Quoting with Arlo
Underwriting Guidelines
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- We do not quote the following groups: cannabis-related groups, PEOs, and employee leasing/staffing firms.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Note: We do not quote businesses based in WA, OK, DC, and NY.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 | |
| 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 |