Eligibility Requirements and Benefits

As a general rule, the following requirements must be met in order to qualify for guaranteed issue insurance.

Eligibility For Small Group Insurance

Benefits

  • 2-50 eligible people (w2, sole proprietors, corporate officers...no 1099s)
  • 75% of eligible employees must enroll
  • Employer must pay at least 50% of employees premium
  • New companies must be in business at least 50% of prior quarter
  • Premiums are capped at 10% above standard rates
  • Plans are guaranteed issue...regardless of health
  • Premiums by employer are 100% tax deductible
  • Employers can pay as little as 50% of employees premium
  • Carriers can offer Choice of Plans
  • Waiting Periods on pre-existing conditions can be waived with proof of prior insurance

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