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Small Market Quotes

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Mid/Large Market Quotes (51+)

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Identifying the Appropriate Market Segment

Determining the appropriate market segment for your current or prospective client is one of the most crucial steps you can take in assuring you are doing all you can to get competitive quotes on their behalf.  Group size will affect:

  • Quoting process and compliance guidelines
  • Plan portfolio available
  • Associated commissions

The state of of Pennsylvania uses the average total number of employees (ATNE) for  the previous calendar year as the determination for market segment.  If your client is headquartered in a state other than Pennsylvania, contact our office for further guidance. What Is ATNE and How Does it Work?

Once you are confident of the market segment, select the applicable market above for information on obtaining a quote.

Other Relevant Calculations to Consider

Full-Time Eligible: Once the appropriate market segment is identified (for the proper quoting method, rating methodology & corresponding product portfolio) carrier participation requirements for percentages of enrollment are calculated from the group’s full-time eligible employee count.

Applicable Large Employer (ALE): For clarification regarding a client or prospect’s obligation to offer coverage, the full-time equivalents (FTE) calculation is used to determine if they are an applicable large employer (ALE).

Links to helpful sites:

OSHA (SIC Look Up)

ZipExpress (Zip and County Search)