Quoting with Arlo
Underwriting Guidelines
Get acquainted with our guidelines before you start quoting
The basics
- We quote groups between 5 - 125 enrolled employees only
- We require a minimum participation of 50% (or 75% after eligible waivers)
- We require a member-level census (i.e., name, DOB, gender, and zipcodes of dependents as well)
- We don’t require IHQs but like to see claims experience if the group has any
- We don’t cover 1099s, retirees, or part-time workers
- We do not quote the following groups: cannabis-related groups, PEOs, and employee leasing/staffing firms.
Contact our team for a full list of our underwriting guidelines.
State-Level Restrictions
While our underwriting guidelines don’t vary too much, there are some slight restrictions by state. See the table below for our state-level restrictions.
Note: We do not quote businesses based in WA, OK, DC, and NY.
State | Min Group Size | Comment |
---|---|---|
AK | 5 | High attachment point requirement, only competitive on older groups or groups with very rich plan designs |
AL | 5 | |
AR | 5 | |
AZ | 5 | |
CA | 5 | High attachment point requirement, only competitive on older groups or groups with very rich plan designs (for groups with less than 100 eligible employees) |
CO | 5 | |
CT | 5 | |
DC | Not available | |
DE | 6 | |
FL | 5 | |
GA | 5 | |
HI | 5 | |
IA | 5 | |
ID | 5 | |
IL | 5 | |
IN | 5 | |
KS | 5 | |
KY | 5 | |
LA | 5 | |
MA | 5 | |
MD | 51 | |
ME | 15 | |
MI | 5 | |
MN | 5 | |
MO | 5 | Higher attachment point requirement - not always competitive for groups with less than 50 eligible employees |
MS | 5 | |
MT | 5 | |
NC | 20 | |
ND | 26 | |
NE | 5 | |
NH | 51 | Not available for small groups |
NJ | 5 | |
NM | 5 | |
NY | Not available | |
NV | 15 | |
OH | 5 | |
OK | 5 | Currently not available (coming mid 2025) |
OR | 5 | |
PA | 5 | $100k minimum attachment point, difficult to be competitive on groups with less than 20 employees |
RI | 51 | Not available for small groups |
SC | 5 | |
SD | 5 | |
TN | 5 | |
TX | 5 | |
UT | 51 | Not available for small groups |
VA | 5 | |
VT | 5 | Attachment point requirements make level-funding uncompetitive for groups with less than 25 employees |
WA | Not available | |
WI | 5 | |
WV | 5 | |
WY | 5 |