2025 Small Group SEP Carrier Guide

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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.

Oct 17, 2024, 2 Minute Read

The small group Special Enrollment Period (SEP) is a valuable opportunity to grow your book and help small businesses that are typically ineligible for group coverage.

During the small group SEP, November 15 to December 15, insurance carriers are required by law to accept applications from small groups (1-100 employees) without participation or employer contribution requirements. This limited time opportunity is the perfect chance to offer coverage solutions, even to businesses that don’t meet the usual criteria.

Did You Know SEP Offers:

Zero participation requirements: Only one enrolled employee is needed.
No minimum employer contribution required: Greater flexibility for your clients.
Coverage effective date: January 1, 2025.

SEP Is a Great Solution For:

Small Business Owners Currently Enrolled in Individual Market Coverage
The SEP permits small business owners to upgrade into group medical insurance, unlocking advantaged rates and plan offerings compared to individual and family policies. We can help you present these to your small business clients.
Dual-Carrier Groups Struggling to Meet Participation Thresholds
Small employers offering coverage from two carriers (aka dual-carrier groups) where meeting enrollment quotas with one carrier is problematic. The SEP waives these requirements – making compliance much easier.
Groups Preferring Lower Employer Premium Contributions Than Are Otherwise Required
Because the SEP eliminates monthly employer premium payment obligations, it empowers budget-conscious small businesses to enroll employees in group health benefits without increasing operating expenses.

Our easy-to-use Carrier SEP Guide for January 2025 medical coverage can help you and your small groups quickly compare carrier deadlines and details.

Carrier SEP Guide

Please note: the Special Enrollment Period is different than the relaxed participation promotions. These carrier promotions are usually offered for a specific time period and may be discontinued at any time.

Contact us today to help your clients take advantage of the SEP.

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

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Cigna + Oscar Withdraws from The Small Group Market

2025 Small Group SEP Carrier Guide