What are in-state rules for carriers?
In-state rules mainly concern insurance carriers’ requirement that a certain percentage of your employees who enroll in your group health plan live in the state where your coverage is written (usually where your company is headquartered). For example, if you have 100 employees, your insurance carrier may require 80% to live and work in California. […]
In-state rules mainly concern insurance carriers’ requirement that a certain percentage of your employees who enroll in your group health plan live in the state where your coverage is written (usually where your company is headquartered). For example, if you have 100 employees, your insurance carrier may require 80% to live and work in California.
Final Tip
If most of your employees live in a state other than where your coverage would likely be written, you may need to choose a different carrier (with different in-state rules) or switch to a different, accommodating branch of your insurance carrier.
