Underwriting Guidelines: Non-Arlo Plans

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 We do not quote the following groups: cannabis-related groups, PEOs, and employee leasing/staffing firms.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 for a full list of our underwriting guidelines.

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 See the table below for our state-level restrictions.Note: We do not quote businesses based in WA, OK, DC, and NY.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	20
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 (coming mid 2025)
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