Take your business forward into 2023!
Delivering everything you need to sell and renew small business in Q1 2023.
Rates summary:
- Medical: Q1 2023 small business rates will have a 0.9% increase for HMO plans, and a 1.5% decrease for PPO plans.1
- Dental: See new 2023 rates. No plan changes at this time.
- Vision: No rate or plan changes at this time.
- Optional chiro: New for 2023, all PPO plans will have the chiro rider option. The chiro rider will be an additional $3.00 PMPM for all HMO and PPO plans.
These rates can be released now. These rates can be released now. However, you must include these disclaimers for the following:
- For Plans: Small Business Group HMO and PPO plans are pending completion of regulatory review.
- For Rates: Rates quoted are pending completion of regulatory review.
Tools & Resources
- Q1 2023 rates release
- Simple and smooth selling with our latest underwriting guidelines
- Great values continue
View and download our small business Q1 2023 premium rates and medical/vision/dental benefits for ACA-compliant plan policies, dental and vision, effective 1/1/2023-3/31/2023.1
Contact your Health Net sales representative to find our lowest rates throughout California!
- Q1 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 Q1 2023 Rate Guide (PDF) displays our first Q1 2023 rates lease.
NEW! Peak Season Broker Incentive Programs1,2:
- For new sales with October 2022 through January 2023 effective dates, we are offering a special commission rate of 6% for the life of the case, for groups with 9 or more subscribers enrolled.
For details and program guidelines, contact your dedicated Account Executive.
1 Applies to business sold directly through Health Net only; excludes Covered California Small Business and CalChoice
2 Sales through General Agents do qualify for Peak Season Incentive Programs
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
- 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.
- New group startup requirement reduced to only two (2) weeks of payroll from four (4) weeks
| 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 Q1 2023 rates to Q4 2022 rates.