When a small employer health insurance plan is offered, it must be available

• A. To all eligible employees who apply
• B. Only to owners and spouses
• C. To all employees
• D. Only to full-time employees

Answer: (A)

In small-group health plans, everyone who meets the plan’s eligibility rules and chooses to apply must have the plan made available to them. That means coverage isn’t limited to a subset like owners or full-time workers alone; instead, eligible employees have the opportunity to enroll if they apply and meet any waiting periods or other eligibility criteria. The key idea is broad access within the class of employees, ensuring the plan is offered to all who qualify and seek enrollment. If someone is eligible but doesn’t apply, they don’t enroll, but the option must be there for those who do apply.