Final answer:
Factors that are underwriting considerations for a small employer carrier include financial stability of the employer, employee age and gender, and the location of the employer's office. Preferred doctors are not typically considered.
Step-by-step explanation:
When it comes to underwriting considerations for a small employer carrier in the health insurance market, we need to look at factors that help reduce the insurance firm's fear of attracting only those who have high risks. One important consideration is the financial stability of the employer, as it shows the ability to pay premiums and maintain coverage for employees. Another factor is the location of the employer's office, which can impact the cost of healthcare services in that area. Employee age and gender are also taken into consideration, as they can affect the risk profile of the group. However, it's worth mentioning that under The Affordable Care Act, health insurance can't be denied to individuals based on age or gender alone. Lastly, the employee's preferred doctors are not typically factored in as an underwriting consideration.