Starting January 1, 2026, small businesses will be defined as 1-50 full-time or full-time-equivalent employees.

Rates for subscribers and dependents are calculated based on their age at the start date of the last contract period (the renewal date). This means that a client's rates won't change if he or she has a birthday before it's time for the next renewal. This applies to subscribers and dependents who are enrolled from the contract start date and those added to the contract period midyear.