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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 We do not quote the following groups: cannabis-related groups, PEOs, and employee leasing/staffing firms.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We do not quote businesses based in WA, OK, DC, MI, MN, and NY.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 5 High attachment point requirement, only competitive on older groups or groups with very rich plan designs
AL 5  
AR 5  
AZ 5  
CA 5 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 5  
CT 5  
DC   Not available
DE 5  
FL 5  
GA 5  
HI 5  
IA 5  
ID 5  
IL 5  
IN 5  
KS 5  
KY 5  
LA 5  
MA 5  
MD 51  
ME 15  
MI   Not available
MN   Not available
MO 5 Higher attachment point requirement - not always competitive for groups with less than 50 eligible employees
MS 5  
MT 5  
NC 12  
ND 26  
NE 5  
NH 51 Not available for small groups
NJ 5
  
NM 5  
NY   Not available
NV 15  
OH 5  
OK 5 Currently not available 
OR 5  
PA 5 $100k minimum attachment point, difficult to be competitive on groups with less than 20 employees
RI 51 Not available for small groups
SC 5  
SD 5  
TN 5  
TX 5  
UT 51 Not available for small groups
VA 5  
VT 5 Attachment point requirements make level-funding uncompetitive for groups with less than 25 employees
WA   Not available
WI 5  
WV 5  
WY 510