In Texas, a former spouse who has been covered on the group health plan for a full year before divorce or severance of the family relationship might be able to continue his or her coverage for up to 36 months, but a request must be made within 15 days of…
State Info
Standard and State-Specific Age Curves
Most states use a standard “age curve” when determining the rates for small group plans. There is a different age factor for each age from 21 to 64. A 21 year old is set at a factor of 1.0 and a 64 year old is set at a factor of…
Rating Areas in Texas
Texas has 254 counties and 27 different geograhic rating areas. In Texas, like most states, the only factors used to determine the rates for fully-insured small groups is the ages of the covered employees and dependents and the location of the company. A small group health carrier must charge the…
What are the Wage & Tax Reports called in the different states?
Most carriers in most states ask that a wage and tax report be submitted with the group paperwork to help identify the eligible employees within the group. The wage & tax report is a quarterly report that employers in most states must file with the state’s workforce commission so that…