Code of Massachusetts Regulations
211 CMR - DIVISION OF INSURANCE
Title 211 CMR 40.00 - Marketing of insured health plans
Section 40.12 - Introductory, Initial or Special Offers

(1) A marketing method for any individual insured health plan shall not directly, or by implication, represent that a contract or combination of contracts is an introductory, initial or special offer, or that applicants will receive substantial advantages not available at a later date, or that the offer is available only to a specified group of individuals, unless such is the fact or it shall be considered misleading, and therefore prohibited. A marketing method shall not contain phrases describing an enrollment period as "special," "limited," or similar words or phrases when the insurer used such enrollment periods as the usual method of advertising or marketing accident and sickness insurance or it shall be considered misleading, and therefore prohibited.

(2)211 CMR 40.00 prohibits any statement or implication to the effect that only a specific number of policies will be sold, or that a time is fixed for the discontinuance of the sale of the particular policy marketed because of special advantages available in the policy unless such is fact.

(3) A marketing method shall not utilize an initial premium rate which is less than that premium rate which would be charged by making a uniform prorating of the annual premium or it shall be considered misleading, and therefore prohibited.