Are carriers required to offer premiums on a composite basis to all small employers (or can the carrier offer composite on groups of 10+ and only offer member-level rates on groups of 2 to 9)?

TDI addresses this question on its website:

Federal law states that carriers must offer premiums on a per-member basis, but may also offer composite premiums as an option.  Federal law also requires that the composite option be made uniformly, i.e. if a carrier offers composite premiums to one small employer in Texas, it must make that option available to all small employers in Texas.  See p. 13750 of the HHS Final Rule.

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