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Big Options for Small Business

Delivering everything you need to sell and renew small business in Q3 2022.


Rates summary:

  • Medical: Q3 2022 small business rates will have a 0.3% decrease HMO and HSP plans, and a 2.2% increase for PPO and EnhancedCare PPO plans.2
  • Dental: No plan changes at this time.
  • Vision: No rate or plan changes at this time.
  • Optional chiro: No rate or plan changes at this time.

These rates can be released now. However, you must include this disclaimer:

"Rates quoted are pending completion of regulatory review."

View and download our small business Q3 2022 premium rates and medical/vision/dental benefits for ACA-compliant plan policies, dental and vision, effective 7/1/2022-9/30/2022.1

Contact your Health Net sales representative to find our lowest rates throughout the Southern and Northern California markets!

The revised Q3 2022 Rate Guide is coming soon.

When it comes to your book of business, you have a lot to look forward to! Starting January 1, 2022 Health Net is offering new broker incentives to help get you off to the races.

Here's the 2022 Broker Incentive Program (PDF) selling Health Net's Small Business Group medical plan new sales (including sales through CalChoice):

For the New Member Incentive Program3:

  • Brokers will receive $60 per member for each new small business employer group sold.

For details and program guidelines, contact your dedicated Account Executive.

Boost your book of business with our latest underwriting guidelines (PDF):

  • NEW! Simpler selling:
    • Changing our out-of-state maximum requirement from 49% of 'enrolled' and 'eligible' employees to just 49% of 'eligible' employees.
    • We are removing group size distinction for startup guidelines, making it easier than ever to do business with us. Now, startup guidelines are 4 weeks of payroll, with 2 weeks prior to effective date, regardless of group size.
    • Participation guidelines have been reduced to 25% within our Enhanced Choice A and Enhanced Choice B programs.
  • Flexible choices: Three separate underwriting promotions.
  • Smoother enrollment: No DE9C paperwork required for groups that qualify for our underwriting promotions.

Great Values
Values Details
HMO Platinum plans
WholeCare HMO and Full Network HMO networks
Leading the way with value in 2022
Learn more about 2022 Small Group Solutions (PDF)
PPO Value plans
Full Network PPO
Offer the advantages of flexible, broad PPO coverage with competitive market rates and plan premium savings
Dental, vision, chiro, life Our business-boosting bundling discounts (PDF) make our ancillary benefits (PDF) even more competitive
Telehealth and care access options We're continuing our expanded access to care options (PDF) with Babylon Health, MinuteClinic, Nurse Advice Line, myStrength, Aunt Bertha

Contact us today

Call your Health Net representative today to get started! We continue to be committed to the health and success of your business, and are standing by to help.

1 Please call your Account Manager for Grandfathered rates at 800-447-8812, option 2.

2 The above rates represent statewide averages. Actual plan rates vary by rating region. Percentages shown compare Q3 2022 rates to Q2 2022 rates.

3 All new Health Net medical plan sales qualify for participation in this part of the incentive program.

Last Updated: 04/14/2022