<?xml version='1.0' encoding='utf-8'?>
<section article="gin" article_name="Insurance" number="15-1102" title_number="15" title_name="Health Insurance" subtitle_number="11" subtitle_name="Miscellaneous Health Insurance Policies and Contracts and Health Benefit Plans">
  <level label="a">
    <text>In this section, “employee” includes:</text>
    <level label="1">
      <text>an officer, manager, or retired employee of an employer;</text>
    </level>
    <level label="2">
      <text>a sole proprietor if the employer is a sole proprietorship; and</text>
    </level>
    <level label="3">
      <text>a partner if the employer is a partnership.</text>
    </level>
  </level>
  <level label="b">
    <text>Health insurance on a franchise plan is the form of health insurance:</text>
    <level label="1">
      <text>that is issued to:</text>
      <level label="i">
        <text>three or more employees of a corporation, partnership, sole proprietorship, or governmental corporation, agency, or department; or</text>
      </level>
      <level label="ii">
        <text>ten or more members, employees, or employees of members of a labor union, or trade, professional, or other association, that is organized in good faith for purposes other than obtaining insurance, has a constitution or bylaws, and has had an active existence for at least 2 years;</text>
      </level>
    </level>
    <level label="2">
      <text>under which the individuals insured, with or without their dependents, are issued the same form of an individual policy that varies only as to amounts and kinds of coverage applied for; and</text>
    </level>
    <level label="3">
      <text>under which the premiums on the individual policies may be paid to the insurer periodically by:</text>
      <level label="i">
        <text>the employer, with or without payroll deductions;</text>
      </level>
      <level label="ii">
        <text>the labor union or association for its members; or</text>
      </level>
      <level label="iii">
        <text>a designated person acting on behalf of the employer, labor union, or association.</text>
      </level>
    </level>
  </level>
</section>
