Final answer:
An insurer may refuse to renew an employer's small group health plan due to various reasons such as a high risk of future health problems or changes in the insurer's business strategy or market conditions.
Step-by-step explanation:
An insurer may refuse to renew an employer's small group health plan due to various reasons. One possible reason may be that the insurer determines that the employer's group poses a high risk of future health problems. In order to reduce their risk, the insurer may choose not to renew the plan.
Furthermore, another reason could be that the specific insurer no longer wants to offer any kind of coverage in that particular market or to that specific group of employers. Thus, this decision could be based on changes in the insurer's business strategy or market conditions.