Small Group SEP is Coming Soon

The small group Special Enrollment Period (SEP) is a valuable opportunity to grow your book and help small businesses that are typically ineligible for group coverage.

During the small group SEP, November 15 to December 15, insurance carriers are required by law to accept applications from small groups (1-100 employees) without participation or employer contribution requirements. This limited time opportunity is the perfect chance to offer coverage solutions, even to businesses that don't meet the usual criteria.

Did You Know SEP Offers:

• Zero participation requirements: Only one enrolled employee is needed.
• No minimum employer contribution required: Greater flexibility for your clients.
• Coverage effective date: January 1, 2026.

SEP Is a Great Solution For:

• Small Business Owners Currently Enrolled in Individual Market Coverage
  The SEP permits small business owners to upgrade to group medical insurance, unlocking advantageous rates and plan offerings compared to individual and family policies. We can help you present these to your small business clients.
• Dual-Carrier Groups Struggling to Meet Participation Thresholds
  Small employers offering coverage from two carriers (aka dual-carrier groups) where meeting enrollment quotas with one carrier is problematic. The SEP waives these requirements - making compliance much easier.
• Groups Preferring Lower Employer Premium Contributions Than Are Otherwise Required
  Because the SEP eliminates monthly employer premium payment obligations, it empowers budget-conscious small businesses to enroll employees in group health benefits without increasing operating expenses.

Contact us today to help your clients take advantage of the SEP.

Beam 2-Year Rate Guarantee Promotion

Beam is offering a 2-Year Rate Guarantee promotion for new small group clients (2–99 employees) who elect dental, vision, and employer-paid life insurance—plus any other Beam benefits—quoted between September 1, 2025, and December 31, 2025, with effective dates through March 2026.

Important Details:

• Eligible groups: 2–99 employees, not currently with Beam (or previously canceled within the last 12 months).
• Timing: Quotes must be issued 9/1/2025–12/31/2025; policies must be effective 10/1/2025–3/1/2026.
• State availability: Offer available in most states where Beam employer-paid life is sold. (exclusions apply).
• Renewal: First renewal and re-rating occur after the second plan year.
• No hidden fees: The guarantee is straightforward—no extra charges or enrollment games.

Download the Beam flyer.

To quote Beam with a 2-year rate guarantee, contact your Claremont sales team today.

Join Health Net's September Market Insights Webinar

Stay informed with the latest industry insights from Health Net’s Executive Sales Team. Don’t miss the next session in the Health Net Market Insights Webinar Series, hosted by Commercial Officer Alyson Stone.

This quarter’s agenda features timely updates and market expertise, including:

• Regulatory and Legislative Updates – Jason Gabhart, Government Affairs Advocate
• Peak Season Market Updates – Ernie Bernal, VP IFP Sales; Stan Kim, VP SBG Sales; Dan Minahan, Director LG Sales; Garrick Brazier, Director LG Sales

When: Tuesday, Sept 23, 2025
11:00am – 12:00pm PT

Register today!

Q4-2025 Top 20 Reports

Help employers control rising health plan costs and offer high-quality coverage options with our Q4-2025 Top 20 Reports.

Why Download Our Top 20 Reports:

• Quickly and easily identify the lowest cost medical plans in each network: Broad and Narrow.
• Efficiently compare plans by cost, metal tier, and rating region, statewide. 
• Shop the market without a quote engine. 

As always, we'll keep you informed about healthcare issues and news affecting you and your clients. Our knowledgeable team is here to help you succeed.

Questions?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.