2024 Small Group SEP Carrier Guide

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Cigna + Oscar Withdraws from
The Small Group Market

New Cigna + Oscar (C+O) small group sales and renewals will not be offered in 2025. At C+O’s request, all plans and rates have been removed from the quote engine. However, you can still quote or renew your C+O groups through December 15, 2024 by contacting us at quotes@claremontcompanies.com or 800.696.4543. Please note: the last day of coverage will be December 14, 2025.

For assistance, please contact our Quotes team at quotes@claremontcompanies.com or 800.696.4543.

Nov 27, 2023, 2 Minute Read

All health insurance carriers have a legal obligation to provide small businesses (1-100 employees) with a Special Enrollment Period (SEP) once per year, from November 15 through December 15, 2023 – for medical coverage starting January 1, 2024. This limited opportunity allows employers to enroll in coverage with no minimum participation requirements or employer premium contributions.

Our easy-to-use Carrier SEP Guide for January 2024 medical coverage can help you and your small groups quickly compare carrier deadlines and details.

Carrier SEP Guide

SEP delivers sales opportunities and solutions for:

Small Business Owners Currently Enrolled in Individual Market Coverage
The SEP permits small business owners to upgrade into group medical insurance, unlocking advantaged rates and plan offerings compared to individual and family policies. We can help you present these to your small business clients.
Dual-Carrier Groups Struggling to Meet Participation Thresholds
Small employers offering coverage from two carriers (aka dual-carrier groups) where meeting enrollment quotas with one carrier is problematic. The SEP waives these requirements – making compliance much easier.
Groups Preferring Lower Employer Premium Contributions Than Are Otherwise Required
Because the SEP eliminates monthly employer premium payment obligations, it empowers budget-conscious small businesses to enroll employees in group health benefits without increasing operating expenses.

Please note: the Special Enrollment Period is different than the relaxed participation promotions. These carrier promotions are usually offered for a specific time period and may be discontinued at any time.

Contact us today to help your clients take advantage of the SEP.

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

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Cigna + Oscar Withdraws from The Small Group Market

2024 Small Group SEP Carrier Guide