HMO plans
HMO offerings include broad-network and focused-network designs, including Trio HMO in supported regions.
Medical carrier | 2026
Blue Shield California Small Group Plans
Broad small-business HMO and PPO choices, including focused networks and savings plans.
2026 overview
Product Guide
Blue Shield provides off-exchange and mirror plan designs across all four metal levels, with options for employers prioritizing network breadth or lower premiums.
PPO plans
PPO options range from low-deductible designs to higher-deductible savings plans, with out-of-network coverage subject to plan terms.
Virtual Blue
Selected PPO plans use a virtual-first care model while retaining access to in-person care through the applicable network.
Mirror and savings plans
Employers can compare mirror plans and HSA-compatible savings designs alongside standard off-exchange options.
Eligibility and submission
Underwriting Guide
Blue Shield underwriting is based on current California small-group rules and the complete employer enrollment submission.
Employer qualification
The business must establish eligible small-group status, California nexus, active operations, and qualifying ownership.
Complete census
All eligible employees, enrollees, dependents, and valid waivers should be included so participation can be evaluated accurately.
Network eligibility
Employee residence and work locations affect HMO service-area eligibility and should be checked before plans are selected.
Submission review
Required forms, business documents, contribution, waiting periods, and requested effective date are confirmed during final underwriting.
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
