State RegulationsFL specificDifficulty 1/5
Under Florida law, a carrier offering health coverage in the small employer market must make available:
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under Chapter 627, Florida Statutes, carriers in the small employer market must offer specified plan designs, including a basic and a standard health benefit plan, giving small employers a common benchmark for comparing coverage. The requirement prevents carriers from offering only idiosyncratic designs that cannot be compared, which is a practical protection for businesses without professional benefits staff.
Why the other options are wrong
- A) A single non-negotiable design is the opposite of the basic-and-standard plan framework Florida requires.
- C) Plans excluding all hospital and physician benefits would not satisfy Florida's small employer plan standards.
- D) Mandated benefits remain part of the small employer benefit framework; they cannot be disregarded wholesale.
Memory hook
Small employer market: basic and standard plans on the shelf.