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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 PrismCalifornia Senate Bill 729 (SB 729), signed into law by Governor Gavin Newsom on September 29, 2024, requires fully insured large group health plans (covering 101 or more employees) to provide coverage for the diagnosis and treatment of infertility, including in vitro fertilization (IVF). The original effective date of July 1, 2025, was delayed to January 1, 2026, by AB 116, allowing insurance carriers and employers additional time to update benefits, systems, and communications for compliance.
Beginning January 1, 2026, SB 729 infertility coverage applies to both large and small group health plans issued, amended, or renewed on or after that date. SB 729 broadens the definition of infertility to be more inclusive, recognizing individuals and couples—regardless of sexual orientation or marital status—who are unable to conceive without medical intervention. The law includes coverage for up to three completed oocyte retrievals and unlimited medically appropriate embryo transfers, and it prohibits health plans from imposing more restrictive conditions or limitations on fertility services than those applied to other covered medical services, promoting more equitable access.
For small group health plans (covering 100 or fewer employees), the law requires carriers to offer the option to include infertility and fertility services coverage. Employers are not required to purchase this coverage; they may choose whether to include it based on their benefit strategy and budget. Small group carriers have taken different approaches to offering infertility benefits. Some carriers offer plan designs with and without infertility coverage, allowing employees to choose between plan options. Other carriers offer infertility coverage as an optional benefit that, if elected by the employer, applies to all enrolled employees. In general, plans that include infertility coverage may have a modest rate load compared to the same carrier’s comparable plans without infertility; the actual impact will vary by carrier and specific plan design.
Health Net Infertility Benefits 2026
Health Net announced plan and rate updates for Q2 effective dates, plus continued simplified underwriting:
Enhanced Choice
Flexible Underwriting
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.
Blue Shield of California’s Q2 2026 Small Business portfolio is now available for quoting with an average statewide rate action of 2.3%.
Groups with renewal dates in April, May, and June are now available to download. Visit the Blue Shield Small Business Renewal Center for downloads and deadlines.
Beginning January 1, 2026, Blue Shield will directly manage the behavioral health benefit for all members including those receiving applied behavioral analysis (ABA) services. With Blue Shield Behavioral Health, members have access to an expanded, quality network of behavioral health providers. This centralization effort allows for better coordination of care between primary care physicians, specialists, and behavioral health providers. Learn more
Employer Enrollment Tool Resources
Q2 2026 Broker Sales Guide – Medical Plan, Small Business
Small Business Rewards Program for Brokers
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
CaliforniaChoice has announced rates are now live for April 1 – June 1 effectives dates.
Medical plan rates are changing for Anthem Blue Cross, Sharp Health Plan, and UnitedHealthcare. Rates are not changing for Kaiser Permanente, Sutter Health Plan, and Western Health Advantage.
The annual rate trends from Q2 2025 to Q2 2026 (trends may vary by plan and region):
Q2 plans are now available for quoting through PRISM, our free and easy online quoting system. Or reach out to your Claremont team for help with your Q2 renewals.
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
CaliforniaChoice is the only small group (1-100 employees) private exchange for employee benefits in California. Partnering with seven top health plans and 18 provider networks, CaliforniaChoice offers a variety of full and limited network HMOs, PPOs, and other benefit options to choose from – all at different price points so you can help your clients control costs and offer their employees choices. Learn more.
With CaliforniaChoice, you can offer multiple health plans side-by-side in a single employee benefits package. That means you only have to learn one product and run one quote, while still giving your clients the value of choice.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Cypress Dental is still accepting groups for 1/1 coverage, no cutoffs!
With over 400,000 access points, Cypress Dental coverage offers quality providers for all employees. Plus they’re easy to do business with – no DE9C, payroll or ownership documents needed, and approvals in 1-2 business days. Small group clients can access single, dual option or triple option dental plans, plus the Hybrid Plan allows members to switch back and forth between PPO and DHMO plans offered by their employer as their needs change monthly.
With the Cypress Dental Member Perks program, all members receive exclusive discounts on a wide range of products and services, from health and wellness to meal delivery, streaming services, music, and more.
For every PPO fully insured dental group you sell, you’ll earn an Amazon gift card based on the group size:
With over 50 years in the dental and ancillary benefits market, Cypress Dental offers:
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Humana is offering a Broker Bonus for new groups with 2+ enrolled for January ONLY! To earn a bonus, place a new Humana dental line of coverage with at least one additional group benefits line with the same employer. Bonus amounts below based on group size and lines of coverage.
Download the Humana Dental Bundling Bonus flyer.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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.
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.
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.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Blue Shield of California’s Q1 2026 Small Business portfolio is now available for quoting with an average statewide rate action of 1.2%.
Groups renewing in January will be available to brokers through Shield Renewals on Thursday, October 16 while group-level changes can be made using the Employer Enrollment tool starting Friday, October 17. Groups renewing in February and March will be available on Tuesday, November 4 while group-level changes will be available starting Wednesday, November 5 and Monday, December 1 respectively.
Starting January 2026, several key enhancements are coming to expand access and improve the member experience:
These updates reflect Blue Shield’s continued focus on value, convenience, and whole-person care for small business clients. If you missed the 2025 Broker Roadshow, here are links to the presentation slides, the FAQs, and the session recording.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
ChoiceBuilder offers brokers a generous bonus opportunity for new group sales in Q4 2025 and Q1 2026. Sell two or more new groups with a minimum of five dental subscribers per group, per quarter to qualify.
One-time bonus per groups is based on dental subscriber count:
There’s No Cap on what you can earn!
ChoiceBuilder combines dental, vision, chiropractic/acupuncture, and life insurance in one convenient program with simple administration—one enrollment, one bill, one renewal. Voluntary and employer-sponsored options are available, with no cost to employees for voluntary plans (administration fee applies).
Available to small businesses (2-500 employees), ChoiceBuilder is the best ancillary exchange in California, offering the nation’s premier dental, vision, chiropractic/acupuncture, and life insurance benefits in a single easy-to-manage program – with both employer-sponsored and voluntary coverage options. Plus, ChoiceBuilder can be offered alongside any medical plan, including CaliforniaChoice®.
It’s a great way to enhance your clients’ employee benefits package without the high cost of additional benefits or the difficulties of managing different services. There’s one application, one bill, and one point of contact for administration.
With more than 8,000 employers and 130,000 members across the state, ChoiceBuilder offers freedom, simplicity, and affordability.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Covered California for Small Business (CCSB) now offers a simplified eligibility process for new small groups with 3+ enrolling employees, effective immediately.
As a reminder, CCSB’s “A Partnership that Pays” broker bonus program is in place for new group business placed July 1, 2025 – January 1, 2026. Get the details.
Questions?
Contact our CCSB expert team at 800.696.4543 or info@claremontcompanies.com.