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Drug exclusions and benefits caps could create unpleasant surprises for some small employers, drafters say.
Regulators tinker with a reporting rule that's supposed to flag outliers.
Plans are already facing medical loss ratio audits, officials say.
Have state regulators placed their need for hidden revenues above their mission of ensuring a viable and competitive insurance industry?
Major medical conflicts may have crowded out concerns about other health products.
Patients have a hard time getting the "free" services for free.
Some wonder if the process would have an appeal for insurers.
In states that use the model, insurers will have to spend more time talking to actuaries.
Insurers say the proposal could have forced some smaller insurers into state supervision.
Insurers already use principles-based reserving methods for life insurance products.
The $500,000 comp deduction cap will apply to captives -- and may affect split-dollar life.