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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).
- Download HR360’s Applicable Large Employer (ALE) Status Calculator
- Download a printable copy of the Employer Mandate Flowchart