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TYPES OF MULTIPLE EMPLOYER ARRANGEMENTS
STATE REGULATION OF MULTIPLE EMPLOYER WELFARE
actuarial administrative adverse selection AFL-CIO agents associate members associate memberships association plans avoid CAP Staffing claim preemption claims experience contract Department of Insurance Department of Labor described employee leasing firms employees of small employer plans entities ERISA Erlenborn Amendment exempt exists factors federal financial standards Florida fully insured MEWAs guarantee funds health benefits health coverage health insurance health plans increases industry insolvent MEWAs insurance company METs insurance market insurance regulation insurer's interviews JURISDICTION SHOPPING large firms large number licensed loading fee lower cost medical underwriting MEWA plans multiple employer welfare NAIC North Carolina number of MEWAs operate percent policies policyholders Ponzi Schemes potential preferred provider organizations premium taxes problems provide health purchase rates regulate fully insured regulation of MEWAs reserve requirements risk pool self-funded plans self-insured single employer small employers small firms solvency sponsors TPAs trust types of MEWAs U.S. Department unauthorized insurance uninsured MEWAs welfare benefit plans workers