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PRISM - Health Net is Now Available Through Claremont!
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!
A benefit your clients’ employees will actually notice — and use. Plus a few reminders on why Health Net remains a strong option in today’s market.
Core Wellness Program — Up to $100/year per member
$50 — Complete the RealAge Test
$25 — PCP Self-Attestation or Health Coaching Call
$25 — Participate in two programs: Monthly Wellness Challenges, Eat Right Now, or Craving to Quit
2026 Bonus Campaigns — Up to $100 More
Campaign
Activity
Timeframe
Reward
Start Strong
RealAge Test
2/1–3/31
$25 Amazon
Grocery Giveaway
RealAge Test
8/1–9/30
$25 Instacart
Coaching
Enroll + Complete One Call
Year-round
$25 Amazon
Eat Right Now
Enroll in Program
Year-round
$25 Amazon
Craving to Quit
Enroll in Program
Year-round
$25 Amazon
Broker Talking Points
Gift cards resonate with employees — easy to explain at open enrollment
Drives benefit utilization, which employers care about at renewal
$0 deductibles + wellness rewards = a compelling package to present
Full wellness program scope includes mental health, Teladoc, Active&Fit discounts, and more
Supporting Sharecare flyers available — contact our office for materials
Don’t Miss: Health Net Small Group Wellness Webinar
Health Net is hosting a broker webinar covering the full range of no-cost wellness programs available to Small Group employers and their members.
Date: May 28, 2026
Time: 10:00 a.m. Pacific
Presenter: Lora Maloof-Miller, Health Net Program Manager for Wellness & Quality Improvement
$0 deductibles on all HMO plans — the only carrier in the market offering this
No participation requirements for groups of 10+ enrolling
Competitive pricing with a broad network, including all Sutter facilities
Why Brokers Choose Health Net? Flexibility that fits most clients:
Enhanced Choice — 4+ Enrolling Employees
Mix and match any HMO and PPO plans — no network restrictions
No DE9C, payroll records, prior carrier bill, or ownership documents required
No waivers needed for groups with 10 or more enrolled
4–9 enrolled: only 25% participation required (employees on another carrier don’t count against the threshold)
10+ enrolled: zero participation requirement, no waivers when not paired with Life or Employer-paid Dental/Vision
Flexible Underwriting — Startups & PEOs
Works for startups of any size — even groups of one — with just two weeks of payroll
Mix and match from all 61 Health Net plans
Can be written alongside any carrier, with no limit on the number of carriers as long as participation is met
Groups of 1–3 enrolling require 70% participation; PEO subgroups accepted with a quarterly wage report or two weeks of payroll
Household employers accepted with a DE9C or DE-1HW
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.
Health Net Advantages
Lowest rates in the market – Affordable plans without sacrificing quality.
Robust PPO network – Competes directly with major carriers like Anthem and Blue Shield.
$0 HMO plans – Broad statewide access tailored to fit any group or budget.
Simplified underwriting – Works alongside other carriers, with only 25% participation required for groups with 4+ enrolling. No DE9C or prior carrier bill needed.
Easy-to-sell benefits – $0 deductible HMO plans, choose from 61 plan options, and five years of rate stability.
Nationwide coverage – Cigna network access for out-of-state employees and state plurality rules for group qualification.
Learn more about Health Net’s versatile health plans, ancillary coverage, wellness programs, and value-added services.
Competitive rates get attention, but Health Net’s underwriting flexibility might be the real reason to bring this solution to your clients.
If Health Net hasn’t been top of mind for your groups, it’s worth a second look. Beyond competitive pricing, Health Net matches the major carriers on network breadth — so disruption risk is low. Out-of-state employees plug into the Cigna network for solid coverage, and $0 deductible HMO plans mean first-dollar benefits from day one.
The story gets even better when you look at their Simplified Underwriting Program. Relaxed paperwork requirements make placement faster and easier — two tracks cover nearly every group scenario you’ll encounter.
Enhanced Choice — 4+ Enrolling Employees
Mix and match any HMO and PPO plans — no network restrictions
No DE9C, payroll records, prior carrier bill, or ownership documents required
No waivers needed for groups with 10 or more enrolled
4–9 enrolled: only 25% participation required (employees on another carrier don’t count against the threshold)
10+ enrolled: zero participation requirement, no waivers when not paired with Life or Employer-paid Dental/Vision
Flexible Underwriting — Startups & PEOs
Works for startups of any size — even groups of one — with just two weeks of payroll
Mix and match from all 61 Health Net plans
Can be written alongside any carrier, with no limit on the number of carriers as long as participation is met
Groups of 1–3 enrolling require 70% participation; PEO subgroups accepted with a quarterly wage report or two weeks of payroll
Household employers accepted with a DE9C or DE-1HW
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.
Health Net Advantages
Lowest rates in the market – Affordable plans without sacrificing quality.
Robust PPO network – Competes directly with major carriers like Anthem and Blue Shield.
$0 HMO plans – Broad statewide access tailored to fit any group or budget.
Simplified underwriting – Works alongside other carriers, with only 25% participation required for groups with 4+ enrolling. No DE9C or prior carrier bill needed.
Easy-to-sell benefits – $0 deductible HMO plans, choose from 61 plan options, and five years of rate stability.
Nationwide coverage – Cigna network access for out-of-state employees and state plurality rules for group qualification.
Learn more about Health Net’s versatile health plans, ancillary coverage, wellness programs, and value-added services.
Get practical insights to stay ahead of market changes, refine your strategy, and better support your clients.
Health Net Advantages
Lowest rates in the market – Affordable plans without sacrificing quality.
Robust PPO network – Competes directly with major carriers like Anthem and Blue Shield.
$0 HMO plans – Broad statewide access tailored to fit any group or budget.
Simplified underwriting – Works alongside other carriers, with only 25% participation required for groups with 4+ enrolling. No DE9C or prior carrier bill needed.
Easy-to-sell benefits – $0 deductible HMO plans, choose from 61 plan options, and five years of rate stability.
Nationwide coverage – Cigna network access for out-of-state employees and state plurality rules for group qualification.
Learn more about Health Net’s versatile health plans, ancillary coverage, wellness programs, and value-added services.
Hosted by Crystal Given and Ryan Bradley, with Guest Speaker Dr. Todd May.
Health Net Advantages
Lowest rates in the market – Affordable plans without sacrificing quality.
Robust PPO network – Competes directly with major carriers like Anthem and Blue Shield.
$0 HMO plans – Broad statewide access tailored to fit any group or budget.
Simplified underwriting – Works alongside other carriers, with only 25% participation required for groups with 4+ enrolling. No DE9C or prior carrier bill needed.
Easy-to-sell benefits – $0 deductible HMO plans, choose from 61 plans options, and five years of rate stability.
Nationwide coverage – Cigna network access for out-of-state employees and state plurality rules for group qualification.
Learn more about Health Net’s versatile health plans, ancillary coverage, wellness programs, and value-added services.
Stay informed with the latest industry insights from Health Net’s Executive Sales Team. Don’t miss the next session in the Health Net Market Insights Webinar Series, hosted by Commercial Officer Alyson Stone.
This quarter’s agenda features timely updates and market expertise, including:
Regulatory and Legislative Updates – Jason Gabhart, Government Affairs Advocate
Gain valuable knowledge to help you navigate evolving market trends, strengthen your strategy, and better serve your clients.
Health Net Advantages
Lowest rates in the market – Affordable plans without sacrificing quality.
Robust PPO network – Competes directly with major carriers like Anthem and Blue Shield.
$0 HMO plans – Broad statewide access tailored to fit any group or budget.
Simplified underwriting – Works alongside other carriers, with only 25% participation required for groups with 4+ enrolling. No DE9C or prior carrier bill needed.
Easy-to-sell benefits – $0 deductible HMO plans, choose from 61 plans options, and five years of rate stability.
Nationwide coverage – Cigna network access for out-of-state employees and state plurality rules for group qualification.
Learn more about Health Net’s versatile health plans, ancillary coverage, wellness programs, and value-added services.
Health Net announced plan and rate updates for Q2 effective dates, plus continued simplified underwriting:
Quarterly Rate Change (may vary by plan and region)
HMO: 3.9%
PPO: 3.9%
Health Net Continues to Feature Simplified Underwriting for 2026
Enhanced Choice
4+ enrolling minimum.
No DE9C, payroll, prior carrier bill or ownership documents are required.
No waivers for 10+ enrolling employees
No participation attestation
Minimum enrollment and participation
4-9 enrolling employees:
25% participation is required (coverage with another carrier does not count against the 25% participation)
For census enrollment, waiving employees may be listed on the census in lieu of providing waivers. Health Net only requires enough waivers to verify that the group meets participation.
10+ enrolling employees:
No participation requirement and no waivers (when not paired with Life or Employer paid Dental/Vision)
Flexible Underwriting
2 weeks of payroll for a Startup Group of any size (down to 1)
Household employer groups now accepted.
Mix and match any of Health Net’s 61 plans.
Health Net can be written alongside any carrier, no limit to the number of carriers if participation is met.
Standard guidelines:
70% participation for groups of 1-4 enrolling.
25% participation for groups of 5-100 enrolling – not a promotion!
Health Net accepts PEO subgroups with a quarterly wage report or 2 weeks of payroll from the PEO.
Health Net Advantages
Lowest rates in the market – Affordable plans without sacrificing quality. Compare with Anthem and Blue Shield.
Robust PPO network – Competes directly with major carriers like Anthem and Blue Shield.
$0 Deductible HMO plans – Broad statewide access tailored to fit any group or budget.
Simplified underwriting – Works alongside other carriers, with only 25% participation required for groups with 5+ enrolling. No DE9C or prior carrier bill needed.
Easy-to-sell benefits – $0 deductible HMO plans and four years of rate stability.
Nationwide coverage – Cigna network access for out-of-state employees and state plurality rules for group qualification.
Learn more about Health Net’s versatile health plans, ancillary coverage, wellness programs, and value-added services.
Health Net launched a new Find a Provider tool on September 25, offering members a faster and more reliable way to search for in-network providers by plan, specialty, and location.
Key Benefits
Streamlined Search:The tool supports Health Net’s digital transformation, making provider searches quicker and simpler for members.
Unified Experience:Members can search across all Health Net plans through a single, easy-to-use interface.
Improved Access:Prospective and current members benefit from a single-entry point, leading to faster and more dependable results.
Additional Improvements
Increased digital engagement and reduced support inquiries.
Enhanced member satisfaction through easier access to care.
Health Net will be communicating directly to members by a website pop-up on HealthNet.com and MyHealthNetCA.com during the roll out.
Health Net Advantages
Lowest rates in the market – Affordable plans without sacrificing quality.
Robust PPO network – Competes directly with major carriers like Anthem and Blue Shield.
Flexible HMO options – Broad statewide access tailored to fit any group or budget.
Simplified underwriting – Works alongside other carriers, with only 25% participation required for groups with 5+ enrolling. No DE9C or prior carrier bill needed.
Easy-to-sell benefits – $0 deductible HMO plans and four years of rate stability.
Nationwide coverage – Cigna network access for out-of-state employees and state plurality rules for group qualification.
Learn more about Health Net’s versatile health plans, ancillary coverage, wellness programs, and value-added services.
Join Health Net’s September Market Insights Webinar
Stay informed with the latest industry insights from Health Net’s Executive Sales Team. Don’t miss the next session in the Health Net Market Insights Webinar Series, hosted by Commercial Officer Alyson Stone.
This quarter’s agenda features timely updates and market expertise, including:
Regulatory and Legislative Updates – Jason Gabhart, Government Affairs Advocate
Peak Season Market Updates – Ernie Bernal, VP IFP Sales; Stan Kim, VP SBG Sales; Dan Minahan, Director LG Sales; Garrick Brazier, Director LG Sales
Date & Time
Tuesday, September 23, 2025
11:00 a.m. – 12:00 p.m. PT
Gain valuable knowledge to help you navigate evolving market trends, strengthen your strategy, and better serve your clients.
Health Net Advantages
Lowest rates in the market – Affordable plans without sacrificing quality.
Robust PPO network – Competes directly with major carriers like Anthem and Blue Shield.
Flexible HMO options – Broad statewide access tailored to fit any group or budget.
Simplified underwriting – Works alongside other carriers, with only 25% participation required for groups with 5+ enrolling. No DE9C or prior carrier bill needed.
Easy-to-sell benefits – $0 deductible HMO plans and four years of rate stability.
Nationwide coverage – Cigna network access for out-of-state employees and state plurality rules for group qualification.
Learn more about Health Net’s versatile health plans, ancillary coverage, wellness programs, and value-added services.
Brokers now have direct access to Health Net’s employer portals, making group account management faster and easier. Actions available in the portal include:
Membership Management: Enroll or remove members, update records, and run reports.
Billing: View invoices, payment history, balances, and more.
How To Set Up Access:
For Groups Applying to Health Net for New Coverage:
New groups authorize broker access on the 2025 Group Service Agreement (GSA).
Employers can opt out by checking a box—otherwise, broker access is granted automatically.
Note: Employers are still required to complete portal registration before broker access becomes active.
After employer groups register, brokers can make changes on their behalf—no employer log-in is needed for updates.
For Existing Health Net Groups:
For your current Health Net cases, Health Net’s Employer portal still allows groups to manage broker access to billing and enrollment tools through the Manage Accounts & Reports tab:
Select Manage Broker Access on the right side of the page
Click Manage access & preferences under the broker’s name
The GSA forms are available under Forms and Brochures on the Broker page at Healthnet.com.
Questions?
For further details, contact the assigned Health Net Account Representative. Or contact your Claremont Answer Team at 800.696.4543 or info@claremontcompanies.com.
Health Net Advantages
Lowest rates in the market – Affordable plans without sacrificing quality.
Robust PPO network – Competes directly with major carriers like Anthem and Blue Shield.
Flexible HMO options – Broad statewide access tailored to fit any group or budget.
Simplified underwriting – Works alongside other carriers, with only 25% participation required for groups with 5+ enrolling. No DE9C or prior carrier bill needed.
Easy-to-sell benefits – $0 deductible HMO plans and four years of rate stability.
Nationwide coverage – Cigna network access for out-of-state employees and state plurality rules for group qualification.
Learn more about Health Net’s versatile health plans, ancillary coverage, wellness programs, and value-added services.
Health Net’s Elite Partners Program (EPP) contest for brokers is now live!
This is your chance to be recognized as a top sales performer and win an exclusive getaway.
How It Works
Who Can Win?
The top 8 selling brokers in each category—Small Group (SBG), Large Group (LG), and Individual & Family Plans (IFP)—will qualify for the prize.
The Prize:
Winners will enjoy a special trip to an exciting destination (to be announced), network with Health Net senior leadership, and gain insights into industry trends and growth strategies.
How to Qualify
Small Group (SBG):
Top 8 brokers, minimum 250 members (June 2025 – January 2026)
Small Group sales through Cal Choice do not qualify for this contest.
Large Group (LG):
Top 8 brokers, minimum 300 members (June 2025 – January 2026)
Individual & Family Plans (IFP):
Top 8 brokers, minimum 250 members (January & February 2026)
Why Participate?
Exclusive getaway for winners; last year’s getaway destination was Hawaii!
Recognition among peers and leadership
Professional development and industry insights
Step up, boost your sales, and claim your spot among Health Net’s elite!
Health Net Advantages
Lowest rates in the market – Affordable plans without sacrificing quality.
Robust PPO network – Competes directly with major carriers like Anthem and Blue Shield.
Flexible HMO options – Broad statewide access tailored to fit any group or budget.
Simplified underwriting – Works alongside other carriers, with only 25% participation required for groups with 5+ enrolling. No DE9C or prior carrier bill needed.
Easy-to-sell benefits – $0 deductible HMO plans and four years of rate stability.
Nationwide coverage – Cigna network access for out-of-state employees and state plurality rules for group qualification.
Learn more about Health Net’s versatile health plans, ancillary coverage, wellness programs, and value-added services.
In our library, you’ll find carrier forms, applications, enrollment kits, broker bonuses, marketing resources, and more (video tutorial). However, not all carrier forms are available online.
