Do all carriers have to offer rates for an AHP or do they have a choice to opt in or out?

AHPs are not a requirement for carriers to offer.

Where this question likely came from:

  • (a)  A small employer health coalition that otherwise meets the description of a small employer is considered a single small employer for all purposes under this chapter.
  • (b-1)  A health group cooperative that is composed only of small employers and that has made the election described by Section 1501.0581(o)(1) in accordance with Subsection (p) of that section shall be treated in the same manner as a small employer for the purposes of this chapter, including for the purposes of any provision relating to premium rates and issuance and renewal of coverage.
  • Source: Texas Insurance Code Sec. 1501.063. STATUS AS EMPLOYER: https://statutes.capitol.texas.gov/Docs/IN/htm/IN.1501.htm

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