Group plan details and rates for 2025

Everything you need to find the right plan for your small business.

We can help you save money, improve employee productivity and attendance, and boost employee satisfaction and retention. Browse to find budget-friendly plans for your company’s most valuable asset: your employees.

Small group rates

2024

Small group rates - effective July 1, 2024 for new and renewing small groups
CalChoice small group rates - effective July 1, 2024 for new and renewing small groups

Small group rates - effective October 1, 2024 for new and renewing small groups
CalChoice small group rates - effective October 1, 2024 for new and renewing small groups

2025

Small group rates - effective January 1, 2025 for new and renewing small groups
CalChoice small group rates - effective January 1, 2025 for new and renewing small groups

Small group rates - effective April 1, 2025 for new and renewing small groups
CalChoice small group rates - effective April 1, 2025 for new and renewing small groups

Small group rates - effective July 1, 2025 for new and renewing small groups
CalChoice small group rates - effective July 1, 2025 for new and renewing small groups

Small group rates - effective October 1, 2025 for new and renewing small groups
CalChoice small group rates - effective October 1, 2025 for new and renewing small groups

Small group plans effective Jan. 1, 2025

Coverage for employers with 100 or fewer employees

Mirrored benefit plans are identical to the plans offered on the Covered California^™ exchange.

Summaries of benefits
Off-exchange customers (non-mirrored)

Sharp Bronze HDHP NG 1 (6100-50-50%)

Summaries of benefits
On- and off-exchange customers (mirrored)

Summaries of benefits
Off-exchange customers (pseudo-mirrored*)

Summaries of benefits
3-tier point-of-service (POS) customers

Summaries of benefits & coverage
On-exchange customers

Notices and disclosures - small group

Department of Managed Health Care Director’s Letter 8‑K ➜

Rate Filing Description: Non-grandfathered small group rates, effective Oct. 1, 2024 ➜

Rate Filing Spreadsheet: Non-grandfathered small group rates, effective Oct. 1, 2024 ➜

Rate Filing Description: Grandfathered small group rates, effective Oct. 1, 2024 ➜

Rate Filing Spreadsheet: Grandfathered small group rates, effective Oct. 1, 2024 ➜

Rate Filing Description: Non-grandfathered small group rates, effective Jan. 1, 2025 ➜

Rate Filing Spreadsheet: Non-grandfathered small group rates, effective Jan. 1, 2025 ➜

Rate Filing Description: Non-grandfathered small group rates, effective Apr. 1, 2025 ➜

Rate Filing Spreadsheet: Non-grandfathered small group rates, effective Apr. 1, 2025 ➜

Rate Filing Description: Non-grandfathered small group rates, effective July 1, 2025 ➜

Rate Filing Spreadsheet: Non-grandfathered small group rates, effective July 1, 2025 ➜

Rate Filing Description: Non-grandfathered small group rates, effective Oct. 1, 2025 ➜

Rate Filing Spreadsheet: Non-grandfathered small group rates, effective Oct. 1, 2025 ➜

Rate Filing Description: Grandfathered small group rates, effective Oct. 1, 2025 ➜

Rate Filing Spreadsheet: Grandfathered small group rates, effective Oct. 1, 2025 ➜

Rate increase justification: Non-grandfathered small group plans, effective Jan. 1, 2025 ➜

Notices and disclosures - large group

Rate Filing data report form: Large group rates, effective 1/1/24 ➜

Rate Filing data report worksheet: Large group rates, effective 1/1/24 ➜

Rate Filing data report form: Large group rates, effective 1/1/25 ➜

Rate Filing data report worksheet: Large group rates, effective 1/1/25 ➜