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 8/11/2022)

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

Minimum Wage Payroll Calculation 2024 – San Diego County & City (updated 1/4/2024)

Multiple Plan Options (updated 4/22/2024)

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

No DE9C Required (updated 4/22/2024)

Out of State Guidelines (updated 10/13/2023)

Owner Only Groups (updated 8/12/2022)

Participation and Wraps (updated 4/22/2024)

PEO Guidelines (updated 2/26/2024)

Spin-off Groups (updated 2/26/2024)

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

Two Person Groups (updated 8/12/2022)

Valid Waivers (updated 7/18/2023)


2024 Underwriting Promotions


Blue Shield Relaxed Participation Flyer through December 2024

Health Net Underwriting Simplified Flyer through September 2024


2024 Carrier Underwriting Guidelines


Aetna Underwriting Guidelines 1.24

Anthem Underwriting Guidelines 1.23

Blue Shield Underwriting Guidelines 1.24

CalCPA Underwriting Manual 1.19

CaliforniaChoice Underwriting Guidelines 1.24

CaliforniaChoice Underwriting Guidelines 9.24

Cigna + Oscar Underwriting Guidelines 10.23

CCSB Enrollment and Eligibility Guide 1.24

Health Net Enhanced Choice Underwriting Guidelines 1.24

Health Net Dental and Vision Underwriting Guidelines 1.24

Health Net Life Underwriting Guidelines 1.24

Kaiser SB Underwriting Guidelines 1.24

MediExcel Underwriting Guidelines 4.23

Sharp HMO SG Underwriting Matrix 10.21

Sharp POS SG Underwriting Guidelines 9.21

Sutter Small Group Underwriting Guidelines 1.24

UnitedHealthcare Underwriting Guidelines 7.22