United States Government Publishing Office publisher pbl distributor dst United States Government Accountability Office Health, Education, and Human Services Division author aut Government Organization text government publication eng GAOREPORTS Legislative Agency Publications gao legislative 2010-08-12 U.S. Government Printing Office 1995-06-12 monographic deposited born digital 36 p. GA 1.13:HEHS-95-161FS https://www.govinfo.gov/app/details/GAOREPORTS-HEHS-95-161FS P0b002ee180398aec f:he95161f DGPO 2010-08-12 2011-03-23 GAOREPORTS-HEHS-95-161FS machine generated eng fdlp REPORT GAOREPORTS-HEHS-95-161FS HEHS-95-161FS Health insurance State law Eligibility criteria State-administered programs Employee medical benefits Small business assistance Insurance premiums Insurance regulation Comparative analysis NAIC Small Employer Health Insurance Availability Model Act Fact Sheet HEHS Pursuant to a congressional request, GAO provided information on state legislation to improve portability, access, and rating practices for the small-employer and individual health insurance markets.<p/>GAO found that: (1) no state entirely adopted the National Association of Insurance Commissioners' (NAIC) model small-employer health insurance act; (2) the states did not consistently define small employers, eligible employees, carriers, and noncarrier groups offering small-employer insurance; (3) only 20 states included the self-employed, and not all of those states extended all provisions to that group; (4) 15 states passed some type of individual market reform, and 10 closely applied their small-employer reforms to their individual reforms; (5) states had the most difficulty in defining noncarrier groups offering insurance; (6) most states included limitations on preexisting condition exclusions and portability requirements, but differed on the length of the waiting period; (7) most states restricted insurer rating practices, but either significantly changed the NAIC model provisions or used a different approach; (8) states' approaches to rate determinations, permissible premium variations, and the number of carriers' business classes varied significantly; and (9) NAIC amended its model act to redefine small-employers to include the self-employed. https://www.govinfo.gov/content/pkg/GAOREPORTS-HEHS-95-161FS/html/GAOREPORTS-HEHS-95-161FS.htm https://www.govinfo.gov/content/pkg/GAOREPORTS-HEHS-95-161FS/pdf/GAOREPORTS-HEHS-95-161FS.pdf GAO/HEHS-95-161FS https://www.govinfo.gov/app/details/GAOREPORTS-HEHS-95-161FS Fact Sheet GAO/HEHS-95-161FS; Health Insurance Regulation: Variation in Recent State Small Employer Health Insurance Reforms; Health insurance State law Eligibility criteria State-administered programs Employee medical benefits Small business assistance Insurance premiums Insurance regulation Comparative analysis NAIC Small Employer Health Insurance Availability Model Act Public Law 93-406