I'm getting vague information about whether or not it is a no-no to write individual plans for small groups. In other words, writing say a 5 man group with each person having their own individual plan with the employer paying premiums for for all 5. The answer I get is "it's not enforced" or "it's a gray area". The two companies I write for will let you list bill, but the employee has to sign a disclaimer saying, "I am responsible for 100% of my premium". Anybody have any insight on this?