Claremont Welcomes Kevin Carlin

A seasoned professional with over 35 years of experience in employee benefits, Kevin has worked with major health and dental insurance providers, including California Dental Network and Humana. His specialty lies in collaborating with brokers to create customized benefits solutions for groups across California.

Throughout his career, Kevin has established strong broker relationships by staying engaged in industry trends and networking events. His active LinkedIn presence enables him to share valuable insights, helping brokers navigate the evolving benefits marketplace and grow their businesses.

Based in Huntington Beach, Kevin enjoys time with his family and exploring the natural beauty of Southern California with his two French Bulldogs, Zoey and Lola. Learn more.

2025 Small Group Special Enrollment Period (SEP) Carrier Guide

The Small Group SEP offers a unique opportunity to help small businesses (1-100 employees) that usually don’t qualify for group coverage. From November 15 to December 15, insurance carriers must accept applications without participation or employer contribution requirements.

Did You Know SEP Offers:

• No participation requirements: Only one employee needs to enroll.
• No minimum employer contribution: More flexibility for budget-conscious clients.
• Coverage starts January 1, 2025.

SEP Is Ideal For:

• Small business owners with individual market coverage: SEP allows them to switch to more cost-effective group plans.
• Dual-carrier groups struggling with participation thresholds: SEP waives those requirements, easing compliance.
• Businesses wanting lower employer premium contributions: SEP lets them offer group benefits without the financial strain.

For a quick comparison of carrier deadlines and details, get our 2025 Small Group SEP Carrier Guide.

Don't delay, SEP only comes around once a year! Contact us today to help your clients take advantage of the SEP.

KFF 2024 Employer Health Benefits Survey

In 2024, the average single premium increased by 6% and the average family premium increased by 7% for employer-sponsored coverage, according to the KFF 2024 Employer Health Benefits Survey.

For a comprehensive analysis of premium trends, employee contributions, cost-sharing provisions, wellness programs, provider networks, coverage for weight loss drugs, and more, check out the survey. Or access our high-level summary of the survey.

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Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

As always, we'll keep you informed about healthcare issues and news affecting you and your clients. Our knowledgeable team is here to help you succeed.

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.