Winning options for Q3 2023 small business
Delivering everything you need to sell and renew small business in Q3 2023.
Rates summary:
- Medical: Q3 2023 small business rates will have a 1.8% increase for HMO plans, and a 0.4% increase for PPO plans.2
- Dental: No plan changes at this time.
- Vision: No plan changes at this time.
- Optional chiro: No changes at this time.
These rates can be released now. However, you must include this disclaimer:
"Rates quoted are pending completion of regulatory review."
Tools & Resources
- Q3 2023 rates release
- Simple and smooth selling with our latest underwriting guidelines
- Great values continue
View and download our small business Q3 2023 premium rates and medical/vision/dental benefits for ACA-compliant plan policies, dental and vision, effective 7/1/2023-9/30/2023.1
Contact your Health Net sales representative to find our lowest rates throughout California!
- Q3 2023 medical rates (new business and renewing) (XLSX)
- 2023 dental rates (XLSX)
- 2023 vision rates (XLSX)
- 2023 medical portfolio (XLSX)
- 2023 vision portfolio (XLSX)
- 2023 dental portfolio (XLSX)
The Q3 2023 Rate Guide (PDF) displays our first Q3 2023 rates lease.
Peak Season Broker Incentive Programs1,2,3,4:
- For new sales with July 2023 through January 2024 effective dates, we are offering a special commission rate of 6% for the life of the case, for groups with just 6 or more subscribers enrolled.
For details and program guidelines, contact your dedicated Account Executive.
1 Incentive program applies to business sold directly through Health Net only; excludes CalChoice.
2 Cobra membership does not apply toward total subscriber count to qualify.
3 Sales through General Agents do qualify for Peak Season Incentive Programs.
4 Health Net reserves the right to change or terminate this program.
Boost your book of business with our latest underwriting guidelines:
NEW for 2023
- Simpler 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 now applies to both HMO and PPO
- Flexible choices: Two separate underwriting promotions.
- Smoother enrollment:
- No DE9C paperwork required for groups that qualify for our underwriting promotions.
- Health Net can be written alongside any carrier
- 2 weeks of payroll for a Startup Group of any size
- We accept PEO subgroups with a quarterly wage report or 2 weeks of payroll from the PEO
| Values | Details |
|---|---|
| HMO Platinum plans + WholeCare HMO and Full Network HMO networks | Leading the way with value in 2023 Learn more about 2023 Small Group Solutions (PDF) |
| Full Network PPO | Offer the advantages of flexible, broad PPO coverage with competitive rates and a wide selection of coverage options |
| 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, Find 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 2023 rates to Q2 2023 rates.