State RegulationsNY specificDifficulty 2/5
Under New York's small group rules administered by the Department of Financial Services, an employer group qualifies as a small group for accident and health insurance purposes if it has how many employees?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under 11 NYCRR Part 360 (Reg 145), a small group in New York is an employer group with 2 to 50 employees, and each association member group must likewise stay at or below the 50-employee ceiling. New York's small-group market guarantees these employers access to coverage on a year-round open enrollment basis. Employer groups outside that size band are marketed and rated under different rules.
Why the other options are wrong
- A) The floor is 2 employees, not 1, and the ceiling is 50, not 25; a sole individual does not form a small group.
- C) 10 to 100 misstates both bounds; the small group definition runs from 2 employees to 50 employees.
- D) 150 to 500 describes large employer groups, which fall outside the small-group market rules entirely.
Memory hook
Small group in New York: 2 through 50 - no solo acts, no giants.