Special Annual Open Enrollment
There is an Special Open Enrollment Period from November 15th to December 15th every year where a Small Group can enroll without meeting participation or contribution requirements. “Final Rule” (2.27.2013 13416 Federal Register Vol 78 gpo.gov *
The Prohibition of Management Carve Outs – Section 2716 Health Care Reform – while not presently enforced, requires that you must treat all employees the same, and must still offer insurance to all employees… I don’t think this provision is that big a deal, as at renewal, you MUST meet the participation & contribution rules!
Although carriers must lower their contribution requirements, the Affordable Care Act still mandates that Applicable Large Employers (ALEs) with 50 or more full-time plus full-time equivalent employees must offer affordable coverage that meets minimum value in order to avoid a §4980H(b) employer penalty.
California requires Individuals and Families to have coverage or face a tax penalty, just like the Federal Law did.
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(B) In the case of a group health plan in the small group market that cannot comply with employer contribution or group participation rules for the offering of health insurance coverage, as allowed under applicable State law, and in the case of a QHP offered in the SHOP, as permitted by § 156.285(e) or § 156.286(e) of this subchapter, a health insurance issuer may restrict the availability of coverage to an annual enrollment period that begins November 15 and extends through December 15 of each calendar year. Cornel 45 CFR 147.104 *
Health insurance carriers are not required to renew existing small group clients who do not meet minimum participation requirements, but only to take new ones. However, carriers generally will renew existing plans because otherwise they would just be circulating these clients from carrier to carrier. Levitt.com *
Insurance Carriers Rules & deadlines
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Special Open Enrollment Guidelines
|Blue Cross – Anthem||
Blue Shield Info through 3.31.2016
|California Choice – A Private Exchange||
Kaiser Permanente – New Enrollment
Kaiser – Very General Info
|United Health Plan||
|Sharp Health Pla||
|SHOP – Covered CA for Small Business|
|Warner Pacific – Requires Log In|
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Other pages in the Participation & Contribution Requirements section
- Documents to show bonafide Employer in business
- Enforcement – Participation – Recertification – Actively @ Work
- Management Carve Outs
- Special Annual Open Enrollment – NO Rules!
Warner Pacific Updates