Health Net - Expansive Network In & Out of California Plus $0 HMO Plans

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PRISM - Stop, Do Not Quote Health Net

Health Net Is Exiting the California Group Market
Health Net will no longer offer small or large group coverage in CA. In-force groups terminate February 28, 2027. Your Claremont team is ready to help find alternatives. Call 800.696.4543 or email quotes@claremontcompanies.com.

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Health Net – Expansive Network In & Out of California Plus $0 HMO Plans

May 1, 2026, 2 Minute Read

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.

Contact us today for a Health Net quote.

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