Who is eligible?
An employer group of 2-50 eligible employees. The employer must have employed no more than 50 eligible employees on at least 50% of the company’s working days in the last calendar year.
  • Require employees to complete an application for coverage, including health history.
  • Impose participation requirements on the group. That is, an insurer may require that a certain percent age of eligible employees be enrolled in the insurance program in order for a group to qualify.
  • Require documentation from the employer concerning the business and hours worked by the employees.
  • Consider an employee a late enrollee if he does not enroll within 30 days of becoming eligible for the coverage.

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1. What is the purpose of the Small Employer Health Insurance Availability Act?
2. Who is eligible?
3. What happens if I don’t enroll when I am initially eligible?
4. What happens if I am a late enrollee?
5. Can a pre-existing condition be excluded from coverage under the Small Employer Health Insurance Availability Act?
6. What is creditable coverage under Health Insurance Portability and Availability Act of 1996 (HIPAA)?
7. Does a husband and wife constitute a group?
8. If my group purchases a guaranteed issue policy from one insurer, does that policy cost the same through all insurers?
9. Can an employer offer coverage only to a certain classification of employees?
10. Which insurers are marketing the guaranteed issue products?
11. Whom do I contact if I have more questions?