Underwriting Guidelines

RBG Small Group Underwriting Reference Guides


Cannabis Companies (updated 4/8/2020)

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

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)

Multiple Plan Options (updated 5/8/2020)

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

No DE9C Required (updated 5/15/2020)

Out of State Guidelines (updated 4/29/2020)

Participation and Wraps (updated 5/7/2020)

PEO Guidelines (updated 4/8/2020)

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

Start-up Groups (updated 4/15/2020)

Two Person Groups (updated 4/8/2020)

Valid Waivers (updated 5/1/2020)


2020 Underwriting Promotions


Blue Shield Relaxed Participation Flyer through December 2020

Health Net 2020 Underwriting Simplified through September 2020


2020 Carrier Underwriting Guidelines


Aetna Underwriting Guidelines 1.20

Anthem Underwriting Guidelines 1.20

Blue Shield Underwriting Guidelines 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 4.20

Health Net Enhanced Choice B Underwriting Guidelines 4.20

Health Net Dental and Vision Underwriting Guidelines 4.20

Health Net Life Underwriting Guidelines 4.20

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