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Most organizations that obtain group healthcare coverage can be classified as one of three types...

Most organizations that obtain group healthcare coverage can be classified as one of three types of groups: employer-employee groups, multiple employer groups, and professional associations. One true statement about these types of groups is that

A.

Anti selection risk is higher for both multiple-employer groups and professional associations than it is for an employer-employee group

B.

Private employers typically present a higher underwriting risk to health plans than do public employers

C.

Individual members of a multiple-employer group or a professional association typically are required to obtain healthcare coverage through the group or association

D.

I health plan is prohibited, when evaluating the risks represented by a professional association, from considering the industry experience of the agent or broker that sells a group plan to the association

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