If you’re applying for a small group fully-insured plan (typically 2–50 employees), coverage is guaranteed issue — that means you can’t be declined based on the group’s health history. These plans follow Affordable Care Act rules and don’t require medical underwriting.

However, some employers may qualify for level-funded plans, which can offer lower premiums for healthy groups. These plans do consider risk — carriers may ask for prior claims history or require employees to complete individual health questionnaires. Based on that information, the carrier can choose to offer coverage, adjust the rates, or decline the group altogether. We can help you evaluate both options and determine which makes the most sense.