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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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Covered CA

What happens if half of an employer’s employees would be better off applying for individual coverage rather than group coverage, because they could be eligible for premium assistance and cost-sharing reductions?

Waiving coverage to enroll in the Individual Marketplace is not a valid waiver. Hence, 50% participation due to employees enrolling in the Individual Marketplace will make the employer ineligible for Covered California for Small Business since the participation requirement for Covered California for Small Business is 70%. However, the group can enroll during the special open enrollment period. In the small group market, a health insurance issuer may limit the availability of coverage to an annual enrollment period from November 15 till December 15 of each year if the employer is unable to meet employer contribution or group participation requirements.

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.