State RegulationsNY specificDifficulty 1/5
A small employer in New York asks when it can enroll its group in a small employer health plan. Under Reg 145, when is enrollment available in the New York small-group market?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under Reg 145 (11 NYCRR Part 360 (Reg 145)), the New York small-group market operates with year-round open enrollment: a small employer may purchase coverage at any time of the year. There is no annual enrollment season and no one-time enrollment window for small employers in New York; continuous enrollment is a core availability protection of the small-group market.
Why the other options are wrong
- B) New York does not confine small employers to an autumn enrollment season; enrollment in the small-group market is year-round.
- C) No enrollment window tied to the formation of the business limits New York small employers; they may enroll whenever they choose.
- D) The timing of a business license is irrelevant; the right to enroll is continuous throughout the year.
Memory hook
New York small-group enrollment never closes.