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Medical carrier | 2026
2026 Anthem Blue Cross Small Group Plans
EmployeeElect small-group plans spanning HMO, PPO, and focused California networks.
2026 overview
Product Guide
Anthem EmployeeElect gives California employers a range of metallic-tier plans and network designs for groups of 1-100 employees.
PPO portfolio
PPO and Select PPO plans support broader access, while Virtual Access Plus plans combine virtual-first care with PPO coverage.
Pharmacy networks
Most EmployeeElect plans use the RxChoice tiered pharmacy network. SHOP mirror plans may use a different pharmacy network.
Metal levels
Plan designs span Platinum, Gold, Silver, and Bronze, including deductible and HSA-compatible options.
Official carrier materials
Plan Materials
Use Anthem's 2026 California small-group benefit charts as the primary comparison reference. The supplemental dental, vision, and member flyers are provided for convenience and may have their own publication dates. Plan availability and benefits must be confirmed for the selected group and employee location.
Reviewed by David Keum, Founder & Principal Advisor · CA License #4005450 · Updated August 2026
Plan Highlights & Overviews
Core Anthem materials for comparing 2026 California medical, dental, and vision benefits.
PDF
2026 California Medical Benefit Charts
Anthem's 2026 small-group ACA medical benefit charts for California. Use this primary reference to compare available plan designs and benefits.
Open official flyer PDF2026 Gold & Silver HSA Plans
Examples explaining how deductibles and out-of-pocket costs work for Anthem Gold and Silver HSA small-group plans, including subscriber-only and family coverage.
Open official flyer PDF2026 Dental Metallic PPO Plans
Comparison chart for Anthem Dental Complete Bronze, Silver, Gold, and Platinum PPO plans, including deductibles, annual maximums, and covered service levels.
Open official flyer PDF2026 Vision Plan Grid
Overview of Anthem small-group vision plan options, including exam, lens, frame, and contact-lens frequencies, allowances, and copays.
Open official flyerMember Resources
Care-access information employees can use after enrollment; eligibility and cost sharing vary by plan.
PDF
Member Flyer Kit
Collection of member-facing flyers covering virtual-care opportunities, Sydney Health app features, and other plan resources.
Open official flyer PDF24/7 NurseLine
Member flyer explaining around-the-clock registered-nurse support for health questions and care-navigation guidance. Availability depends on the member's plan.
Open official flyer PDFBehavioral Health Overview
California overview of behavioral-health support, including in-person and virtual care access. Availability and member costs vary by plan.
Open official flyer PDFBlueCard & Global Core Travel Care
Member flyer describing how eligible PPO members can locate care across the U.S. and internationally. Network and program access depend on the plan.
Open official flyerEligibility and submission
Underwriting Guide
Anthem reviews the employer structure, payroll documentation, employee eligibility, and plan elections before approval.
Business records
Current wage or payroll reports and ownership documentation are commonly required to establish an eligible California small group.
Eligible employees
Employee and dependent eligibility, active-work status, waivers, and special owner situations must be documented.
Participation and contribution
The employer contribution and employee participation are evaluated against current small-group requirements and valid waiver rules.
Enrollment timing
Waiting periods, effective dates, new-hire rules, and prior coverage should be reviewed before the application is submitted.
Before choosing an Anthem plan
Confirm the Anthem network and plan design for your team.
Anthem Blue Cross EmployeeElect plans, provider access, pharmacy networks, and HMO service areas can vary by the plan selected and each employee's ZIP code. Skyline Benefit will help verify doctors, hospitals, prescriptions, and the best HMO, PPO, or virtual-first option before you enroll.
Review Anthem options with an advisorCarrier guide FAQ
Common questions about Anthem Blue Cross small-business coverage
What should an employer confirm before choosing Anthem Blue Cross?
Confirm current plan availability, service areas, provider networks, benefits, rates, participation rules, and final underwriting requirements for the requested effective date.
Are Anthem Blue Cross options available to every California small business?
Not necessarily. Availability can depend on group size, employee locations, participation, employer contribution, requested effective date, and current carrier or program rules.
How should an employer review Anthem Blue Cross provider networks?
Check the exact plan and network for the employees’ home and work ZIP codes. Confirm important doctors, medical groups, hospitals, and service-area access before enrollment.
Which documents control the final Anthem Blue Cross coverage?
The current proposal, application, policy or certificate, benefit summaries, provider directory, formulary when applicable, and the carrier’s final underwriting decision control.
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