Purpose

(1) This part must be interpreted and construed to effectuate the following express legislative purposes: (a) to promote the availability of health insurance coverage to small employers regardless of health status or claims experience; (b) to prevent abusive rating practices; (c) to require disclosure of rating practices to purchasers; (d) to establish rules regarding renewability of coverage; (e) to establish limitations on the use of preexisting condition exclusions; (f) to provide for the development of basic and standard health benefit plans to be offered to all small employers; (g) to provide for the establishment of a reinsurance program; and (h) to improve the overall fairness and efficiency of the small employer health insurance market. (2) This part is not intended to provide a comprehensive solution to the problem of affordability of health care or health insurance.