One of the provisions of Obamacare is an annual one month guaranteed issue "Special Enrollment" window for small employer groups.
The Guaranteed Issue Special Open Enrollment period runs from November 15th to December 15th each year for a January 1st effective date.
Carriers are required to offer a special open enrollment window to Small Employers that do not meet carrier participation and/or contribution requirements. These groups must meet all other Underwriting Guidelines. Small Employers that have struggled to attain coverage due to participation or contribution requirements can obtain coverage during this special open enrollment window.
Small employers who have not been able to establish a group plan due to low participation among employees and/or wishing for lower contribution requirements can use this special enrollment window to establish a plan.
With all of the havoc in the individual health markets (particularly tiny networks and ever-changing drug benefits/formularies), now might be a good time to take a look at setting up and employer-sponsored program.