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Underwriting Guidelines: Arlo Plans

Review underwriting guidelines for our Arlo plans before you start quoting.

The basics

  1. We quote groups between 10 - 125 enrolled employees only
  2. We require a minimum participation of 50% (or 75% after eligible waivers)
  3. We require a member-level census (i.e., name, DOB, gender, and zipcodes of dependents as well)
  4. We don’t require IHQs but like to see claims experience if the group has any
  5. We don’t cover 1099s, retirees, or part-time workers
  6. We do not quote the following groups: cannabis-related groups, PEOs, and employee leasing/staffing firms.
Contact our team for a full list of our underwriting guidelines.

State-Level Restrictions

We do not quote businesses based in WA, OK, DC, MI, MN, and NY.

 

State Min Group Size Comment
AK 10 High attachment point requirement, only competitive on older groups or groups with very rich plan designs
AL 10  
AR 10  
AZ 10  
CA 10 High attachment point requirement, only competitive on older groups or groups with very rich plan designs (for groups with less than 100 eligible employees)
CO 10  
CT 10  
DC   Not available
DE 10  
FL 10  
GA 10  
HI 10  
IA 10  
ID 10  
IL 10  
IN 10  
KS 10  
KY 10  
LA 10  
MA 10  
MD 51  
ME 15  
MI   Not available
MN   Not available
MO 10 Higher attachment point requirement - not always competitive for groups with less than 50 eligible employees
MS 10  
MT 10  
NC  12  
ND 26  
NE 10  
NH 51 Not available for small groups
NJ 10
  
NM 10  
NY   Not available
NV 15  
OH 10  
OK 10 Currently not available 
OR 10  
PA 10 $100k minimum attachment point, difficult to be competitive on groups with less than 20 employees
RI 51 Not available for small groups
SC 10  
SD 10  
TN 10  
TX 10  
UT 51 Not available for small groups
VA 10  
VT 10 Attachment point requirements make level-funding uncompetitive for groups with less than 25 employees
WA   Not available
WI 10  
WV 10  
WY 10