Anti-selection is the practice of choosing to not buy insurance when you are healthy (or don't need to make a claim) and only buying insurance when you know you are about to make a claim. This is why there are rules in group benefit plans around enrolment windows, late applicants, waiting periods, and mandatory group participation. It's important as a broker to follow these rules. It's important as an employer to follow these rules also, and this podcast will dive into why.