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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.

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ACA/Healthcare Reform

What is an FTE?

An FTE is a full-time equivalent employee. For purposes of the tax credit, a full-time employee is one that works on average 40 hours per week or 2,080 hours per year. So for example two 20-hour/week employees = 1 FTE. To calculate the number of FTE’s, add up all hours worked (max hours/employee is 2,080, even if they worked OT) and divide by 2,080. If the result is a fraction, then round down to the nearest whole number.

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 materials@claremontcompanies.com.