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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.
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Easily help your small business clients and their employees choose the right Health Savings Account (HSA), Health Reimbursement Arrangement (HRA), and Flexible Spending Account (FSA) plan during open enrollment with the Sterling Administration HSA, HRA, and FSA Comparison Guide.
HSA, HRA, and FSA Comparison Guide
Health Savings Account (HSA)
Employers minimize health benefit costs by offering high-deductible health plans (HDHPs) paired with HSAs which require less paperwork than traditional plans, reducing administrative costs. HSAs provide employees added value: unspent funds aren’t forfeited, contributions, growth and withdrawals see triple tax savings, there is investment growth potential, and employees have the option to pay for non-medical expenses from the HSA if needed. Pairing an HDHP with an HSA cuts employer costs while giving employees a valuable, flexible health savings option.
Health Reimbursement Arrangement (HRA)
HRAs encourage employees to be smart healthcare consumers. With an HRA, employers set aside annual funds for employees to use towards health expenses like deductibles and coinsurance not covered by their regular plan. Only employers contribute to these accounts, which offer flexibility in design to meet specific needs. As one of the most adaptable benefits, HRAs are an attractive option for employers to help employees pay healthcare costs.
Flexible Spending Account (FSA)
FSAs are frequently paired with traditional health plans since HDHP enrollment is not required. Traditional plans limit out-of-pocket expenses, allowing employees to better estimate annual medical expenses by calculating projected copays, deductibles, coinsurance, etc. FSAs are intended for spending on healthcare expenses within the plan year, though some plans build in added flexibility
Get Help with HSAs, HRAs, and FSAs
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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