Florida Insurance Laws and Rules Practice Test 2025 – Complete Exam Prep

The Florida Employee Health Care Access Act requires that group health plans are issued on a "guarantee-issue" basis. This means that employers cannot deny health insurance coverage to employees regardless of their health status, medical history, or claims experience. The objective of this requirement is to ensure that all employees have access to health care coverage without discrimination based on pre-existing conditions.

This provision is critical because it provides a safety net for individuals who might otherwise struggle to obtain insurance due to health-related issues. By mandating guarantee-issue policies, the Act helps to promote a healthier workforce and reduces the risk of individuals being left without necessary health coverage, ultimately benefiting both employees and employers through increased access to care.

In contrast, other options do not encapsulate this key aspect of the Florida Employee Health Care Access Act. Minimum coverage requirements and exemptions for large employers do not align with the main stipulation of guarantee-issue provisions which are central to the Act's mission of expanding health care access. Individual health plans for dependents only misconstrue the focus of the Act, which is on group health plans and broad access for all employees, not just dependents.