50-99 Employees
The good news for employee groups of your size is that—compared to smaller organizations—you have more flexibility in terms of the insurance products and plan design options available to you. However, on the downside, there is no federal law that requires insurers to provide coverage for your group. You can be turned down if an insurer believes your group will generate an unprofitable level of claims activity.

How coverage decisions are made
To determine whether or not to accept your group, and to assess what rates you will be charged, your potential insurer will do the following:

• Ask you, the employer, a series of general questions about the health of your employees;
• Assess the demographics of your group—age, gender, and so forth.
• Determine the level of benefits you desire.
• Ascertain the current or renewal rate being charged by your current carrier.

The insurer will then look at the average rate it is charging other, similar groups and will determine if it wants to accept your group at a comparable rate. In some cases, you may attempt to qualify for a better rate by asking the insurer to conduct a more intense underwriting process that requires detailed health histories from every person in your group.

The most important decision you will make…
It is important to select a broker, such as Brooks, who will become your strategic partner in providing the information and insights you need to make educated decisions. Brooks has an extensive knowledge of the various health insurers appropriate for your group and will guide you through an analysis of your needs to determine the most optimal solutions for providing a competitive, affordable plan.