Updated Underwriting Requirements for Groups with 1-2 Enrolled Employees

For small group employers with 1-2 enrolled employees

We want to make you aware of important changes coming to the Premera Blue Cross and Premera Blue Cross HMO small group underwriting requirements for groups with 1–2 enrolled employees.

Premera Blue Cross and Premera Blue Cross HMO are required to meet state and federal requirements related to the ACA. To maintain compliance and align with industry standards, we are making changes to the underwriting requirements for groups with 1–2 enrolled employees.

This change will take effect at the next plan renewal date beginning May 1, 2026, and will require providing a Group Size Attestation and additional tax documentation 60 days before the renewal date. These documents and instructions will be sent by mail approximately 90 days before the renewal date and will also be included in the plan renewal package. Once completed, the employer’s producer can assist in submitting these documents.

Providing these documents 60 days before the plan effective date allows ample time for underwriting review to establish eligibility in the small group market and advise the employer of the outcome. This also gives the employer and the producer time to explore options for continued coverage through other sources, including the individual market.

We recognize this is a significant change for our customers. If you have questions about this requirement, please contact your insurance producer.