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

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

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