State RegulationsOH specificDifficulty 2/5
An Ohio insurer declines to issue health coverage to an applicant solely because the applicant has been a victim of domestic violence. Under Ohio law, this action is:
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
ORC 3901.21 expressly prohibits refusing, limiting, or rate-surcharging life or health coverage because the applicant is or has been a victim of domestic violence. Victim status may never be used as an underwriting trigger in Ohio, and no documentation or supervisory approval can convert the refusal into a lawful act.
Why the other options are wrong
- A) Documenting the refusal does not authorize it; the statute bans the basis of the decision itself, not merely undocumented decisions.
- C) The Superintendent's approval is not a pathway around the ban; the practice is prohibited outright under ORC 3901.21.
- D) Offering different coverage does not cure the refusal; the prohibition targets using victim status as the reason for refusing or limiting coverage.
Memory hook
Victim status is never a rating trigger in Ohio.