What must small group health plans provide under Florida's Employee Health Care Access Act?

Under Florida's Employee Health Care Access Act, small group health plans are required to provide guaranteed coverage regardless of an individual's health status. This means that insurers cannot deny coverage to applicants based on their medical history or pre-existing conditions. The intent of this provision is to promote access to health care for small businesses and their employees, ensuring that everyone has the opportunity to obtain health insurance without discrimination.

This framework is particularly vital for small groups, where the collective health of members may be impacted by the presence of individuals with varying health profiles. By providing guaranteed coverage, the act aims to foster a more inclusive health insurance market, supporting the health security of employees while also aiding small employers in attracting and retaining talent without the fear of incurring excessive costs due to the health status of their employees.

The other options present approaches that do not align with the objectives of the Employee Health Care Access Act, as they either introduce barriers to obtaining coverage or make it less accessible, which the act explicitly seeks to avoid.