Section 18.04.12.001 - TITLE AND SCOPE01.Title. IDAPA 18.04.12, "The Small Employer Health Insurance and Availability Act."02.Scope. The Act and this chapter are intended to promote broader spreading of risk in the small employer marketplace and to regulate all health benefit plans sold to small employers, whether sold directly or through associations or other groupings of small employers. Carriers that provide health benefit plans to small employers are intended to be subject to all of the provisions of the Act and this chapter.Idaho Admin. Code r. 18.04.12.001