State RegulationsNY specificDifficulty 1/5
Under New York's small employer health insurance rules, what is the definition of a small employer?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under Reg 145 (11 NYCRR Part 360 (Reg 145)), a small employer in New York is an employer that has at least 2 and not more than 50 employees. This definition determines which businesses may purchase coverage in the small-group market, where the special availability and renewability protections of the regulation apply.
Why the other options are wrong
- A) A single employee does not meet the minimum; the definition begins at 2 employees.
- C) More than 50 employees places the employer outside the small-employer definition altogether.
- D) Fewer than 100 employees is far too broad a test; New York's small-employer ceiling is 50 employees.
Memory hook
Small employer = 2 through 50 employees in New York.