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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.
Login To PrismIf an employer offers affordable and minimum value coverage to employees but does not contribute to the dependents’ premium (including the spouse), can the dependents still qualify for premium assistance and cost sharing reductions?
When dependent coverage is “offered” in an employer-sponsored plan (regardless of employer contribution to the dependent coverage) subsidy eligibility will be dependent on the affordability of the employee-only share of premium costs and if those costs exceed 9.5% of the employee’s household income. Costs for dependent coverage are not part of the affordability calculation with respect to employer-sponsored coverage. So if the employer’s offer of coverage is affordable according to this measure, neither the employee nor the dependents will be subsidy eligible.
There may be a more recent answer to this question. Contact Claremont for an update.