Most organizations that obtain group healthcare coverage can be classified as one of three types...

Anti selection risk is higher for both multiple-employer groups and professional associations than it is for an employer-employee group

Private employers typically present a higher underwriting risk to health plans than do public employers

Individual members of a multiple-employer group or a professional association typically are required to obtain healthcare coverage through the group or association

I health plan is prohibited, when evaluating the risks represented by a professional association, from considering the industry experience of the agent or broker that sells a group plan to the association