However they can require that a minimum percentage of your employees sign up for coverage. They can also require you to pay a minimum share of your workers' premiums. If you are buying a large group health plan for 51 or more employees, your group can be turned down. Your insurance cannot be canceled because someone in your group becomes seriously ill. This is called guaranteed renewability and it applies to group plans of all sizes.
Insurers can impose other conditions, however.
They can require you to meet minimum participation and contribution rates in order to renew your coverage. Additionally, they can refuse to renew your coverage for nonpayment of premiums or if you commit fraud, or if they are discontinuing that insurance product. In the latter case, they must give you a chance to buy other plans they sell to groups of your size. As a small employer, you cannot be charged higher premiums because someone in your group is seriously ill. You can, however, be charged somewhat more due to the age, gender, type and size of business, family size of those in your group and where your business is located.