If an employee wants to enter the group outside of the open enrollment period, to reduce adverse selection, the insurer may 1. Increase medical requirements on existing members. 2. Require evidence of insurability. 3. Require a higher premium. 4. Prolong the open enrollment period.

If an employee wants to enter the group outside of the open enrollment period, to reduce adverse selection, the insurer may
1. Increase medical requirements on existing members.
2. Require evidence of insurability.
3. Require a higher premium.
4. Prolong the open enrollment period.

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