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Small Group Special Enrollment Period Ends December 15

Dec 12, 2022, 2 Minute Read

By law, all carriers are required to offer the small group Special Enrollment Period (SEP) one time per year to allow employers to enroll in coverage with a $0 contribution requirement and no minimum participation requirement. The application period is from November 15 to December 15, 2022, for coverage effective January 1, 2023. Carrier administration of the SEP may vary slightly, including recertification at renewal.

The SEP provides several year-end sales opportunities and solutions for employers with unique needs, such as:

• Small Business Owners Currently Enrolled in Individual Market Coverage
  Group health benefits provide many advantages for small businesses. We can help you present these to your small business clients.
• Dual-Carrier Groups
  Small employers offering coverage from two carriers (aka dual-carrier groups) sometimes struggle to meet carrier participation requirements with one of the carriers. If you have dual-carrier groups such as these, then the SEP may be a good option for them.
• Groups Preferring Lower Employer Premium Contributions Than Are Otherwise Required
  Groups struggling to meet carrier premium contribution requirements may find the SEP a viable option. There is no employer premium contribution requirement when enrolling during the SEP.

Please note: the Special Enrollment Period is different than the relaxed participation promotions. These carrier promotions are usually offered for a specific time period and may be discontinued at any time.

Quickly compare carrier deadlines and details with our Carrier SEP Guide:

• Special Enrollment Period for January 2023 Coverage – Small Groups 1-100, Medical Carriers

Carrier SEP Guide

Contact us to help your clients take advantage of the SEP.

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

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