US Laws, Codes, Statutes & Cases

                                  TITLE  41
                                  INSURANCE
                                  CHAPTER 47
                            SMALL EMPLOYER HEALTH
                          INSURANCE AVAILABILITY ACT
    41-4705.  ESTABLISHMENT OF CLASSES OF BUSINESS. (1) A small employer
carrier may establish a separate class of business only to reflect substantial
differences in expected claims experience or administrative costs related to
the following reasons:
    (a)  The small employer carrier uses more than one (1) type of system for
    the marketing and sale of health benefit plans to small employers;
    (b)  The small employer carrier has acquired a class of business from
    another small employer carrier; or
    (c)  The small employer carrier provides coverage to one (1) or more
    association groups that meet the requirements of section 41-2202, Idaho
    Code.
    (2)  A small employer carrier may establish up to nine (9) separate
classes of business under the provisions of subsection (1) of this section.
    (3)  The director may establish regulations to provide for a period of
transition in order for a small employer carrier to come into compliance with
the provisions of subsection (2) of this section in the instance of
acquisition of an additional class of business from another small employer
carrier.
    (4)  The director may approve the establishment of additional classes of
business upon application to the director and a finding by the director that
such action would enhance the efficiency and fairness of the small employer
marketplace.