Ohio is the state mentioned as not permitting private insurers to provide workers' compensation coverage. Which state does not permit private insurers to provide coverage?

• A. California
• B. New York
• C. Texas
• D. Ohio

Answer: (D)

In a monopolistic workers’ compensation system, private insurers aren’t allowed to sell standard WC policies—the state fund is the sole provider. Ohio operates this kind of system through the Ohio Bureau of Workers’ Compensation, so private insurers cannot issue typical workers’ compensation coverage there. In contrast, California, New York, and Texas all allow private insurers to write WC policies (often alongside a state fund option), so private coverage is permitted. The state in question is the one with the monopoly, which is Ohio.