Have you considered offering health insurance to your employees but struggled to meet the minimum employee participation requirements?

 

Now may be the perfect time to explore your options!

 

Limited Time: November 15 – December 15, 2026

 

During this special annual enrollment period, eligible small businesses can apply for group health insurance without having to meet the usual minimum employee participation requirements.

 

What Does This Mean for Your Business?

Normally, insurance companies require a certain percentage of eligible employees to enroll before offering group coverage. From November 15 through December 15, that participation requirement is waived for qualifying small businesses.

 

Here’s why this opportunity is worth considering:

• No minimum participation requirement: You may qualify even if only a small percentage of your eligible employees elect coverage.
• More flexibility: Employees who already have coverage elsewhere don’t necessarily prevent your business from obtaining a group plan.
• Long-term benefit: Groups enrolled under this special provision generally remain exempt from minimum participation requirements at future renewals.

 

Who Qualifies?

Eligible small businesses must meet standard group eligibility requirements. Sole-owner businesses without eligible employees and husband-and-wife-only groups generally do not qualify under the carrier guidelines described here.

 

Don’t Miss This Limited Enrollment Window!

Applications for January 1, 2027 coverage must be submitted by December 15, 2026.

 

Let us help you explore your options!

Our agency can help determine whether your business qualifies, compare available health insurance plans, and find coverage that fits your employees’ needs and your budget.

 

Contact us today at 516-484-5200 to learn more about this special enrollment opportunity!

Eligibility, plan availability, contribution requirements, and carrier underwriting guidelines apply.