Legislation intended to make health insurance more available and affordable to small employers became effective in March 2007. Senate Bill 5: (1) makes it easier to establish a Healthcare Alliance by reducing the minimum number of participants to 1,000 and by allowing employers with up to 500 employees to participate in an Alliance, (2) provides increased flexibility to the pricing of health insurance sold to small employers (plans covering 2-50 lives), (3) requires insurers and HICs to have a system in place to provide information to covered persons by a health benefit plan regarding out-of-pocket costs for services provided by in-network providers, and (4) regulates discount medical plans.