ARSD 20:06:40:78. Guaranteed availability of coverage in the group market

A health insurance issuer that offers health insurance in the group market in this state must offer to any individual or employer in the state all products that are approved for sale in the applicable market, and must accept any individual or employer that applies for any of those products. A health insurance issuer offering health insurance coverage in the small group market must ensure that such coverage includes the essential health benefits package as defined in § 20:06:56:03 effective for plan or policy years beginning after December 31, 2013. Except for catastrophic plans, any plans not providing at least a bronze level of coverage or not providing essential health benefits as defined in § 20:06:56:03 must be issued as a supplement to other health insurance coverage and may not be used to replace essential health benefits coverage, a grandfathered health benefit plan or a catastrophic plan.