance compilation cannot be read by an ordinary visitor. Here is what was sought, what came back, and what is readable instead.

• What State Law Requires a Group Plan to Cover in Ohio

  Ohio’s mandates include screening duties, parity rules and outright prohibitions, with a gatekeeper section standing in front of the modern ones.

• What State Law Requires a Group Plan to Cover in South Carolina

  South Carolina’s group mandates include diabetes care and cancer screenings — and two headline mandates that exclude small-employer plans by name.

• What State Law Requires a Group Plan to Cover in Texas

  Texas mandates reach fully insured plans, and two statutory gates decide whether a mandate lands in yours. One plan shape may leave some of them out.

• What Tennessee Requires Instead of the Federal Default

  The federal default composites a group premium into two tiers. Tennessee holds a CMS-authorized alternative with four family-composition tiers.

• What the Colorado Option Is and Who It Fits

  The Colorado Option is a standardized health benefit plan the commissioner designs by rule and carriers offer. What the statute builds, and who it suits.

• What the Healthy Indiana Plan Means for Your Team

  Indiana delivers Medicaid expansion through the Healthy Indiana Plan. What its statutory conditions mean for an employer’s participation count and offer.

• What the Small Employer Reinsurance Program Is in South Carolina

  South Carolina’s Small Employer Insurer Reinsurance Program is a carrier-side mechanism no employer joins, applies to, or is assessed by. Here is why.

• Which Insurance Companies Cover Small Groups in Colorado

  Colorado’s regulator publishes its small group market by company for a plan year. What that document shows, what the marketplace list is really about.

• Which Insurance Companies Cover Small Groups in Illinois

  What an Illinois small group meets when it shops: a standalone regulator, a state-run exchange inside it, a single risk pool, county-drawn rating areas.

• Which Insurance Companies Cover Small Groups in Indiana

  A company name tells you less than the funding shape behind it. What an Indiana employer is really looking at, and the state tool you can open yourself.

• Which Insurance Companies Cover Small Groups in Florida

  What a Florida small group actually meets when it shops: guaranteed issue, one rating method, two regulators — and where the companies really differ.

• Which Insurance Companies Cover Small Groups in South Carolina

  Which companies write small-group coverage in South Carolina, and why the statute decides more about your options than any carrier name does.

• Which Insurance Companies Cover Small Groups in Kentucky

  Kentucky publishes health rate filings tagged by market segment, so an employer can see which companies are filing small-group rates in the Commonwealth.

• Which Insurance Companies Cover Small Groups in Tennessee

  What a Tennessee small group meets when it shops: the Insurance Division, a filed-and-approved rate, and the questions worth asking about a quote.

• Which Insurance Companies Cover Small Groups in Ohio

  Ohio publishes who may transact insurance business in the state. It does not publish who will write your small group. Here is why that gap matters.

• Which Insurance Companies Cover Small Groups in Texas

  Texas answers this with a route, not a roster. What the state regulator publishes by company, what the federal file shows, and the lookups you can run.

• Which Plans State Law Leaves Outside the Rules in Kentucky

  Kentucky’s insurance subtitle lists the coverage types it does not reach — and KRS 304.17A-008(1) makes that exclusion rebuttable, not absolute.

• Who Approves a Rate Before You See It in Tennessee

  Two reviewers see a Tennessee small-group rate before you do: the Insurance Division approves the filing, and CMS runs the federal ACA review.

• Who Counts as an Employee for a Group Plan in Florida

  Florida counts employees two different ways inside one definition, and which one applies to your group depends on whether your plan is grandfathered.

• Who Counts as an Employee for a Group Plan in Colorado

  Colorado defines eligible employee in its own statute, and the definition excludes people most owners assume are on the list. What the text actually says.

• Who Counts as an Employee for a Group Plan in Illinois

  Illinois counts your workforce twice under 215 ILCS 97/5, and federal law counts a different unit again. Here is who each rule actually counts.

• Who Counts as an Employee for a Group Plan in Indiana

  Indiana hands the employee count to the insurer and gives it two permitted methods. Here is how the statute says to count, and what it leaves open.

• Who Counts as an Employee for a Group Plan in Kentucky

  Kentucky counts employees, and its definitions section attaches no hours test. How the Commonwealth separates employees, dependents and leased staff.

• Who Counts as an Employee for a Group Plan in Ohio

  Ohio defines an eligible employee, not an employee — and the definition, the aggregation rule and a leased‑workforce rule each count a different group.

• Who Counts as an Employee for a Group Plan in South Carolina

  South Carolina counts group plan employees with a full-time test at § 38-71-1330(6) and no full-time-equivalent math. Here is how the count works.

• Who Counts as an Employee for a Group Plan in Tennessee

  Tennessee adopted the federal counting rule by its own election — and the count gets run twice, under two regulations, for two different purposes.

• Who Counts as an Employee for a Group Plan in Texas

  Texas uses two defined terms for two different jobs. The size band counts employees; participation and offers of coverage run on eligible employees.

• Why Did Our Group Health Renewal Go Up in Colorado

  Colorado small group rates are filed with the commissioner before they are charged, and reviewed against standards the statute names. What that means.

• Why Did Our Group Health Renewal Go Up in Illinois

  An Illinois small-group renewal can only move on four federal factors, and your group shares one risk pool with every other small group at your issuer.

• Why Did Our Group Health Renewal Go Up in Florida

  Florida holds a small-employer rate for 12 months, so a renewal increase is a renewal-date event. Here is what the statute lets a carrier move, and when.

• Why Did Our Group Health Renewal Go Up in Indiana

  An Indiana group health renewal arrives as one percentage built from separate parts. Here is what sits under it, and which parts are still yours to move.

• Why Did Our Group Health Renewal Go Up in Kentucky

  What a Kentucky group health renewal is built from: the twelve-month rate guarantee, the filed rate behind it, and a closed list of rating factors.

• Why Did Our Group Health Renewal Go Up in Ohio

  Ohio adds no rating variation of its own. What federal rule lets a small-group rate move on, and what your carrier has to disclose about changing it.

• Why Did Our Group Health Renewal Go Up in South Carolina

  A South Carolina small-group renewal increase is a sum of three named components under § 38-71-940(A)(3), each separately constrained. Here is each one.

• Why Did Our Group Health Renewal Go Up in Tennessee

  Tennessee’s rate-filing rule makes a carrier explain a revised premium item by item. Here is that list, and the two reviews behind a renewal.

• Why Did Our Group Health Renewal Go Up in Texas

  What federal rating rules, the CMS composite-premium register and survey methodology can and cannot tell a Texas employer about a renewal increase.

• Why State Law Writes So Much Into a Policy in Illinois

  Illinois coverage duties sit in separate bodies of law, one section number can hide seven duties, and a federal rule makes the State pay for some.

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