Rhode Island 2025 Regular Session

Rhode Island House Bill H5418 Compare Versions

Only one version of the bill is available at this time.

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5	5	2025 -- H 5418
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7	7	LC001085
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9	9	S T A T E O F R H O D E I S L A N D
10	10	IN GENERAL ASSEMBLY
11	11	JANUARY SESSION, A.D. 2025
12	12	____________
13	13
14	14	A N A C T
15	15	RELATING TO INSURANCE -- SMALL EMPLOYER HEALTH INSURANCE
16	16	AVAILABILITY ACT
17	17	Introduced By: Representatives Nardone, Santucci, Paplauskas, Quattrocchi, Hull,
18	18	Cortvriend, and Place
19	19	Date Introduced: February 12, 2025
20	20	Referred To: House Corporations
21	21
22	22
23	23	It is enacted by the General Assembly as follows:
24	24	SECTION 1. Section 27-50-3 of the General Laws in Chapter 27-50 entitled "Small 1
25	25	Employer Health Insurance Availability Act" is hereby amended to read as follows: 2
26	26	27-50-3. Definitions. 3
27	27	(a) “Actuarial certification” means a written statement signed by a member of the American 4
28	28	Academy of Actuaries or other individual acceptable to the director that a small employer carrier 5
29	29	is in compliance with the provisions of § 27-50-5, based upon the person’s examination and 6
30	30	including a review of the appropriate records and the actuarial assumptions and methods used by 7
31	31	the small employer carrier in establishing premium rates for applicable health benefit plans. 8
32	32	(b) “Adjusted community rating” means a method used to develop a carrier’s premium that 9
33	33	spreads financial risk across the carrier’s entire small group population in accordance with the 10
34	34	requirements in § 27-50-5. 11
35	35	(c) “Affiliate” or “affiliated” means any entity or person who directly or indirectly through 12
36	36	one or more intermediaries controls or is controlled by, or is under common control with, a specified 13
37	37	entity or person. 14
38	38	(d) “Affiliation period” means a period of time that must expire before health insurance 15
39	39	coverage provided by a carrier becomes effective, and during which the carrier is not required to 16
40	40	provide benefits. 17
41	41	(e) “Bona fide association” means, with respect to health benefit plans offered in this state, 18
42	42
43	43
44	44	LC001085 - Page 2 of 11
45	45	an association that: 1
46	46	(1) Has been actively in existence for at least five (5) years; 2
47	47	(2) Has been formed and maintained in good faith for purposes other than obtaining 3
48	48	insurance; 4
49	49	(3) Does not condition membership in the association on any health status-related factor 5
50	50	relating to an individual (including an employee of an employer or a dependent of an employee); 6
51	51	(4) Makes health insurance coverage offered through the association available to all 7
52	52	members regardless of any health status-related factor relating to those members (or individuals 8
53	53	eligible for coverage through a member); 9
54	54	(5) Does not make health insurance coverage offered through the association available 10
55	55	other than in connection with a member of the association; 11
56	56	(6) Is composed of persons having a common interest or calling; 12
57	57	(7) Has a constitution and bylaws; and 13
58	58	(8) Meets any additional requirements that the director may prescribe by regulation. 14
59	59	(f) “Carrier” or “small employer carrier” means all entities licensed, or required to be 15
60	60	licensed, in this state that offer health benefit plans covering eligible employees of one or more 16
61	61	small employers pursuant to this chapter. For the purposes of this chapter, carrier includes an 17
62	62	insurance company, a nonprofit hospital or medical service corporation, a fraternal benefit society, 18
63	63	a health maintenance organization as defined in chapter 41 of this title or as defined in chapter 62 19
64	64	of title 42, or any other entity subject to state insurance regulation that provides medical care as 20
65	65	defined in subsection (y) that is paid or financed for a small employer by such entity on the basis 21
66	66	of a periodic premium, paid directly or through an association, trust, or other intermediary, and 22
67	67	issued, renewed, or delivered within or without Rhode Island to a small employer pursuant to the 23
68	68	laws of this or any other jurisdiction, including a certificate issued to an eligible employee that 24
69	69	evidences coverage under a policy or contract issued to a trust or association. 25
70	70	(g) “Church plan” has the meaning given this term under section 3(33) of the Employee 26
71	71	Retirement Income Security Act of 1974, 29 U.S.C. § 1002(33). 27
72	72	(h) “Control” is defined in the same manner as in chapter 35 of this title. 28
73	73	(i)(1) “Creditable coverage” means, with respect to an individual, health benefits or 29
74	74	coverage provided under any of the following: 30
75	75	(i) A group health plan; 31
76	76	(ii) A health benefit plan; 32
77	77	(iii) Part A or part B of Title XVIII of the Social Security Act, 42 U.S.C. § 1395c et seq., 33
78	78	or 42 U.S.C. § 1395j et seq. (Medicare); 34
79	79
80	80
81	81	LC001085 - Page 3 of 11
82	82	(iv) Title XIX of the Social Security Act, 42 U.S.C. § 1396 et seq. (Medicaid), other than 1
83	83	coverage consisting solely of benefits under 42 U.S.C. § 1396s (the program for distribution of 2
84	84	pediatric vaccines); 3
85	85	(v) 10 U.S.C. § 1071 et seq. (medical and dental care for members and certain former 4
86	86	members of the uniformed services, and for their dependents) (Civilian Health and Medical 5
87	87	Program of the Uniformed Services) (CHAMPUS). For purposes of 10 U.S.C. § 1071 et seq., 6
88	88	“uniformed services” means the armed forces and the commissioned corps of the National Oceanic 7
89	89	and Atmospheric Administration and of the Public Health Service; 8
90	90	(vi) A medical care program of the Indian Health Service or of a tribal organization; 9
91	91	(vii) A state health benefits risk pool; 10
92	92	(viii) A health plan offered under 5 U.S.C. § 8901 et seq. (Federal Employees Health 11
93	93	Benefits Program (FEHBP)); 12
94	94	(ix) A public health plan which for purposes of this chapter, means a plan established or 13
95	95	maintained by a state, county, or other political subdivision of a state that provides health insurance 14
96	96	coverage to individuals enrolled in the plan; or 15
97	97	(x) A health benefit plan under section 5(e) of the Peace Corps Act (22 U.S.C. § 2504(e)). 16
98	98	(2) A period of creditable coverage shall not be counted, with respect to enrollment of an 17
99	99	individual under a group health plan, if, after the period and before the enrollment date, the 18
100	100	individual experiences a significant break in coverage. 19
101	101	(j) “Dependent” means a spouse, child under the age twenty-six (26) years, and an 20
102	102	unmarried child of any age who is financially dependent upon the parent and is medically 21
103	103	determined to have a physical or mental impairment that can be expected to result in death or that 22
104	104	has lasted or can be expected to last for a continuous period of not less than twelve (12) months. 23
105	105	(k) “Director” means the director of the department of business regulation. 24
106	106	(l) [Deleted by P.L. 2006, ch. 258, § 2, and P.L. 2006, ch. 296, § 2.] 25
107	107	(m) “Eligible employee” means an employee who works on a full-time basis with a normal 26
108	108	work week of thirty (30) or more hours, except that at the employer’s sole discretion, the term shall 27
109	109	also include an employee who works on a full-time basis with a normal work week of anywhere 28
110	110	between at least seventeen and one-half (17.5) and thirty (30) hours, so long as this eligibility 29
111	111	criterion is applied uniformly among all of the employer’s employees and without regard to any 30
112	112	health status-related factor. The term includes a self-employed individual, a sole proprietor, a 31
113	113	partner of a partnership, and may include an independent contractor, if the self-employed 32
114	114	individual, sole proprietor, partner, or independent contractor is included as an employee under a 33
115	115	health benefit plan of a small employer, but does not include an employee who works on a 34
116	116
117	117
118	118	LC001085 - Page 4 of 11
119	119	temporary or substitute basis or who works less than seventeen and one-half (17.5) hours per week. 1
120	120	Any retiree under contract with any independently incorporated fire district is also included in the 2
121	121	definition of eligible employee, as well as any former employee of an employer who retired before 3
122	122	normal retirement age, as defined by 42 U.S.C. § 18002(a)(2)(C), while the employer participates 4
123	123	in the early retiree reinsurance program defined by that chapter. Persons covered under a health 5
124	124	benefit plan pursuant to the Consolidated Omnibus Budget Reconciliation Act of 1986 shall not be 6
125	125	considered “eligible employees” for purposes of minimum participation requirements pursuant to 7
126	126	§ 27-50-7(d)(9). 8
127	127	(n) “Enrollment date” means the first day of coverage or, if there is a waiting period, the 9
128	128	first day of the waiting period, whichever is earlier. 10
129	129	(o) “Established geographic service area” means a geographic area, as approved by the 11
130	130	director and based on the carrier’s certificate of authority to transact insurance in this state, within 12
131	131	which the carrier is authorized to provide coverage. 13
132	132	(p) “Family composition” means the: 14
133	133	(1) Enrollee; 15
134	134	(2) Enrollee, spouse, and children; 16
135	135	(3) Enrollee and spouse; or 17
136	136	(4) Enrollee and children. 18
137	137	(q) “Genetic information” means information about genes, gene products, and inherited 19
138	138	characteristics that may derive from the individual or a family member. This includes information 20
139	139	regarding carrier status and information derived from laboratory tests that identify mutations in 21
140	140	specific genes or chromosomes, physical medical examinations, family histories, and direct 22
141	141	analysis of genes or chromosomes. 23
142	142	(r) “Governmental plan” has the meaning given the term under section 3(32) of the 24
143	143	Employee Retirement Income Security Act of 1974, 29 U.S.C. § 1002(32), and any federal 25
144	144	governmental plan. 26
145	145	(s)(1) “Group health plan” means an employee welfare benefit plan as defined in section 27
146	146	3(1) of the Employee Retirement Income Security Act of 1974, 29 U.S.C. § 1002(1), to the extent 28
147	147	that the plan provides medical care, as defined in subsection (y) of this section, and including items 29
148	148	and services paid for as medical care to employees or their dependents as defined under the terms 30
149	149	of the plan directly or through insurance, reimbursement, or otherwise. 31
150	150	(2) For purposes of this chapter: 32
151	151	(i) Any plan, fund, or program that would not be, but for Public Health Service Act Section 33
152	152	2721(e), 42 U.S.C. § 300gg(e), as added by Pub. L. No. 104-191, an employee welfare benefit plan 34
153	153
154	154
155	155	LC001085 - Page 5 of 11
156	156	and that is established or maintained by a partnership, to the extent that the plan, fund, or program 1
157	157	provides medical care, including items and services paid for as medical care, to present or former 2
158	158	partners in the partnership, or to their dependents, as defined under the terms of the plan, fund, or 3
159	159	program, directly or through insurance, reimbursement or otherwise, shall be treated, subject to 4
160	160	subsection (s)(2)(ii) of this section, as an employee welfare benefit plan that is a group health plan; 5
161	161	(ii) In the case of a group health plan, the term “employer” also includes the partnership in 6
162	162	relation to any partner; and 7
163	163	(iii) In the case of a group health plan, the term “participant” also includes an individual 8
164	164	who is, or may become, eligible to receive a benefit under the plan, or the individual’s beneficiary 9
165	165	who is, or may become, eligible to receive a benefit under the plan, if: 10
166	166	(A) In connection with a group health plan maintained by a partnership, the individual is a 11
167	167	partner in relation to the partnership; or 12
168	168	(B) In connection with a group health plan maintained by a self-employed individual, under 13
169	169	which one or more employees are participants, the individual is the self-employed individual. 14
170	170	(t)(1) “Health benefit plan” means any hospital or medical policy or certificate, major 15
171	171	medical expense insurance, hospital or medical service corporation subscriber contract, or health 16
172	172	maintenance organization subscriber contract. Health benefit plan includes short-term and 17
173	173	catastrophic health insurance policies, and a policy that pays on a cost-incurred basis, except as 18
174	174	otherwise specifically exempted in this definition. 19
175	175	(2) “Health benefit plan” does not include one or more, or any combination of, the 20
176	176	following: 21
177	177	(i) Coverage only for accident or disability income insurance, or any combination of those; 22
178	178	(ii) Coverage issued as a supplement to liability insurance; 23
179	179	(iii) Liability insurance, including general liability insurance and automobile liability 24
180	180	insurance; 25
181	181	(iv) Workers’ compensation or similar insurance; 26
182	182	(v) Automobile medical payment insurance; 27
183	183	(vi) Credit-only insurance; 28
184	184	(vii) Coverage for on-site medical clinics; and 29
185	185	(viii) Other similar insurance coverage, specified in federal regulations issued pursuant to 30
186	186	Pub. L. No. 104-191, under which benefits for medical care are secondary or incidental to other 31
187	187	insurance benefits. 32
188	188	(3) “Health benefit plan” does not include the following benefits if they are provided under 33
189	189	a separate policy, certificate, or contract of insurance or are otherwise not an integral part of the 34
190	190
191	191
192	192	LC001085 - Page 6 of 11
193	193	plan: 1
194	194	(i) Limited scope dental or vision benefits; 2
195	195	(ii) Benefits for long-term care, nursing home care, home health care, community-based 3
196	196	care, or any combination of those; or 4
197	197	(iii) Other similar, limited benefits specified in federal regulations issued pursuant to Pub. 5
198	198	L. No. 104-191. 6
199	199	(4) “Health benefit plan” does not include the following benefits if the benefits are provided 7
200	200	under a separate policy, certificate, or contract of insurance, there is no coordination between the 8
201	201	provision of the benefits and any exclusion of benefits under any group health plan maintained by 9
202	202	the same plan sponsor, and the benefits are paid with respect to an event without regard to whether 10
203	203	benefits are provided with respect to such an event under any group health plan maintained by the 11
204	204	same plan sponsor: 12
205	205	(i) Coverage only for a specified disease or illness; or 13
206	206	(ii) Hospital indemnity or other fixed indemnity insurance. 14
207	207	(5) “Health benefit plan” does not include the following if offered as a separate policy, 15
208	208	certificate, or contract of insurance: 16
209	209	(i) Medicare supplemental health insurance as defined under section 1882(g)(1) of the 17
210	210	Social Security Act, 42 U.S.C. § 1395ss(g)(1); 18
211	211	(ii) Coverage supplemental to the coverage provided under 10 U.S.C. § 1071 et seq.; or 19
212	212	(iii) Similar supplemental coverage provided to coverage under a group health plan. 20
213	213	(6) A carrier offering policies or certificates of specified disease, hospital confinement 21
214	214	indemnity, or limited benefit health insurance shall comply with the following: 22
215	215	(i) The carrier files on or before March 1 of each year a certification with the director that 23
216	216	contains the statement and information described in subsection (t)(6)(ii) of this section; 24
217	217	(ii) The certification required in subsection (t)(6)(i) of this section shall contain the 25
218	218	following: 26
219	219	(A) A statement from the carrier certifying that policies or certificates described in this 27
220	220	subsection (t)(6) are being offered and marketed as supplemental health insurance and not as a 28
221	221	substitute for hospital or medical expense insurance or major medical expense insurance; and 29
222	222	(B) A summary description of each policy or certificate described in this subsection (t)(6), 30
223	223	including the average annual premium rates (or range of premium rates in cases where premiums 31
224	224	vary by age or other factors) charged for those policies and certificates in this state; and 32
225	225	(iii) In the case of a policy or certificate that is described in this subsection (t)(6) and that 33
226	226	is offered for the first time in this state on or after July 13, 2000, the carrier shall file with the 34
227	227
228	228
229	229	LC001085 - Page 7 of 11
230	230	director the information and statement required in subsection (t)(6)(ii) of this section at least thirty 1
231	231	(30) days prior to the date the policy or certificate is issued or delivered in this state. 2
232	232	(u) “Health maintenance organization” or “HMO” means a health maintenance 3
233	233	organization licensed under chapter 41 of this title. 4
234	234	(v) “Health status-related factor” means any of the following factors: 5
235	235	(1) Health status; 6
236	236	(2) Medical condition, including both physical and mental illnesses; 7
237	237	(3) Claims experience; 8
238	238	(4) Receipt of health care; 9
239	239	(5) Medical history; 10
240	240	(6) Genetic information; 11
241	241	(7) Evidence of insurability, including conditions arising out of acts of domestic violence; 12
242	242	or 13
243	243	(8) Disability. 14
244	244	(w)(1) “Late enrollee” means an eligible employee or dependent who requests enrollment 15
245	245	in a health benefit plan of a small employer following the initial enrollment period during which 16
246	246	the individual is entitled to enroll under the terms of the health benefit plan, provided that the initial 17
247	247	enrollment period is a period of at least thirty (30) days. 18
248	248	(2) “Late enrollee” does not mean an eligible employee or dependent: 19
249	249	(i) Who meets each of the following provisions: 20
250	250	(A) The individual was covered under creditable coverage at the time of the initial 21
251	251	enrollment; 22
252	252	(B) The individual lost creditable coverage as a result of cessation of employer 23
253	253	contribution, termination of employment or eligibility, reduction in the number of hours of 24
254	254	employment, involuntary termination of creditable coverage, or death of a spouse, divorce, or legal 25
255	255	separation, or the individual and/or dependents are determined to be eligible for RIteCare under 26
256	256	chapter 5.1 of title 40 [repealed] or chapter 12.3 of title 42 or for RIteShare under chapter 8.4 of 27
257	257	title 40; and 28
258	258	(C) The individual requests enrollment within thirty (30) days after termination of the 29
259	259	creditable coverage or the change in conditions that gave rise to the termination of coverage; 30
260	260	(ii) If, where provided for in contract or where otherwise provided in state law, the 31
261	261	individual enrolls during the specified bona fide open enrollment period; 32
262	262	(iii) If the individual is employed by an employer which offers multiple health benefit plans 33
263	263	and the individual elects a different plan during an open enrollment period; 34
264	264
265	265
266	266	LC001085 - Page 8 of 11
267	267	(iv) If a court has ordered coverage be provided for a spouse or minor or dependent child 1
268	268	under a covered employee’s health benefit plan and a request for enrollment is made within thirty 2
269	269	(30) days after issuance of the court order; 3
270	270	(v) If the individual changes status from not being an eligible employee to becoming an 4
271	271	eligible employee and requests enrollment within thirty (30) days after the change in status; 5
272	272	(vi) If the individual had coverage under a COBRA continuation provision and the 6
273	273	coverage under that provision has been exhausted; or 7
274	274	(vii) Who meets the requirements for special enrollment pursuant to § 27-50-7 or § 27-50-8
275	275	8. 9
276	276	(x) “Limited benefit health insurance” means that form of coverage that pays stated 10
277	277	predetermined amounts for specific services or treatments or pays a stated predetermined amount 11
278	278	per day or confinement for one or more named conditions, named diseases, or accidental injury. 12
279	279	(y) “Medical care” means amounts paid for: 13
280	280	(1) The diagnosis, care, mitigation, treatment, or prevention of disease, or amounts paid for 14
281	281	the purpose of affecting any structure or function of the body; 15
282	282	(2) Transportation primarily for and essential to medical care referred to in subsection 16
283	283	(y)(1) of this section; and 17
284	284	(3) Insurance covering medical care referred to in subsections (y)(1) and (y)(2) of this 18
285	285	section. 19
286	286	(z) “Network plan” means a health benefit plan issued by a carrier under which the 20
287	287	financing and delivery of medical care, including items and services paid for as medical care, are 21
288	288	provided, in whole or in part, through a defined set of providers under contract with the carrier. 22
289	289	(aa) “Person” means an individual, a corporation, a partnership, an association, a joint 23
290	290	venture, a joint stock company, a trust, an unincorporated organization, any similar entity, or any 24
291	291	combination of the foregoing. 25
292	292	(bb) “Plan sponsor” has the meaning given this term under section 3(16)(B) of the 26
293	293	Employee Retirement Income Security Act of 1974, 29 U.S.C. § 1002(16)(B). 27
294	294	(cc)(1) “Preexisting condition” means a condition, regardless of the cause of the condition, 28
295	295	for which medical advice, diagnosis, care, or treatment was recommended or received during the 29
296	296	six (6) months immediately preceding the enrollment date of the coverage. 30
297	297	(2) “Preexisting condition” does not mean a condition for which medical advice, diagnosis, 31
298	298	care, or treatment was recommended or received for the first time while the covered person held 32
299	299	creditable coverage and that was a covered benefit under the health benefit plan, provided that the 33
300	300	prior creditable coverage was continuous to a date not more than ninety (90) days prior to the 34
301	301
302	302
303	303	LC001085 - Page 9 of 11
304	304	enrollment date of the new coverage. 1
305	305	(3) Genetic information shall not be treated as a condition under subsection (cc)(1) of this 2
306	306	section for which a preexisting condition exclusion may be imposed in the absence of a diagnosis 3
307	307	of the condition related to the information. 4
308	308	(dd) “Premium” means all moneys paid by a small employer and eligible employees as a 5
309	309	condition of receiving coverage from a small employer carrier, including any fees or other 6
310	310	contributions associated with the health benefit plan. 7
311	311	(ee) “Producer” means any insurance producer licensed under chapter 2.4 of this title. 8
312	312	(ff) “Rating period” means the calendar period for which premium rates established by a 9
313	313	small employer carrier are assumed to be in effect. 10
314	314	(gg) “Restricted network provision” means any provision of a health benefit plan that 11
315	315	conditions the payment of benefits, in whole or in part, on the use of healthcare providers that have 12
316	316	entered into a contractual arrangement with the carrier pursuant to provide healthcare services to 13
317	317	covered individuals. 14
318	318	(hh) “Risk adjustment mechanism” means the mechanism established pursuant to § 27-15
319	319	50-16. 16
320	320	(ii) “Self-employed individual” means an individual or sole proprietor who derives a 17
321	321	substantial portion of his or her income from a trade or business through which the individual or 18
322	322	sole proprietor has attempted to earn taxable income and for which he or she has filed the 19
323	323	appropriate Internal Revenue Service Form 1040, Schedule C or F, for the previous taxable year. 20
324	324	(jj) “Significant break in coverage” means a period of ninety (90) consecutive days during 21
325	325	all of which the individual does not have any creditable coverage, except that neither a waiting 22
326	326	period nor an affiliation period is taken into account in determining a significant break in coverage. 23
327	327	(kk) “Small employer” means, except for its use in § 27-50-7, any person, firm, 24
328	328	corporation, partnership, association, political subdivision, or self-employed individual who or that 25
329	329	is actively engaged in business including, but not limited to, a business or a corporation organized 26
330	330	under the Rhode Island Nonprofit Corporation Act, chapter 6 of title 7, or a similar act of another 27
331	331	state that, on at least fifty percent (50%) of its working days during the preceding calendar quarter, 28
332	332	employed no more than fifty (50) one hundred (100) eligible employees, with a normal work week 29
333	333	of thirty (30) or more hours, the majority of whom were employed within this state, and is not 30
334	334	formed primarily for purposes of buying health insurance and in which a bona fide employer-31
335	335	employee relationship exists. In determining the number of eligible employees, companies that are 32
336	336	affiliated companies, or that are eligible to file a combined tax return for purposes of taxation by 33
337	337	this state, shall be considered one employer. Subsequent to the issuance of a health benefit plan to 34
338	338
339	339
340	340	LC001085 - Page 10 of 11
341	341	a small employer and for the purpose of determining continued eligibility, the size of a small 1
342	342	employer shall be determined annually. Except as otherwise specifically provided, provisions of 2
343	343	this chapter that apply to a small employer shall continue to apply at least until the plan anniversary 3
344	344	following the date the small employer no longer meets the requirements of this definition. The term 4
345	345	small employer includes a self-employed individual. 5
346	346	(ll) “Waiting period” means, with respect to a group health plan and an individual who is 6
347	347	a potential enrollee in the plan, the period that must pass with respect to the individual before the 7
348	348	individual is eligible to be covered for benefits under the terms of the plan. For purposes of 8
349	349	calculating periods of creditable coverage pursuant to subsection (i)(2) of this section, a waiting 9
350	350	period shall not be considered a gap in coverage. 10
351	351	(mm) “Wellness health benefit plan” means a plan developed pursuant to § 27-50-10. 11
352	352	(nn) “Health insurance commissioner” or “commissioner” means that individual appointed 12
353	353	pursuant to § 42-14.5-1 and afforded those powers and duties as set forth in §§ 42-14.5-2 and 42-13
354	354	14.5-3. 14
355	355	(oo) “Low-wage firm” means those with average wages that fall within the bottom quartile 15
356	356	of all Rhode Island employers. 16
357	357	(pp) “Wellness health benefit plan” means the health benefit plan offered by each small 17
358	358	employer carrier pursuant to § 27-50-7. 18
359	359	(qq) “Commissioner” means the health insurance commissioner. 19
360	360	SECTION 2. This act shall take effect upon passage. 20
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364	364
365	365
366	366	LC001085 - Page 11 of 11
367	367	EXPLANATION
368	368	BY THE LEGISLATIVE COUNCIL
369	369	OF
370	370	A N A C T
371	371	RELATING TO INSURANCE -- SMALL EMPLOYER HEALTH INSURANCE
372	372	AVAILABILITY ACT
373	373	***
374	374	This act would amend the definition of "small employer" for purposes of the small 1
375	375	employer health insurance availability act to mean a business employing less than one hundred 2
376	376	(100) employees rather than fifty (50) employees. 3
377	377	This act would take effect upon passage. 4
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