State RegulationsNY specificDifficulty 1/5
Under Reg 145, what enrollment structure does New York's small group medical market have for eligible small employers?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under Reg 145 (11 NYCRR Part 360), New York's small group market operates with year-round open enrollment: an eligible small employer may apply for and obtain coverage at any time of the year rather than waiting for a restricted enrollment window. This continuous availability is a core access feature of the small employer market in New York.
Why the other options are wrong
- A) There is no annual enrollment window in the New York small group market; enrollment is open all year.
- B) The date the group was formed does not control when a small employer may apply for coverage.
- D) Prior coverage is not required, and coverage is not limited to a short period after other coverage expires.
Memory hook
Small groups never wait: New York small employer enrollment is open all year.