Eric Johnson

February 28, 2019 0

Are carriers required to offer premiums on a composite basis to all small employers (or can the carrier offer composite on groups of 10+ and only offer member-level rates on groups of 2 to 9)?

TDI addresses this question on its website: https://www.tdi.texas.gov/health/faqs.html Federal law states that carriers must offer premiums on a per-member basis,…

Questions & Answers

February 28, 2019 0

Are “one-person groups” allowed in the state of Texas? (If so, are carriers required to accept them?)

Texas considers a small group to be one with two or more eligible employees, and does not seem to require…

Questions & Answers

February 28, 2019 0

Are carriers required to accept husband and wife groups if there are no other employees?

TDI addresses this question on its website: https://www.tdi.texas.gov/health/faqs.html Guaranteed Issuance and Renewability for Mom and Pop Groups (expanded December 1,…

Questions & Answers

February 28, 2019 0

If a company with a small group plan grows to more than 50 employees, can it keep small group coverage?

Yes, once a group has a small group plan, it can keep it as long as it keeps renewing the…

Questions & Answers

February 28, 2019 0

Can small employers have an “orientation period” or require employees to work a certain number of hours before offering them health coverage?

Yes! There can be a reasonable orientation period before the waiting period begins. Under the final regulations, a group health…

Questions & Answers

February 28, 2019 0

What is the maximum new hire waiting period in the small group market?

PHS Act section 2708 provides that, for plan years beginning on or after January 1, 2014, a group health plan…

Author Eric Johnson