The Lighthouse health plan operates in a state that allows the health plan to use an underwriting method of determining a group's premium in which underwriters treat several small groups as one large group for risk assessment purposes. This method, which helps Lighthouse more accurately estimate a small group's probable claims costs, is known as

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This method is called pooling, in which several small groups are combined and treated as one larger group for risk assessment purposes. This allows for more accurate estimation of probable claims costs and can help ensure that premiums are more stable and affordable for small businesses.

The Lighthouse Health Plan Operates in a State That Allows