Q: 10
The National Association of Insurance Commissioners (NAIC) developed the Small Group Model Act
to enable small groups to obtain accessible, yet affordable, group health benefits. The model law
limits the rate spread, which is the difference between the highest and lowest rates that a health
plan charges small groups, to a particular ratio.
According to the Model Act, for example, if the lowest rate an HMO charges a small group for a given
set of medical benefits is $40, then the maximum rate the HMO can charge for the same set of
benefits is
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