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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 PrismAs 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.
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:
We’re celebrating Lea Torres and her five-year anniversary with Claremont Insurance Services!
Over the past five years, Lea has become an invaluable member of our Broker Service team. Whether she’s assisting with new business, supporting renewals, or resolving service issues, she’s known for her positive attitude and commitment to finding solutions for brokers and their clients.
“Lea is someone our brokers and teammates can always count on. She approaches every request with a positive attitude, works diligently to find solutions, and genuinely cares about helping others. Her kindness, efficiency, and commitment to outstanding service make her an invaluable member of our team. We’re grateful for everything she brings to Claremont and look forward to celebrating many more milestones together.”
— Laura Hogsed, Director, Broker Solutions & Service Operations
At Claremont, experienced team members like Lea help deliver the responsive, knowledgeable service our brokers count on every day.
Congratulations, Lea, on this well-deserved milestone, and thank you for five wonderful years.
You can reach Lea at lea@claremontcompanies.com or 925.296.8825.
Employee Navigator hosted a webinar on March 31, 2025, to share an update on the planned migration of groups from the Ease platform to Employee Navigator. Here are the key takeaways:
Starting January 1, 2027, no new companies can be added to Ease. The “Add Company” function will be disabled for all users.
On July 1, 2027, any groups still remaining on Ease will be moved to “Read Only” status. To avoid disruption, groups should be migrated to Employee Navigator before that date. Once in Read Only status:
Employee Navigator is beginning the process of transitioning brokers with an Ease subscription to an Employee Navigator contract, though the process is expected to take up to six months to complete.
In the meantime, brokers with an active Ease subscription can request a free Employee Navigator subscription to use alongside their current one, which is a great way to start exploring the platform at your own pace. Email success@ease.com to get started.
Once you have access, here are the suggested steps to get up familiar with the platform:
As with any transition like this, there are still details being worked out. Here’s what we know so far:
We’ll continue to share updates as more information becomes available. In the meantime, if you have questions about the transition or need help getting started with Employee Navigator, reach out to Employee Navigator at info@employeenavigator.com or 301-583-5180. Or reach out to your Claremont Answer Team at 800.696.4543 or info@claremontcompanies.com.
Please join us in welcoming Connor Gray to our Claremont team as a Broker Service Representative.
Connor brings a background in computer science and a strong analytical mindset to his new role. Though new to the insurance industry, he has embraced the learning curve, jumped right in, and is quickly building the knowledge needed to support our broker partners.
“Connor has approached this new role with curiosity and focus,” shares Laura Hogsed, Service Manager. “He’s eager to learn, asks thoughtful questions, and is already demonstrating the problem-solving skills that are so important in serving our brokers well.”
As Claremont continues to grow, we remain committed to investing in talented professionals who strengthen our service team and enhance the support we provide to our broker community.
You can reach Connor at connor@claremontcompanies.com or 925.296.8824.
California 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
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.
This week we celebrate Kim Dinh’s 25-year work anniversary. “Kim is an invaluable member of our team and we are incredibly grateful for her hard work, dedication, and positive contributions,” says Michael Traynor, President of Claremont Insurance. “She has consistently gone above and beyond, and we appreciate her commitment to Claremont.”
Kim is responsible for company IT, connectivity, and computer security. She can take great pride in her accomplishments and the respect that she has earned from her peers over the past 25 years.
Please join us in congratulating Kim on her 25 years of service at Claremont!
You can reach Kim at kim@claremontcompanies.com or 925.296.8833.
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We are excited to welcome Elisha Youngman to our Service Team as our newest Broker Service Representative. With a background in medical office administration, Elisha managed patient appointments and insurance verifications before advancing to the billing department of an infertility clinic, where she gained in-depth expertise in insurance processes. Now transitioning into employee benefits, Elisha is eager to expand her knowledge of the market, our carrier partnerships, and strategies to support brokers in growing their business.
Outside of work, she enjoys strength training, cooking, caring for plants, and spending time with friends.
You can reach Elisha at elisha@claremontcompanies.com or 925.296.8819.
Exciting updates to PRISM, our free and easy online quoting system, make it easier than ever to create and present medical proposals to your clients. These enhancements are designed to help you quickly identify key benefit plan changes and communicate them clearly.
PRISM now highlights differences between current and renewal medical plans in blue when generating proposals, making comparisons simple and straightforward. This update ensures clearer, more effective proposals, improving client understanding and decision-making.
The new highlighting feature is available across multiple proposal formats (report examples below):
Log in to PRISM today and take advantage of these changes.
1. Side by Side Comparison
2. Side by Side Detail
3. Employee Rate Side by Side
Whether you need help onboarding new staff or learning how to use PRISM’s advanced features, our short on-demand video tutorials will quickly get you the training you need when you need it.
Take advantage of PRISM, our free online quoting system, or request a quote by contacting us at 800.696.4543 or quotes@claremontcompanies.com.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.