Small Group Health Insurance Market Guaranteed Issue

2013

Location	Guaranteed Issue All Products	Definition of Small Group	Guaranteed Issue for Self-Employed Group of One?	Special Rules for Groups of One?	Special Rule
United States	50+DC: Yes	N/A	N/A	N/A	N/A
Alabama	Yes	2 to 50	No	No	N/A
Alaska	Yes	2 to 50	No	No	N/A
Arizona	Yes	2 to 50	No	No	N/A
Arkansas	Yes	2 to 50	No	No	N/A
California	Yes	2 to 50	No	No	N/A
Colorado	Yes	1 to 50	Yes	Yes	Insurers are required to guarantee issue basic and standard plans to the self-employed either year-round or during an annual 31 day open enrollment period.
Connecticut	Yes	1 to 50	Yes	Yes	Insurers are required to guarantee issue a standardized plan to the self-employed.
Delaware	Yes	1 to 50	Yes	Yes	Insurers are required to guarantee issue the choice of either a standard or basic health plan to the self-employed.
District of Columbia	Yes	2 to 50	No	No	N/A
Florida	Yes	1 to 50	Yes	Yes	Insurers are required to guarantee issue the choice of a basic health plan, a standard health plan or federally qualified HDHP to the self-employed during a one-month annual open enrollment period.
Georgia	Yes	2 to 50	No	No	N/A
Hawaii	Yes	1 to 50	Yes	Yes	Insurers are required to guarantee issue small group plans to qualified self-employed during a 30 day enrollment period. In addition, for individuals experiencing certain qualifying events, insurers are required to guarantee issue small group plans for the 30 day period following the qualifying event.
Idaho	Yes	2 to 50	No	No	N/A
Illinois	Yes	2 to 50	No	No	N/A
Indiana	Yes	2 to 50	No	No	N/A
Iowa	Yes	1 to 50	No	No	N/A
Kansas	Yes	2 to 50	No	No	N/A
Kentucky	Yes	2 to 50	No	No	N/A
Louisiana	Yes	1 to 50	No	No	N/A
Maine	Yes	1 to 50	Yes	Yes	Insurers are required to guarantee issue either an individual health insurance policy or a small group plan to the self-employed.
Maryland	Yes	2 to 50	No	No	N/A
Massachusetts	Yes	1 to 50	Yes	No	N/A
Michigan	Yes	2 to 50	Yes	Yes	BCBS is required to guarantee issue to the self-employed.
Minnesota	Yes	2 to 50	No	No	N/A
Mississippi	Yes	1 to 50	Yes	Yes	Insurers are required to guarantee issue small group plans to the self-employed, except those covered by, or eligible for coverage under, a health benefit plan offered by an employer.
Missouri	Yes	2 to 50	No	No	N/A
Montana	Yes	2 to 50	No	No	N/A
Nebraska	Yes	2 to 50	No	No	N/A
Nevada	Yes	2 to 50	No	No	N/A
New Hampshire	Yes	1 to 50	Yes	Yes	Insurers are required to guarantee issue small group plans to self-employed during bi-annual open enrollment periods.
New Jersey	Yes	2 to 50	No	No	N/A
New Mexico	Yes	2 to 50	No	No	The New Mexico Health Insurance Alliance guarantees issue small group coverage to self-employed seeking family coverage (at least one dependent).
New York	Yes	1 to 50	No	No	N/A
North Carolina	Yes	1 to 50	Yes	Yes	Insurers are required to guarantee issue a standard and basic health insurance plan to self-employed.
North Dakota	Yes	2 to 50	No	No	N/A
Ohio	Yes	2 to 50	No	No	N/A
Oklahoma	Yes	2 to 50	No	No	Insurers participating in the Oklahoma Employer-Employee Partnership for Insurance Coverage Program (O-EPIC) are required to guarantee issue a program-approved health plan to qualified self-employed.
Oregon	Yes	2 to 50	No	No	N/A
Pennsylvania	Yes	2 to 50	No	No	N/A
Rhode Island	Yes	1 to 50	Yes	No	Insurers are required to guarantee issue small group plans to the self-employed, except those covered by, or eligible for coverage under, a health benefit plan offered by an employer.
South Carolina	Yes	2 to 50	No	No	N/A
South Dakota	Yes	2 to 50	No	No	N/A
Tennessee	Yes	2 to 50	No	No	N/A
Texas	Yes	2 to 50	No	No	N/A
Utah	Yes	2 to 50	No	No	N/A
Vermont	Yes	1 to 50	Yes	No	N/A
Virginia	Yes	2 to 50	No	No	N/A
Washington	Yes	1 to 50	Yes	Yes	To be covered as a group of one, a self-employed individual must have been employed for at least 12 months prior and verify that at least 75% of income came from self-employment.
West Virginia	Yes	2 to 50	No	No	N/A
Wisconsin	Yes	2 to 50	No	No	N/A
Wyoming	Yes	2 to 50	No	No	N/A

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Small Group Health Insurance Market Guaranteed Issue

2013

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