Position Your Clients for Success with Q3 2026 Rates

View and download our small business Q3 2026 premium rates and medical/vision/dental benefits for ACA-compliant plan policies, dental and vision, effective July 1, 2026 to September 30, 2026.¹

Contact your Health Net sales representative to find our lowest rates throughout California!

The Q3 2026 Rate Guide (PDF) displays our first Q3 2026 rates release.

Teladoc Health (Teladoc) offers virtual health care that’s convenient, with confidential access to quality U.S. board-certified doctors. Teladoc is an option when members can’t see their regular doctor.

Medical appointments are available 24 hours a day, 7 days a week from wherever members are. Behavioral health professionals can be booked 7 days a week 7:00 a.m. to 9:00 p.m. (Pacific time). Members can book appointments through the Teladoc app, website or call 1-800-TELADOC (835-2362).^4,5

_{⁴ Go straight to the nearest emergency room or call 911 if you have an emergency.}

_{⁵ You may receive services on an in-person basis or via telehealth, if available, from your primary care provider, a treating specialist or from another contracting individual health professional, contracting clinic, or contracting health facility consistent with the service and existing timeliness and geographic access standards required under California law. Any cost share for services received through Teladoc will accrue toward your out-of-pocket maximum and deductible (if your plan has a deductible). By scheduling through Teladoc, you consent to receive services via telehealth through Teladoc. See your health plan coverage document for coverage information and for the definition of telehealth services. You have a right to access your medical records for services received through Teladoc. Unless you choose otherwise, any services provided through Teladoc shall be shared with your primary care provider.}

The Cigna^® PPO Network⁷ is the provider network outside of California for Health Net PPO plans with out-of-state coverage. With over 1.5 million health care providers and 6,400 hospitals, Cigna^® PPO network offers a wide selection of doctors and hospitals, competitive discounts, and flexibility to support value-driven plan designs.

Members enrolled in PPO plans with out-of-state in-network coverage who access the Cigna Healthcare PPO Network are considered Health Net members who are simply accessing the Cigna Healthcare PPO Network at the in-network coverage level when outside of California.

For employer groups, Health Net's PPO allows great flexibility in designing a benefit plan to meet the unique needs of your groups, while also offering members a wide choice in using in- and out-of-network providers.

_{⁷ The Cigna Healthcare^® PPO Network refers to the health care providers (doctors, hospitals, specialists) contracted as part of the Cigna Healthcare PPO for Shared Administration. Cigna Healthcare^® analysis of actual providers contracted as part of the Cigna Healthcare PPO for Shared Administration as of July 2024. Data is subject to change.}

_{Cigna Healthcare^® is an independent company and not affiliated with Health Net of California, Inc. Access to the Cigna Healthcare^® PPO Network is available through Cigna Healthcare's contractual relationship with Health Net of California, Inc. All Cigna Healthcare products are provided exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company. The Cigna Healthcare name, logo, and other marks are owned by Cigna Intellectual Property, Inc. Members have access to our wellness programs through current enrollment with Health Net of California, Inc. Our wellness programs are not part of Health Net’s commercial medical benefit plans. They are not affiliated with Health Net’s provider network, and their services may be revised or withdrawn without notice. These programs, including access to any clinicians, are additional resources that Health Net makes available to enrollees.}

Boost your book of business with our latest underwriting guidelines and promotions (PDF).

• Competitive selling:
  • Health Net’s Enhanced Choice offers small business groups a simplified package offering access to all plans with no limits to the number of plans and networks you can offer
  • Chiropractic rider applies to both HMO and PPO
• Straightforward enrollment:
  • No DE9C, payroll or ownership documents required for groups that qualify for our underwriting promotions. PLUS when enrolling 10+employees, no waivers are needed for medical.
  • Health Net can be written alongside any carrier – enrolling on the other carrier is a valid waiver when enrolling at least 4 subscribers with Health Net
  • Mix and Match any of our plans and networks. No limit!
• Startup Groups: Groups enrolling up to 3 employees with Health Net must submit 2 weeks of group-wide payroll. Groups enrolling 4+ employees with Health Net are eligible for the Enhanced Choice Promo.
  • We accept PEO subgroups with a quarterly wage report or 2 weeks of payroll from the PEO