Update: Virtual Blue, Competitive Q3 Rates, and
Small Business Broker Incentive

A few timely reminders on Blue Shield as you head into Q3 renewals:

• Q3-2026 rates are available. Average statewide rate action of just 3.6% (2.7% HMO/3.8% PPO).
• Virtual Blue is now included in all Small Group off-exchange PPO plans, replacing Teladoc and Nurse Help 24/7 with a more robust virtual care benefit. In addition to primary care, Virtual Blue also includes specialty care and behavioral health. Providers speak 25+ languages. $0 co-pay on virtual primary, specialty, and behavioral health visits.
• Broker Incentive Program: Earn points on every member of new group enrollments with effective dates 2/1/26 – 1/1/27. Earn 25 pts/medical, 10 pts/dental, 2x multiplier when a member enrolls in all three lines.

Get the details and contact us today for a Blue Shield quote.

Wellness Rewards, $0 Deductibles, and More in 2026

Health Net's Wellness Rewards Program is an easy benefit to sell and a real value-add for your employer groups. Here's the quick version:

• Members earn up to $100 through the Core Wellness Program (RealAge Test, health coaching, wellness challenges).
• Members earn up to $100 more in 2026 bonus campaigns (Eat Right Now, Craving to Quit, coaching enrollment).
• Rewards delivered as Virtual Visa or Amazon/Instacart gift cards.

Plus a few reminders on why Health Net is worth considering for your groups:

• $0 deductibles on all HMO plans — the only carrier offering this.
• No participation requirements for groups of 10+ enrolling.
• Broad network including all Sutter facilities.

Want to learn more? Register for the Health Net webinar on Small Group Wellness Programs on May 28th at 10:00 a.m. PT. Get the details.

Q3 Market Intelligence Reports – Top 20 Lowest Cost Medical Plans and Top 3 Carrier Price Comparison

Your clients are feeling the squeeze on health plan costs and the brokers winning new groups aren't guessing on price, they're working from better data. Stay ahead this quarter with two tools designed to help you prospect smarter, prioritize renewals, and deliver real value.

Q3-2026 Top 20 Lowest Cost Medical Plans Reports

• Compare the most competitive broad and narrow network options statewide.
• View all four metal tiers for each rating region on a single page.
• Identify the lowest cost options for price-conscious clients.
• Qualify prospects quickly and get current on the market—no exhaustive quotes required.

Q3-2026 Top 3 Carrier Price Comparison

• Color-coded by region and metal tier for instant readability.
• Compare top-selling PPO plans from Blue Shield, Anthem, and Health Net statewide.
• Spot savings opportunities at a glance.
• Identify potential clients and prioritize your most urgent renewals.

Both reports are updated quarterly and built to get you in front of clients with the right information at the right time. Get the Q3-2026 Top 20 Reports and the Top 3 Carrier Price Comparison.

As always, we'll keep you informed about healthcare issues and news affecting you and your clients. Our knowledgeable team is here to help you succeed.

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