---
title: "Underwriting Guidelines: Non-Arlo Plans"
description: These underwriting guidelines apply to non-Arlo plans.
---

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# Underwriting Guidelines: Non-Arlo Plans

## Get acquainted with our guidelines before you start quoting

#### The basics

1. We quote groups between 5 - 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 We do not quote the following groups: cannabis-related groups, PEOs, and employee leasing/staffing firms.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](mailto:quotes@joinarlo.com) for a full list of our underwriting guidelines.

<https://support.joinarlo.com/underwriting-guidelines#state-level-restrictions>

#### State-Level Restrictions

While our underwriting guidelines don’t vary too much, there are some slight restrictions by state. See the table below for our state-level restrictions.**Note:** We do not quote businesses based in WA, OK, DC, and NY.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 | `6` |  |
| 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 | `5` |  |
| MN | `5` |  |
| 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 | `5` |  |

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