Which of the following reasons can prevent a benefit plan/coverage type from being open?

A benefit plan not being included in the current benefits year is a valid reason for it not being open. Each benefits year, organizations determine which plans will be available and the conditions under which they can be accessed. If a benefit plan is not set up for the current year, employees cannot enroll in or utilize that plan during the open enrollment period or throughout the year. This is directly related to the annual or bi-annual scheduling of plans based on policy decisions made by the organization.

The other reasons also describe circumstances that can affect enrollment but in different contexts. An employee’s age may prevent them from joining specific plans that require members to be within a certain age range. Lack of employee contributions can affect the availability of some plans but typically doesn't prevent a plan from being open entirely; rather, it could limit coverage. Finally, limitations based on employment status—such as requiring full-time employment—can restrict eligibility for certain benefits but would not universally prevent a plan from being open in the system if it is indeed part of the current offerings.