2026 Small Group SEP Carrier Guide

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PRISM - Stop, Do Not Quote Health Net

Health Net Is Exiting the California Group Market
Health Net will no longer offer small or large group coverage in CA. In-force groups terminate February 28, 2027. Your Claremont team is ready to help find alternatives. Call 800.696.4543 or email quotes@claremontcompanies.com.

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Oct 30, 2025, 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, 2026.

SEP Is a Great Solution For:

Small Business Owners Currently Enrolled in Individual Market Coverage
The SEP permits small business owners to upgrade to group medical insurance, unlocking advantageous 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 2026 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.