Requirements and Law

What state law actually requires of a small-employer health plan, cited to the operative provision rather than summarized.

• 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.

• 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.

• 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 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 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 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 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.

• 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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