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Owner Only Groups

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Aetna

Will the carrier write an Owner Only Group?

No
Aetna will not write a group without at least 1 non-owner W2 employee


Anthem BlueCross

Will the carrier write an Owner Only Group?

Yes
Anthem will accept Owner Only groups as long as the groups’ business entity is a type of
Corporation such as LLC, S-Corp or C-Corp
At least 2 eligible owners are required
 

Blue Shield of California

Will the carrier write an Owner Only Group?

No
Blue Shield will not write a group without at least 1 non-owner W2 employee

 

CaliforniaChoice

Will the carrier write an Owner Only Group?

No
CaliforniaChoice® will not write a group without at least 1 non-owner W2 employee

 

Health Net

Will the carrier write an Owner Only Group?

No
Health Net will write Officer Only groups as long as the group’s business entity is a type of
Corporation such as LLC, S-Corp or C-Corp
At least 2 eligible officers are required and at least one of the officers may not be a shareholder, must be listed on the DE9C and must be covered by Worker’s Compensation


Kaiser Permanente

Will the carrier write an Owner Only Group?

Yes
Kaiser will write Owner Only groups as long as the group’s business entity is a type of Corporation
such as LLC, S-Corp or C-Corp
At least one owner must be a W2 employee who will appear on DE9C with eligible wages
Group may consist of only 1 eligible W2 owner


UnitedHealthcare

Will the carrier write an Owner Only Group?

Yes
UnitedHealthcare will accept Owner Only groups as long as the groups’ business entity is a type of
Corporation such as LLC, S-Corp or C-Corp
At least 2 eligible owners are required

Owner Only Groups

This guide has been created as a quick reference and does not replace the full underwriting guidelines published by each carrier

Please refer to the carrier guidelines for additional information


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