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Eligibility · 28 October 2026 · 3 min read

What are the requirements for group health insurance?

To offer group health insurance you generally need a real business with at least one non-owner employee, a carrier's minimum participation (often around 70% of eligible staff) and a minimum employer contribution (often 50% of employee-only cover). Waiting periods cannot exceed 90 days, and extra federal rules start at 20 and 50 employees.

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