News & Updates
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Please review our updated RAF promotion and guidelines below:
•Groups with 6 - 9 enrolling must be AB1672 eligible and have a renewal RAF of 1.0 or less with their current carrier. Groups can be medically underwritten to qualify for a RAF lower than the .95 guarantee RAF.
•Groups with 10+ enrolling must be AB1672 eligible and have a renewal RAF of 1.06 or less with their current carrier.
•Groups with 6+ enrolling that received a 10-point increase in their RAF are ineligible.
•COBRA/CalCOBRA enrollees do not count toward the enrolled employee counts.
•Groups with 30% or more of COBRA/CalCOBRA enrollees are excluded from the RAF promo.
•Groups coming from CaliforniaChoice, Contractor’s Choice, HSA California, Kaiser Permanente Choice Solution, or groups that have withdrawn from
•Groups coming from a large group contract that are AB1672 eligible are eligible if they can provide a large group renewal of less than a 20% increase within 90 days of their requested effective date.
•Carve out groups (management/non-management, union/non-union) are not eligible for RAF promotions.
•Groups must submit a copy of both their current and last year’s renewal or their issued RAF at new business.
•Groups must apply for the RAF promotion prior to final underwriting approval.
•Employers funding a portion of the employee’s deductible, copayment/coinsurance will only be eligible for
• Groups coming off a PEO arrangement are not eligible.
