Small-group eligibility is not just a headcount. Carriers and programs can treat owners, spouses, W-2 employees, contractors, and employees on leave differently. We organize the facts first, then confirm current carrier requirements before you apply.
Build the eligible-employee list
Start with active workers, their work locations, ownership status, payroll relationship, current coverage, and anticipated eligibility date. That gives the carrier a usable census instead of an estimate that needs to be rebuilt later.
Document contribution and participation
Employers decide what they can contribute toward coverage. Participation rules can also depend on which eligible employees enroll and which have a valid waiver because they are covered elsewhere.
Set a workable start date
Quote, enrollment, payroll, and employee communication each have deadlines. A realistic effective date leaves enough time to confirm eligibility and give employees clear choices.