Underwriting Guidelines

RBG Small Group Underwriting Reference Guides


Cannabis Companies (updated 8/16/2022)

Carve-Out Criteria (updated 7/13/2022)

Fifteenth of Month Effective Date (updated 7/13/2022)

Husband and Wife Only Groups (updated 8/11/2021)

Independent Contractors – 1099s (updated 7/13/2022)

Minimum Wage Payroll Calculation 2022 – San Diego City (updated 6/13/2022)

Minimum Wage Payroll Calculation 2022 – San Diego County (updated 6/13/2022)

Multiple Plan Options (updated 12/1/2022)

New Hire Age Determination Rules (updated 10/24/2022)

No DE9C Required (updated 12/1/2022)

Out of State Guidelines (updated 8/12/2022)

Owner Only Groups (updated 8/12/2022)

Participation and Wraps (updated 12/1/2022)

PEO Guidelines (updated 9/30/2022)

Spin-off Groups (updated 8/12/2022)

Start-up Groups (updated 7/19/2022)

Two Person Groups (updated 8/12/2021)

Valid Waivers (updated 7/13/2022)


2023 Underwriting Promotions


Health Net Underwriting Simplified through March 2023


2023 Carrier Underwriting Guidelines


Aetna Underwriting Guidelines 1.23

Blue Shield Underwriting Guidelines 1.23

Health Net Enhanced Choice Underwriting Guidelines 1.23

Health Net Dental and Vision Underwriting Guidelines 1.23

Health Net Life Underwriting Guidelines 1.23


2022 Underwriting Promotions


Blue Shield Relaxed Participation Flyer through December 2022

Health Net Underwriting Simplified through December 2022


2022 Carrier Underwriting Guidelines


Aetna Underwriting Guidelines 1.22

Anthem Underwriting Guidelines 1.22

Blue Shield Underwriting Guidelines 7.22

Blue Shield Underwriting Guidelines 1.22

CaliforniaChoice Underwriting Guidelines 3.22

CalCPA Underwriting Manual 1.22

CCSB Eligibility and Enrollment Agent Guide 1.22

Cigna + Oscar Underwriting Guidelines 1.22

Health Net Enhanced Choice A Underwriting Guidelines 3.22

Health Net Enhanced Choice B Underwriting Guidelines 3.22

Health Net Dental and Vision Underwriting Guidelines 3.22

Health Net Life Underwriting Guidelines 3.22

Kaiser Underwriting Guidelines 7.22

MediExcel Underwriting Guidelines 3.22

Sharp HMO SG Underwriting Matrix 1.22

Sharp POS SG Underwriting Guidelines 1.22

UnitedHealthcare Underwriting Guidelines 7.22