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GUARANTEED ISSUE OF GROUP INSURANCE
(applies only to small group plans (1-50 employees)

In general, insurers doing business in the small group market in a state must:

offer, to any small group in the state, all products approved for sale the insurer is actively marketing; and

accept any group that applies for those products.

There are exceptions to this provision:

Network limits - An insurer that offers insurance through a network of providers may limit coverage to those group plans with employees who live, work or reside in the service area.

Participation or contribution rules - An insurer may have minimum participation or contribution requirements as allowed by state law. Participation refers to the number of employees who participate in the plan. Contributions refer to the amount an employer contributes toward each employee's insurance.

In all cases, an insurer cannot discontinue any coverage or deny issue of a policy based on a group's claim experience or an individual's health status.

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