Q1. A Louisiana small employer group health plan pools risk among employees to stabilize premiums. Which statement best explains this risk pooling benefit?

• ○Pooling spreads individual health costs across all members, reducing premium volatility for each employee.
• ○Pooling allows the insurer to deny coverage to high-risk employees to lower costs.
• ○Pooling requires each employee to pay the same premium regardless of age or health status.
• ○Pooling means the employer pays all claims directly without insurer involvement.