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Why Choose Health Net?
✔ Lowest rates in the market – Affordable options without compromising quality.
✔ Robust PPO network – Competes with major carriers like Anthem and Blue Shield.
✔ Flexible HMO options – Networks to fit nearly every group statewide and every budget.
✔ Simplified underwriting – Only 25% participation required for groups with 5+ enrolling. No DE9C or prior carrier bill needed.
✔ Easy-to-sell benefits – $0 deductible HMO plans + four years of rate stability.
✔ Nationwide coverage – Cigna network access for out-of-state employees + state plurality rules for group qualification.
Start Including Health Net in Your Quotes Today!
Need guidance on networks, plan designs, or have questions? We’re here to help!
Call us at 800.696.4543 | Email us at info@claremontcompanies.com.
Login To PrismDuring the call, Health Net will review the following tools designed to simplify doing business:
When:
Wednesday, August 12th
10:00 a.m. PST
Learn more about Health Net’s versatile health plans, ancillary coverage, wellness programs, and value-added services.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
As brokers continue migrating groups from Ease to Employee Navigator, Employee Navigator has announced two upcoming training series. Whether you’re new to the platform or want a deeper look at how integrations work, these sessions are a good investment — and Claremont’s team is on hand to help before, during, and after.
This webinar covers how carrier, payroll, and TPA integrations work on Employee Navigator, and how brokers can use them to run more efficiently and grow their business.
These sessions focus specifically on how to use the migration tool to move groups from Ease to Employee Navigator — a practical walkthrough for brokers actively managing that transition.
Can’t attend one of these dates? Additional training sessions are ongoing — reach out to us and we’ll point you to the next available option.
Claremont Is Here to Help
Beyond these trainings, your Claremont team is well-versed in Employee Navigator and ready to support you directly — whether that’s answering setup questions, walking through the migration tool with you, or troubleshooting an issue with a specific group. You don’t have to navigate this transition alone.
Questions or ready to get started? Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Covered California for Small Business (CCSB) is pleased to announce that Western Health Advantage is rejoining the small business exchange for the 2027 plan year!
The return of Western Health Advantage will bring greater employer and employee choice and affordability to the Greater Sacramento and North Bay regions. By expanding carrier options in these markets, Covered California for Small Business continues to strengthen access to competitive, quality coverage for small businesses and their employees. Western Health Advantage plans will be available for quoting beginning in October for January 1 effective dates.
This announcement comes as CCSB continues to experience steady, incremental growth. CCSB currently serves 9,700 enrolled employer groups and roughly 80,000 total members. With the addition of Western Health Advantage, CCSB now has partnerships with four health carriers: Blue Shield of California, Kaiser Permanente, Sharp Health Plan, and Western Health Advantage.
CCSB is excited about the additional value this returning carrier will bring to brokers and employer groups, and looks forward to sharing more information about 2027 plans and availability in the months ahead. Thank you for your continued partnership and for the important role you play in connecting California small businesses with coverage that meets their needs.
In addition to California’s most comprehensive access to doctors and hospitals, CCSB health plans offer choice and control, with:
As a trusted CCSB partner since its 2014 launch, we are a top-producing general agency in our sales territory. From agent certification and quoting to assessing new group eligibility and resolving post-enrollment issues, our CCSB experts will provide guidance and support every step of the way.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Blue Shield Small Business leadership team invites you to join a webinar session to learn how they are prioritizing ease of doing business in 2027 and beyond. During the webinar, the team will share steps Blue Shield is taking to improve the broker experience and product offerings. Time will be reserved for answering your questions at the end of the session. Hosted by:
When?
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Hear the latest from Health Net’s leadership team, including Q4-2026 small group rate and benefit updates, underwriting promotions, and healthcare cost drivers & market trends.
Date & Time
Learn more about Health Net’s competitive and stable pricing, value-added programs, flexible guidelines, and other key updates for the quarter.
Get practical insights to stay ahead of market changes, refine your strategy, and better support your clients.
Learn more about Health Net’s versatile health plans, ancillary coverage, wellness programs, and value-added services.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
If you’ve seen headlines about a new health insurance tax in California, here’s what’s actually happening and why it matters for the small group business you write.
What Is the MCO Tax?
The Managed Care Organization (MCO) tax is a tax the state levies on health plans, with the revenue used to draw down matching federal funds that support the Medi-Cal program — including provider rate increases in primary care, maternity care, and behavioral health. It’s existed in various forms since 2023 under Assembly Bill 119 and Assembly Bill 160, and the current version is set to expire December 31, 2026.
Why Is It Changing?
Under the current structure, California taxes Medi-Cal managed care plans at a higher rate than commercial plans. New federal rules — part of the 2025 federal budget reconciliation law — prohibit that kind of disparity going forward. States can no longer tax Medicaid plans more heavily than commercial ones. California has until January 1, 2027 to bring its tax structure into compliance.
What’s in the New Tax (SB 125)?
To comply, the state passed a redesigned MCO tax as part of the 2026-27 state budget (SB 125, signed into law in late June 2026). Key details:
What This Could Mean for Small Group Premiums
Because the new tax applies to commercial plans at the same rate as Medi-Cal plans — rather than a lower rate, as under the current structure — there’s meaningful potential for this cost to be passed through to small group premiums if carriers choose to do so. Public estimates have put the potential impact in the range of a few hundred dollars per year for a family of four, though actual impact will vary by carrier and hasn’t been confirmed by any of our carrier partners.
What’s Still Uncertain
This tax is not yet final. It requires federal approval from the Centers for Medicare & Medicaid Services (CMS) before California can begin collecting it, and that approval is not guaranteed. If approved, the earliest effective date would be January 1, 2027.
We’ll continue to monitor this and update you as carriers release specific rate guidance for 2027 plans.
Learn More:
As brokers continue migrating groups from Ease to Employee Navigator, Employee Navigator has announced two upcoming training series. Whether you’re new to the platform or want a deeper look at how integrations work, these sessions are a good investment — and Claremont’s team is on hand to help before, during, and after.
This webinar covers how carrier, payroll, and TPA integrations work on Employee Navigator, and how brokers can use them to run more efficiently and grow their business.
These sessions focus specifically on how to use the migration tool to move groups from Ease to Employee Navigator — a practical walkthrough for brokers actively managing that transition.
Can’t attend one of these dates? Additional training sessions are ongoing — reach out to us and we’ll point you to the next available option.
Claremont Is Here to Help
Beyond these trainings, your Claremont team is well-versed in Employee Navigator and ready to support you directly — whether that’s answering setup questions, walking through the migration tool with you, or troubleshooting an issue with a specific group. You don’t have to navigate this transition alone.
Questions or ready to get started? Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Health Net has clarified the participation requirement language used in recertification notices for groups with only one enrolled employee — so if your group received one of these recently, here’s what it actually means.
The requirement, clarified: For groups where only the owner is currently enrolled, Health Net requires that the group have at least one eligible W-2 employee — someone who is not an owner or spouse of an owner. That employee does not need to enroll in coverage to satisfy the requirement; they simply need to be eligible and on payroll. A group where the owner is the only enrolled participant can remain qualified for small group coverage as long as this condition is met.
Why we’re sharing this: Some recent recertification notices used language that could be read as requiring the eligible employee to enroll, rather than simply exist. Health Net has confirmed the correct standard and is updating notice language going forward to reduce confusion.
What this means for your groups: If a client receives a recertification notice, there’s no need to enroll an additional employee to maintain eligibility — just confirm they have at least one eligible W-2 employee who isn’t an owner or spouse of an owner on payroll.
Health Net covers a wide range of group situations — from lean startups to established employers with complex carrier arrangements. If you have a group that’s been tough to place, it’s worth the conversation.
Questions? Reach out to your Claremont team for a full Health Net overview and quoting support.
Learn more about Health Net’s versatile health plans, ancillary coverage, wellness programs, and value-added services.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Principal Financial Group® has announced an agreement to acquire Beam Benefits. The transaction is expected to close during the second half of 2026, subject to customary regulatory approvals. Beam and Principal will continue to operate as separate companies until the acquisition is finalized.
At This Time
What’s Not Yet Determined
Beam has indicated that additional information regarding future operational changes will be shared after the transaction closes.
As Beam’s general agency partner, we’re monitoring this announcement closely and will share verified updates with our broker partners as more information becomes available.
Key takeaway: There is no action required for brokers or employer groups at this time.
For additional information, refer to Beam’s FAQ and official announcement.
Questions about your Beam business? Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Looking for another competitive option for Bay Area groups? Balance by CCHP can be an excellent complement to Blue Shield or Kaiser, giving employers a lower-cost HMO choice for employees who live in San Francisco, San Mateo, or Alameda counties. It’s an easy way to expand plan choice while helping clients manage healthcare costs.
Many employers offer a primary carrier and add Balance as a lower-cost HMO option, giving employees who live within the service area access to a robust local network at a competitive price.
Why quote Balance by CCHP?
Broker Takeaway
If you’re quoting groups with employees in San Francisco, San Mateo, or Alameda counties, consider adding Balance by CCHP alongside Blue Shield or Kaiser. It gives employers a competitive lower-cost HMO option while expanding employee choice—a simple way to strengthen your proposal without changing your overall quoting strategy.
Request a quote or learn more about when Balance by CCHP may be the right fit for your clients.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.