Do plans have participation requirements?
Small employers: Medical plan participation requires 75 percent of eligible employees, or a minimum of two employees minus any eligible individual or dependent waivers. For dental, the requirements are 75 percent of all eligible employees, with a minimum of two employees. Voluntary dental plans require five or more enrolled employees.
Large employers: Medical plan participation requires 80 percent of eligible employees without other group coverage, and a minimum of 50 percent of the entire population. Contributory dental plans require 75 percent of all eligible employees after waivers and 50 percent of the entire employee population. Voluntary dental plans require 50 percent of eligible employees if under a Section 125 plan or 75 percent of all eligible employees with a payroll deduction plan.
