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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 PrismIndividual Marketplace – Commissions are set by each carrier in the exchange.
Covered California for Small Business – Yes.
Commissions are paid by each health insurance company according to the Agent’s active commission schedule at the time of enrollment. Certified Insurance Agents must be directly appointed by each of the health insurance companies in Covered California to receive commissions from the health insurance company. The commission rate is the same rate as non-exchange business.
Covered California for Small Business commissions are paid by Covered California. See commission schedule: https://www.claremontcompanies.com/wp-content/uploads/2015/12/CCSB-2016-Agent-Commission.pdf
Certified Insurance Agents must be appointed by Covered California to receive commissions. Agents do not need to secure appointments with each of the carriers in Covered California for Small Business. Agents will be appointed under the Covered California for Small Business Master Agent Agreement and agents will then have sub-appointments with all participating Covered California for Small Business carriers. The Certified Insurance Agent Agreement includes full vesting language with familiar terms. Agents can be assured that business sold during the year is secured under the agreed-upon commission rate.
Commissions are based on the gross premium and not the net premium.
Certified Insurance Agents (CIAs) receive $58 for each approved Medi-Cal application when:
Certified Insurance Agents are permitted to split or share commissions provided the other agent is also a Certified Insurance Agent authorized to sell through Covered California. The Covered California for Small Business system does not automatically allow for commission splits but agents can make their own split arrangements until such a feature is made available in Covered California for Small Business. In the individual marketplace, since commissions will be paid by each health insurance company how commissions will be split will depend on the health insurance company’s policies and procedures.
There will be a field in the application to designate the agent.
Yes, the applicant can send a letter to Covered California designating their agent.
Individual Marketplace – Since commissions will be paid by each health insurance company it would depend on the health insurance company’s policies and procedures. However, each agent must be certified with Covered California to transact business with Covered California.
Covered California for Small Business – Each agent must be certified with Covered California to be appointed by Covered California. Agents do not need to secure appointments with each of the carriers in Covered California for Small Business. Agents will be appointed under the Covered California for Small Business Master Agent Agreement and agents will then have sub-appointments with all participating Covered California for Small Business carriers.