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 2/8/2021)

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

No DE9C Required (updated 11/18/2020)

Out of State Guidelines (updated 2/8/2021)

Owner Only Groups (updated 6/1/2020)

Participation and Wraps (updated 3/18/2021)

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 3/3/2021)

Two Person Groups (updated 4/8/2020)

Valid Waivers (updated 10/23/2020)


2021 Underwriting Promotions


Blue Shield Relaxed Participation Flyer through December 2021

Health Net Underwriting Simplified through June 2021


2021 Carrier Underwriting Guidelines


Aetna Underwriting Guidelines 1.21

Anthem Underwriting Guidelines 1.21

Blue Shield Underwriting Guidelines 4.21

Blue Shield Underwriting Guidelines 1.21

CaliforniaChoice Underwriting Guidelines 4.21

CaliforniaChoice Underwriting Guidelines 7.21

CalCPA Underwriting Manual 1.21

CCSB Eligibility and Enrollment Agent Guide 1.21

Cigna + Oscar Underwriting Guidelines 1.21

Health Net Enhanced Choice A Underwriting Guidelines 3.21

Health Net Enhanced Choice B Underwriting Guidelines 3.21

Heatlh Net Dental and Vision Underwriting Guidelines 3.21

Health Net Life Underwriting Guidelines 3.21

Kaiser Underwriting Guidelines 1.21

MediExcel Underwriting Guidelines 1.21

Sharp Underwriting Guidelines 1.21

UnitedHealthcare Underwriting Guidelines 1.21

UnitedHealthcare Underwriting Guidelines 7.21