California 2022 Small business plans and products

Employers with 1 to 100 full-time and full-time-equivalent employees can find a mix of high-quality care, advanced services, and cost effectiveness with our plans. Groups currently offering grandfathered plans may continue to offer these plans along with metal plans.

Related links: Summary of Benefits and Coverage (SBC) | Plan rates and highlights | Plan comparisons | Dental plans and rates | Chiropractic/acupuncture | Small Business Guidelines | Exchanges

Platinum plans

Summaries for platinum plans

Platinum plans offer the highest rates of all our plans and have the lowest out-of-pocket costs. Platinum plan types include copayment HMO and PPO plans.

Gold plans

Summaries for gold plans

Gold plans offer lower rates than platinum plans, and lower out-of-pocket costs than bronze and silver. Gold plan types include copayment HMO, deductible HMO, deductible HMO with HRA, and PPO plans.

Silver plans

Summaries for silver plans

Silver plans offer lower rates than gold and platinum plans, and lower out-of-pocket costs than bronze plans. Silver plan types include Deductible HMO, HSA-qualified high deductible HMO, and PPO plans.

Bronze plans

Summaries for bronze plans

Bronze plans offer the lowest rates of all our plans with the highest out-of-pocket costs. Bronze plan types include deductible HMO, HSA-qualified high deductible HMO, and PPO plans.

Grandfathered (nonmetal) plans

These nonmetal plans were grandfathered under the Affordable Care Act on March 23, 2010. Groups currently offering grandfathered plans may continue to offer these plans along with metal plans, provided at least one employee must remain enrolled in the grandfathered plan for the plan to keep its grandfathered status.

Grandfathered (nonmetal) plan types include:

  • Copayment HMO
  • Deductible HMO
  • HSA-qualified deductible HMO
  • Deductible HMO with HRA
  • Point-of-service (POS)
  • PPO

Copayment HMO plans


 

Deductible HMO plans

Lower monthly payments, and doctor visits are not subject to the deductible.


 

HSA-Qualified Deductible HMO plans

Lower monthly payments, plus optional employee-owned savings accounts provide an innovative way to pay for qualified medical expenses.


 

Deductible HMO plans with HRA

An IRS-regulated, employer-sponsored program that allows your employees to receive tax-free dollars from you to pay for qualified medical expenses

Additional benefits

For our HMO plans, additional coverage is available. For more information about vision and dental benefits, see the Plan Highlights.

Chiropractic/Acupuncture benefit summaries for the Platinum 90 HMO 0/10 + Child Dental Alt, Gold 80 HMO 0/30 + Child Dental Alt, Gold 80 HMO 1000/40 + Child Dental Alt, Silver 70 HMO 1650/55 + Child Dental Alt, Silver 70 HMO 2100/55 + Child Dental Alt, Silver 70 HMO 2600/55 + Child Dental Alt, Bronze 60 HMO 5400/60 + Child Dental Alt Plans include chiropractic and acupuncture coverage, with the cost embedded in the medical plan rate. Please see the chiropractic/acupuncture benefit summary. (PDF)
You can also find out about purchasing coverage through one of the exchange partners.

*Tax references relate to federal income tax only. Consult your financial or tax adviser for information about state income tax laws. Federal and state tax laws and regulations are subject to change.
†PPO plans are not available through Covered California for Small Business.

California 2021 Small business plans and products

Employers with 1 to 100 full-time and full-time-equivalent employees can find a mix of high-quality care, advanced services, and cost effectiveness with our plans. Groups currently offering grandfathered plans may continue to offer these plans along with metal plans.

Related links: Summary of Benefits and Coverage (SBC)Plan rates and highlights | Plan comparison | Dental plans and rates | Chiropractic/acupuncture | Small Business Guidelines | Exchanges

Platinum plans

Summaries for platinum plans

Platinum plans offer the highest rates of all our plans and have the lowest out-of-pocket costs. Platinum plan types include copayment HMO and PPO plans.

Gold plans

Summaries for gold plans

Gold plans offer lower rates than platinum plans, and lower out-of-pocket costs than bronze and silver. Gold plan types include copayment HMO, deductible HMO, deductible HMO with HRA, and PPO plans.

Silver plans

Summaries for silver plans

Silver plans offer lower rates than gold and platinum plans, and lower out-of-pocket costs than bronze plans. Silver plan types include Deductible HMO, HSA-qualified high deductible HMO, and PPO plans.

Bronze plans

Summaries for bronze plans

Bronze plans offer the lowest rates of all our plans with the highest out-of-pocket costs. Bronze plan types include deductible HMO, HSA-qualified high deductible HMO, and PPO plans.

Grandfathered (nonmetal) plans

These nonmetal plans were grandfathered under the Affordable Care Act on March 23, 2010. Groups currently offering grandfathered plans may continue to offer these plans along with metal plans, provided at least one employee must remain enrolled in the grandfathered plan for the plan to keep its grandfathered status.

Grandfathered (nonmetal) plan types include:

  • Copayment HMO
  • Deductible HMO
  • HSA-qualified deductible HMO
  • Deductible HMO with HRA
  • Point-of-service (POS)
  • PPO

Copayment HMO plans


 

Deductible HMO plans

Lower monthly payments, and doctor visits are not subject to the deductible.


 

HSA-Qualified Deductible HMO plans

Lower monthly payments, plus optional employee-owned savings accounts provide an innovative way to pay for qualified medical expenses.


 

Deductible HMO plans with HRA

An IRS-regulated, employer-sponsored program that allows your employees to receive tax-free dollars from you to pay for qualified medical expenses

Additional benefits

For our HMO plans, additional coverage is available. For more information about vision and dental benefits, see the Plan Highlights.

Platinum 90 HMO 0/10 + Child Dental Alt, Gold 80 HMO 0/30 + Child Dental Alt, Gold 80 HMO 1000/40 + Child Dental Alt, Silver 70 HMO 2100/55 + Child Dental Alt, and Silver 70 HMO 2600/55 + Child Dental Alt plans and Silver 70 HMO 1650/55 + Child Dental Alt and Bronze 60 HMO 5400/60 + Child Dental Alt include chiropractic and acupuncture coverage, with the cost embedded in the medical plan rate. Please see the chiropractic/acupuncture benefit summary. (PDF) 
You can also find out about purchasing coverage through one of the exchange partners.

*Tax references relate to federal income tax only. Consult your financial or tax adviser for information about state income tax laws. Federal and state tax laws and regulations are subject to change.
†PPO plans are not available through Covered California for Small Business.

California 2020 Small business plans and products

Employers with 1 to 100 full-time and full-time-equivalent employees can find a mix of high-quality care, advanced services, and cost effectiveness with our plans. Groups currently offering grandfathered plans may continue to offer these plans along with metal plans.

Related links: Summary of Benefits and Coverage (SBC) | Plan rates and highlights | Plan comparisons | Dental plans and rates | Chiropractic/acupuncture | Exchanges

Platinum plans

Summaries for platinum plans

Platinum plans offer the highest rates of all our plans and have the lowest out-of-pocket costs. Platinum plan types include copayment HMO and PPO plans.

Platinum 90 HMO 0/10 + Child Dental Alt
Platinum 90 HMO 0/10 + Child Dental Alt INF
Platinum 90 HMO 0/15 + Child Dental
Platinum 90 HMO 0/15 + Child Dental INF
Platinum 90 PPO 0/15 + Child Dental

Gold plans

Summaries for gold plans

Gold plans offer lower rates than platinum plans, and lower out-of-pocket costs than bronze and silver. Gold plan types include copayment HMO, deductible HMO, deductible HMO with HRA, and PPO plans.

Gold 80 HMO 250/25 + Child Dental
Gold 80 HMO 250/25 + Child Dental INF
Gold 80 HMO 500/30 + Child Dental Alt
Gold 80 HMO 500/30 + Child Dental Alt INF
Gold 80 HRA HMO 2250/35 + Child Dental
Gold 80 HRA HMO 2250/35 + Child Dental INF
Gold 80 PPO 250/25 + Child Dental

Silver plans

Summaries for silver plans

Silver plans offer lower rates than gold and platinum plans, and lower out-of-pocket costs than bronze plans. Silver plan types include Deductible HMO, HSA-qualified high deductible HMO, and PPO plans.

Silver 70 HMO 1650/55 + Child Dental Alt
Silver 70 HMO 1650/55 + Child Dental Alt INF
Silver 70 HMO 1800/55 + Child Dental Alt
Silver 70 HMO 1800/55 + Child Dental Alt INF
Silver 70 HMO 2250/50 + Child Dental
Silver 70 HDHP HMO 2500/20% + Child Dental
Silver 70 HDHP HMO 2500/20% + Child Dental INF
Silver 70 PPO 2250/50 + Child Dental

Bronze plans

Summaries for bronze plans

Bronze plans offer the lowest rates of all our plans with the highest out-of-pocket costs. Bronze plan types include deductible HMO, HSA-qualified high deductible HMO, and PPO plans.

Bronze 60 HMO 6300/65 + Child Dental
Bronze 60 HMO 6300/65 + Child Dental INF
Bronze 60 HDHP HMO 6900/0 + Child Dental
Bronze 60 HDHP HMO 6900/0 + Child Dental INF
Bronze 60 PPO 6300/65 + Child Dental

Grandfathered (nonmetal) plans

About Grandfathered (nonmetal) plans

These nonmetal plans were grandfathered under the Affordable Care Act on March 23, 2010. Groups currently offering grandfathered plans may continue to offer along with metal plans, provided at least one employee must remain enrolled in the grandfathered plan for the plan to keep its grandfathered status.

Grandfathered (nonmetal) plan types include:

  • Copayment HMO
  • Deductible HMO
  • HSA-qualified deductible HMO
  • Deductible HMO with HRA
  • Point-of-service (POS)
  • PPO
Copayment plans

HMO plans with predictable out-of-pocket costs and no annual deductible to meet for medical services.

$30 Copayment HMO INF Plan


 

Deductible HMO plans

Lower monthly payments, and doctor visits are not subject to the deductible.


 

HSA-Qualified Deductible HMO plans

Lower monthly payments, plus optional employee-owned savings accounts provide an innovative way to pay for qualified medical expenses.

$0/$2,000 HSA-Qualified Deductible HMO
$0/$2,800 HSA-Qualified Deductible HMO
$0/$2,800 HSA-Qualified Deductible HMO INF
$30/$3,000 HSA-Qualified Deductible HMO


 

Deductible HMO plans with HRA

An IRS-regulated, employer-sponsored program that allows your employees to receive tax-free dollars from you to pay for qualified medical expenses

$30/$1,500 Deductible HMO with HRA
$30/$2,500 Deductible HMO with HRA
Additional benefits

For our HMO plans, additional coverage is available. For more information about vision and dental benefits, see the Plan Highlights.

Platinum 90 HMO 0/10 + Child Dental Alt, Gold 80 HMO 500/30 + Child Dental Alt, Silver 70 HMO 1000/55 + Child Dental Alt, and Silver 70 HMO 1800/55 + Child Dental Alt plans include chiropractic and acupuncture coverage, with the cost embedded in the medical plan rate. Please see the chiropractic/acupuncture benefit summary. (PDF)
You can also find out about purchasing coverage through one of the exchange partners.

*Tax references relate to federal income tax only. Consult your financial or tax adviser for information about state income tax laws. Federal and state tax laws and regulations are subject to change.
†PPO plans are not available through Covered California for Small Business.