Cal. INS § 10716
This is the official text of Cal. INS § 10716, part of California’s Insurance Code — regulates insurance companies and the insurance policies sold in California.
Not legal advice. This page reproduces the official text of a government statute for reference only. Laws change, and how a statute applies depends on your specific facts. For advice about your situation, consult a licensed attorney in your state.
Official statutory text
In connection with the offering for sale of any benefit plan design to small employers:
Each carrier shall make a reasonable disclosure, as part of its solicitation and sales materials, of the following:
(a) The extent to which the premium rates for a specified small employer are established or adjusted in part based upon the actual or expected variation in claims costs or actual or expected variation in health conditions of the employees and dependents of the small employer.
(b) The provisions concerning the carrier’s ability to change premium rates and the factors other than claim experience which affect changes in premium rates.
(c) Provisions relating to the guaranteed issue of policies and contracts.
(d) Provisions relating to the effect of any preexisting condition provision.
(e) Provisions relating to the small employer’s right to apply for any benefit plan design written, issued, or administered by the carrier at the time of application for a new health benefit plan, or at the time of renewal of a health benefit plan.
(f) The availability, upon request, of a listing of all the carrier’s benefit plan designs, including the rates for each benefit plan design.
Each carrier shall make a reasonable disclosure, as part of its solicitation and sales materials, of the following:
(a) The extent to which the premium rates for a specified small employer are established or adjusted in part based upon the actual or expected variation in claims costs or actual or expected variation in health conditions of the employees and dependents of the small employer.
(b) The provisions concerning the carrier’s ability to change premium rates and the factors other than claim experience which affect changes in premium rates.
(c) Provisions relating to the guaranteed issue of policies and contracts.
(d) Provisions relating to the effect of any preexisting condition provision.
(e) Provisions relating to the small employer’s right to apply for any benefit plan design written, issued, or administered by the carrier at the time of application for a new health benefit plan, or at the time of renewal of a health benefit plan.
(f) The availability, upon request, of a listing of all the carrier’s benefit plan designs, including the rates for each benefit plan design.
Status: in_force · Read it on the official government site
Need a lawyer in California?
Find a California lawyer
About this page: Statute text is reproduced from official government publishers via the
Open US Law dataset
(Vaquill AI, snapshot v2026.08, CC BY 4.0). Primary legislative text like this is public domain under the government-edicts doctrine
(Georgia v. Public.Resource.Org, 2020). We link every section back to its official source so you can verify it independently.