The waiver period is a great opportunity for your small business to purchase health care coverage for your team. The waiver period begins Nov. 1 and ends Dec. 15 for a January 1 or January 15, 2025, effective date. If you purchase coverage during this time, you can take advantage of potential savings and additional flexibility:
To qualify for group coverage as a small business, your company needs between two and 50 full-time employees (including the owner). A full-time employee is defined as someone that works at least 30 hours per week. Some states have additional guidelines as to who qualifies as a full-time employee and have minimum participation requirements. For guidance on other qualifiers, call 1-833-923-1784.
If you purchase insurance during the waiver period (November 1, 2024 through December 15, 2024) participation requirements are waived.
Essential health benefits are included in every health plan, no matter which plan you choose. The Affordable Care Act requires these benefits to be included in all individual, family, and employer-sponsored plans. Visit our Options Overview page to see all essential health benefits included in our plans.
If the previous documents are not available, the following may be considered as alternatives:
Want to Learn More?
Our insurance specialists can answer any additional questions you may have as you consider your group health insurance options. Call us at 1-833-923-1784 for general information or to get a quote for your health insurance.
You also can get a quote online 
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