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Take Advantage of The Small Group Special Enrollment Period

Take Advantage of The Small Group Special Enrollment Period

The ACA mandated small group market Special Enrollment Period (SEP)¹ will begin shortly². Under the SEP, small employers are exempt from certain contribution and participation requirements for coverage effective January 1, 2020.

The SEP offers you a solution for employers with unique needs, such as:

  • Dual-Carrier Groups
    Small employers offering coverage from two carriers (aka dual-carrier groups) sometimes struggle to meet carrier participation requirements with one of the carriers. If you have dual-carrier groups such as these, then the SEP may be a good option for them.
  • Groups Preferring Lower Employer Premium Contributions
    Than Are Otherwise Required
    Groups struggling to meet carrier premium contribution requirements may find the SEP a viable option. There is no employer premium contribution requirement when enrolling during the SEP.

Please note: the Special Enrollment Period is different than the relaxed participation promotions that carriers sometimes offer. These carrier promotions are usually offered for a specific time period and may be discontinued at any time.

Quickly compare carrier deadlines and details with our Carrier SEP Guide:

Carrier SEP Guide


Need assistance?
Contact the small group experts at 800.696.4543 or


¹The small group market Special Enrollment Period is an ACA mandate that requires small group carriers offer a Special Enrollment Period when employers, that would otherwise not meet participation or contribution requirements, can enroll. Other carrier underwriting rules still apply.

²Exact dates for the Special Enrollment Period vary by carrier. See Claremont’s carrier SEP guide for details.



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