HMO options
Traditional HMO plans are joined by regional choices such as Aetna Value Network and Aetna Whole Health Southern California where available.
Medical carrier | 2026
Aetna Small Group Health Plans
Flexible California small-group medical plans with HMO, POS, and PPO network options.
2026 overview
Product Guide
Aetna offers multiple plan designs and network approaches for California small businesses. The best fit depends on the employer location, employee ZIP codes, provider preferences, and budget.
POS and PPO options
Open-access Managed Choice POS and Open Choice PPO plans provide broader provider flexibility, with Savings Plus options in eligible areas.
Plan availability
Available products and networks depend on the employer rating area and where employees live. A provider and service-area review should be completed before selection.
Integrated benefits
Medical plans include pharmacy coverage, and employers can evaluate coordinated dental, vision, and other specialty benefits.
Eligibility and submission
Underwriting Guide
Aetna evaluates the employer, employee census, enrollment elections, and required business records before confirming coverage.
Group eligibility
The business must meet California small-group requirements and document its active operations, ownership, and eligible workforce.
Employee census
Submit all eligible employees, including enrolling employees and those waiving coverage, with complete dependent and residence information.
Effective dates
First-of-month and 15th-of-month effective dates may be available. Complete forms and supporting records are required to preserve the requested date.
Final review
Contribution, participation, waiting periods, COBRA status, and out-of-area employees are reviewed using the current carrier rules.
Before you enroll
Carrier rules and plan availability can change.
This page summarizes carrier materials for the 2026 plan year. It is not a policy, contract, quote, or guarantee of eligibility. Official carrier documents and the carrier's final underwriting decision control.
Confirm options with an advisor
