Can an employer offer coverage only to a certain classification of employees?
No. An employer cannot “classify” employees. Eligible employees are defined as: employees of a single employer, the officers, managers, and employees of the employer and of subsidiary or affiliated corporations of a corporate employer and the individual proprietors, partners; and employees of individuals and firms the business of which is controlled by the insured employer through stock ownership, contract, or otherwise, who:
  • Work on a full-time basis
  • Have a normal work week of 30 or more hours

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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?