What is the purpose of the Small Employer Health Insurance Availability Act?
The purpose of the Small Employer Health Insurance Availability Act is to promote the availability of health insurance coverage to small employers regardless of the health status or claims experience of their employees.

Under the Small Employer Health Insurance Availability Act, any eligible small employer who wishes to have group health insurance coverage for its employees, regardless of the health conditions in that employer group, can obtain health insurance coverage.

The Health Insurance Portability and Availability Act of 1996 (HIPAA) required that all products in the small employer market issued or renewed after July 1, 1997, must be guaranteed to be issued to a small employer group, regardless of the health status of its members.

Health Insurance - Small Employer Availability Act

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1. What is the purpose of the Small Employer Health Insurance Availability Act?
2. Who is eligible?
3. What happens if I don’t enroll when I am initially eligible?
4. What happens if I am a late enrollee?
5. Can a pre-existing condition be excluded from coverage under the Small Employer Health Insurance Availability Act?
6. What is creditable coverage under Health Insurance Portability and Availability Act of 1996 (HIPAA)?
7. Does a husband and wife constitute a group?
8. If my group purchases a guaranteed issue policy from one insurer, does that policy cost the same through all insurers?
9. Can an employer offer coverage only to a certain classification of employees?
10. Which insurers are marketing the guaranteed issue products?
11. Whom do I contact if I have more questions?