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UHC Underwriting Updates Effective August 1, 2022

UnitedHealthcare is revising some of their underwriting guidelines to make it even easier to sell UHC than ever before.


New Guidelines

  • Participation requirement:
    • 1-4 enrolled 60% participation with UHC, excluding COBRA participants.
    • 5+ enrolled 25% participation (down from 60%) with UHC as a sole carrier OR if offering alongside a staff model (minimum 5 enrolled in CA with UHC), excluding COBRA participants.
  • No DE9C requirement for groups of 3+ enrolled (down from 10+ enrolled). Groups can use the Participation Certification Form in lieu of a DE9C.


Additionally, UHC will allow groups using a PEO for payroll only to sell alongside staff model HMO carriers effective July 1, 2022.


For questions, please contact a member of your B&P Sales Team - 888.722.3373.