Underwriting Guidelines

RBG Small Group Underwriting Reference Guides


Cannabis Companies (updated 4/8/2020)

Carve-Out Criteria (updated 4/22/2020)

Fifteenth of the Month Effective Date (updated 7/15/2020)

Husband and Wife Only Groups (updated 4/7/2020)

Independent Contractors – 1099 (updated 4/8/2020)

Minimum Wage Payroll Calculation 2020 (updated 4/8/2020)

Minimum Wage Payroll Calculation 2021 (updated 10/30/2020)

Multiple Plan Options (updated 9/23/2020)

New Hire Age Determination Rules (updated 4/7/2020)

No DE9C Required (updated 11/18/2020)

Out of State Guidelines (updated 11/12/2020)

Owner Only Groups (updated 6/1/2020)

Participation and Wraps (updated 9/23/2020)

Special Enrollment Period for January 2021 (updated 11/12/2020)

PEO Guidelines (updated 9/2/2020)

Spin-off Groups (updated 4/8/2020)

Start-up Groups (updated 6/9/2020)

Two Person Groups (updated 4/8/2020)

Valid Waivers (updated 10/23/2020)


2021 Underwriting Promotions


Health Net Underwriting Simplified through March 2021


2021 Carrier Underwriting Guidelines


Blue Shield Underwriting Guidelines 1.21

Health Net Enhanced Choice A Underwriting Guidelines 1.21

Health Net Enhanced Choice B Underwriting Guidelines 1.21

Health Net Dental and Vision Underwriting Guidelines 1.21

Health Net Life Underwriting Guidelines 1.21


2020 Underwriting Promotions


Blue Shield Relaxed Participation Flyer through December 2020

Health Net 2020 Underwriting Simplified through December 2020


2020 Carrier Underwriting Guidelines


Aetna Underwriting Guidelines 8.20

Anthem Underwriting Guidelines 1.20

Blue Shield Underwriting Guidelines 10.20

CalCPA Underwriting Manual 1.20

CaliforniaChoice Underwriting Guidelines Updated 7.20

CaliforniaChoice Underwriting Guidelines 1.20

CCSB Eligibility and Enrollment Agent Guide 12.19

Health Net Enhanced Choice A Underwriting Guidelines 10.20

Health Net Enhanced Choice B Underwriting Guidelines 10.20

Health Net Dental and Vision Underwriting Guidelines 10.20

Health Net Life Underwriting Guidelines 10.20

Kaiser Small Business Guidelines 7.20

Kaiser Underwriting Guidelines 1.20

MediExcel Underwriting Guidelines 1.20

Sharp Underwriting Guidelines 1.20

UnitedHealthcare Underwriting Guidelines Updated 2.20

UnitedHealthcare Underwriting Guidelines 1.20