Florida Laws and Rules Pertinent to Insurance Practice Test

The correct answer indicates that for the underwriting and issuance of a master group health policy in Florida, all employees must be eligible to participate regardless of their individual health history. This reflects the principle of community rating typically associated with group health insurance, where coverage cannot be denied based on health status, allowing for a more inclusive approach that ensures broader access to health care for all employees.

This requirement is particularly important in promoting fairness and non-discrimination in group health insurance policies. It encourages companies to offer comprehensive health plans to their employees, fostering a healthier workforce without the burden of exclusion based on medical history.

In contrast, other options such as health screenings, minimum participation percentages, and age restrictions all introduce limitations that could prevent certain individuals from obtaining coverage or limit the inclusivity of the group policy, which is not consistent with the principles governing group health policies in Florida.