Health Net in 2026 - Wellness Rewards, $0 Deductibles & Broker-Friendly Underwriting

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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!

Call us at 800.696.4543 | Email us at info@claremontcompanies.com.

Health Net in 2026 – Wellness Rewards, $0 Deductibles & Broker-Friendly Underwriting

May 12, 2026, 3 Minute Read

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

Register Now

Why Health Net Right Now

$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.

Contact us today for a Health Net quote.

Get a Quote

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