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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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ACA/Healthcare Reform

Are members of a health care sharing ministry subject to the individual mandate?

Individuals who are members of a recognized health care sharing ministry are exempt from the individual mandate.

To qualify, a health care sharing ministry:

  1. must be a 501(c)(3) organization and be exempt from taxation under section 501(a)
  2. members of which must share a common set of ethical or religious beliefs and share medical expenses among members without regard to the state in which a member resides or is employed
  3. members of which must retain membership even after they develop a medical condition
  4. must have been in existence at all times since Dec. 31, 1999, and medical expenses of its members must have been shared continuously and without interruption since at least Dec. 31, 1999
  5. must conduct an annual audit performed by an independent CPA in accordance with generally accepted accounting principles and which is made available to the public upon request.

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.

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