Florida Life and Health Insurance License Practice Test

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What is required in the Florida Employee Health Care Access Act for small group benefit plans?

  1. Low-cost options

  2. High-deductible plans

  3. Guarantee-issue basis

  4. Employee wellness programs

The correct answer is: Guarantee-issue basis

The Florida Employee Health Care Access Act requires small group benefit plans to be provided on a guarantee-issue basis, meaning that the insurance company cannot deny coverage to an individual because of pre-existing conditions or health status. Low-cost options and high-deductible plans may be available, but they are not specifically required by this act. Similarly, while employee wellness programs may be included in the benefit plans, they are not a required component under this act. Therefore, guarantee-issue basis is the only choice that accurately reflects a requirement of the Florida Employee Health Care Access Act for small group benefit plans.

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