Simply put, according to ACA guidelines, you're new company can not obtain group benefits until there is at least one person on payroll for 50% of the previous quarter.
For example, you've incorporated in December of the previous year but you have no W2 employees until March of the new year. Your company would be ineligible to start a benefit program until June 1. This would be the beginning of the 3rd Quarter.
Other guidelines and Underwriting requirements for carriers in California can be found in this fantastic spreadsheet below.
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