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F Small Group Underwriting Guidelines (Groups of 250 Full time equivalents) Broker Edition Independence Blue Cross Underwriting Departments document is for informational purposes only and is not intended
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Small businesses or organizations that want to provide health insurance coverage for their employees but do not wish to use the government-sponsored health insurance marketplace.
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Small group off exchange refers to a group health insurance plan that is purchased outside of the state or federal health insurance marketplace.
Employers with less than 50 full-time employees may choose to offer small group off exchange health insurance plans.
To fill out a small group off exchange plan, employers can work with a licensed insurance agent or directly with an insurance carrier.
The purpose of small group off exchange plans is to provide affordable health insurance options for small businesses that do not wish to purchase coverage through the marketplace.
Employers must provide information such as the number of employees, type of coverage offered, and premium rates when filing for small group off exchange plans.
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