State RegulationsNY specificDifficulty 2/5
Which of the following employers is NOT a small employer under New York's small-group market rules?
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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 (Reg 145)), a small employer is one with 2 to 50 employees. A firm sitting exactly at 50 employees is still within the definition, because the ceiling is inclusive; once an employer's headcount exceeds 50, it falls outside the small-group market and its guaranteed-availability protections.
Why the other options are wrong
- A) 2 employees meets the minimum threshold for small-employer status in New York.
- B) 50 is the inclusive maximum, so a firm at exactly 50 employees still qualifies as a small employer.
- D) 25 employees falls comfortably within the 2-to-50 range that defines a small employer.
Memory hook
50 is inside the club; one head more than 50 is out.