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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 or 800.696.4543. Please note: the last day of coverage will be December 14, 2025.

For assistance, please contact our Quotes team at or 800.696.4543.

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Sterling HSA

Sterling Health Services Administration is an independent, privately held company that specializes in administering health savings accounts (HSAs), health reimbursement arrangements (HRAs), flexible benefit plans (FSAs and transportation benefits), premium only plans (POPs), and COBRA.

Prepare your small group renewals with our helpful resources. And check out the broker bonuses and commissions.

New Business Submission Deadlines
Effective DatesDeadlines

COBRA/HSA/FSA/POP 15 days prior to the effective date.

New Group Submission Instructions

New Group Submissions

Claremont Insurance is here to assist you by providing carrier and product information, plan quotes and comparisons, employer presentations, open enrollment assistance and more for a variety of products offered by California’s premier insurance carriers.

Plan summaries, information about HSA-compatible High Deductible Health Plans and Sterling HSA plan administration are always available through Claremont.

If you are ready to enroll your group with Sterling HSA, please visit the Forms and Documents page for the required paperwork.

Questions regarding high deductible health plans or HSA administration can be directed to:

High deductible health plan benefit summaries can be ordered via or call our broker service representatives at 800.696.4543 to make your request.

Thank you for choosing Claremont Insurance Services.

Please submit your new group enrollment information to Claremont:

  • Electronically with our secure online service OR
  • By mail: 1000 Burnett Avenue, Suite 330, Concord, CA 94520.

Business Hours: 8:00 am to 5:00 pm, Monday – Friday

Need more information or assistance?
Contact The Answer Team at 800.696.4543 or



Founded by health insurance industry experts, Sterling HSA offers a comprehensive range of services, including education, knowledgeable and personable customer service, claims & account supervision, payment of medical bills, the reporting necessary to establish and manage the HSA, and more.

Products & Services

Health Savings Account (HSA) is like a medical IRA. Money can be used for medical expenses today or saved for the future. The money in the HSA account can be used for any “qualified medical expense” permitted under Federal law, including dental and vision care. There are many advantages to putting money into health savings accounts, including favorable tax treatment.

Health Reimbursement Arrangements (HRAs) are defined contribution plans that employers own and control for the benefit of their employees. HRAs are 100% employer funded and represent an employer’s commitment to pay for certain healthcare expenses for their employees. Employers set the coverage “rules” for HRAs, but they are governed by Section 105(H) of the IRS Code. HRAs are considered group health plans and are subject to COBRA, ERISA, and HIPAA regulations.

Flexible Spending Accounts (FSAs) commonly called  Flexible Benefit Plans, give employers and employees a great way to pay for healthcare costs and realize substantial tax savings. Through payroll deduction, employees purchase “qualified benefits” that may not be included in their gross income. The tax-advantaged money set aside in FSAs can be used to pay for qualified medical expenses, dependent care, and transportation costs.

Sterling offers:

• Healthcare FSAs.
• Limited Purpose or Post Deductible FSAs to coordinate Healthcare FSAs with other plans.
• Dependent Care FSAs.
• Transit and parking benefits.

Section 125 Premium Only Plan (POP), allows employees to increase take-home pay and improve benefits. A POP allows employees to pay their portion of eligible employer-sponsored premiums and benefits – such as health, dental, vision, and health savings account (HSA) contributions with pre-tax dollars.

The Consolidated Omnibus Budget Reconciliation Act (COBRA) of 1985 requires employers of 20 or more full-time equivalent employees to offer their employees the opportunity to continue their group healthcare coverage under the employer’s plan, if the coverage would end due to employee termination, layoff, or certain other employment status changes (referred to as “qualifying events”). This includes any event that changes the employee’s eligibility for benefits except gross negligence. The continuation of coverage applies to surviving spouses, ex-spouses, and dependents of employees as well.

For more information, contact us at 800.696.4543 or

More information is available. Contact Claremont Insurance Services at 800.696.4543 or

In our library, you’ll find carrier forms, applications, enrollment kits, broker bonuses, marketing resources, and more (video tutorial). However, not all carrier forms are available online.

If you don’t find what you are looking for, contact our team for help at 800.696.4543 or