(1) prevent abusive rating practices;
(2) require disclosure of rating practices to purchasers;
(3) establish rules regarding: (a) a universal individual and small group application; and (b) renewability of coverage;
(a) a universal individual and small group application; and
(b) renewability of coverage;
(4) improve the overall fairness and efficiency of the individual and small group insurance market; and
(5) provide increased access for individuals and small employers to health insurance.
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