No health status-related factors would be used in establishing classes or issuing or renewing coverage. Policies would need not be renewed if the insurer decides to discontinue a particular type of plan and follows the notification procedures. Current law generally requires these policies to be renewed with several exceptions. An insurer that elects not to offer any small group plans would be prevented from reentering that market for 5 years. All health benefit plans actively marketed by the insurer would be made available to small employers, with a minimum of at least two plans.
Current law requires two plans to be offered.
The availability requirement would not be applied to bona fide associations and purchasing alliances. Preexisting condition limits would be reduced by the period of creditable coverage if such coverage was continuous to within 63 days of the enrollment date of new coverage. Affiliation periods and waiting periods would be limited. Preexisting conditions would not be imposed for pregnancy or adoption. Special provisions would be made for network plans.