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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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First Time Coverage – COVID’s Hot New Market Segment

Debut Coverage Program

While COVID has dramatically transformed the lives and businesses of employers across the state, not everything has been grim. Since the pandemic began, we’ve seen:

  • A dramatic uptick in new, start-up businesses.
  • The creation of entire new industries stemming from pandemic demands.
  • More companies offering a robust benefits package resulting from a tightened job market and a need to recruit and retain skilled employees.
  • Increased employee demand for employer-sponsored healthcare.

What This Means for California Brokers

New business opportunities! Claremont has a special program for employers new to offering group health insurance. It’s called our Debut Coverage Program. When you partner with Claremont, we’ll give you all the tools and resources necessary to identify, evaluate and qualify these employer groups, improve your close ratio, and minimize your time spent with non-buyers.

Identifying The First Time Coverage Market

Business Stats

Qualifying Employers for Our Debut Coverage Program

When you sell to an employer who is not offering employee benefits, you need to:

  • Educate them on the basics of how the small group (1-100) market works – like minimum contribution, plan types, and metal tiers.
  • Understand their coverage needs.
  • Determine if the business will qualify for the coverage they desire.
  • Assess if they’re ready and willing to buy benefits.

Claremont will help you turn that minefield into a goldmine.

Debut Coverage Program Simplified

When you partner with Claremont, we’ll:

  • Provide prospecting and educational tools targeted to businesses without medical benefits.
  • Pre-assess and pre-qualify prospects for small group benefits.
  • Identify best-fit carrier options.
  • Assign expert underwriters to ensure a smooth application process.
  • Teach employers and employees how to use benefits, stay compliant, and process administrative changes.

To start cashing in on the booming first time coverage market, contact The Answer Team today at 800.696.4543 or


1Census Bureau’s Business Formation Statistics.
2Analysis of data that the U.S. Census Bureau developed with economists and the federal reserve.
3US Small Business Administration
4Center for American Entrepreneurship


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