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FAQs Where do I get forms? How often do rates change? Does an employer have to offer a HealthPartners medical plan in order to offer HealthPartners dental plans? What is the size breakdown for large and small employers? Do plans have participation requirements? What does HIPAA mean to me as a broker? How does pooling affect group rates? Are there waiting periods for new groups or new employees? What are the different funding mechanisms for employers? Do HealthPartners medical or dental plans require primary clinic selection? When should a group purchase stop-loss insurance? What types of medical and dental plans are available? What does my client need to know about plan-year vs. calendar-year plan administration? What is the difference between embedded and non-embedded deductibles?