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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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HR Compliance

Heartland’s custom-built HRIS solution integrates directly with the client’s payroll system to offer your clients and their employees personalized support, 24/7. If you have employees, you have human resources duties. From benefits questions to harassment complaints, having staff can be tumultuous. Heartland’s HR solution was designed to support any size business in three key areas: staff management, HR/Labor law compliance, and protecting your HR data.

Broker Friendly Payroll Solution

It’s about time payroll was made easy. Help your clients balance their business’ time and attendance, human resources administration, tax reporting, and more in one online, integrated suite. Whether your clients are looking for an easier way to pay employees or maintain compliance with the state’s HR laws, Heartland provides payroll services to businesses large and small with their customizable solutions.

An excellent solution to block payroll companies from taking broker of record on your clients, Heartland will not compete with brokers by selling benefits, and their Ease integration means your clients will have a complete electronic payroll and benefits platform that works seamlessly. Learn more.

For the best client care, your clients are assigned to a personal service representative who will serve as the point person for all service-related needs. For HR support, Heartland provides access to HR professionals who are available for guidance on HR issues, state-specific, and industry-related labor law questions/needs, and customizable documents.

Get Contact Information

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