Medical carriers
The 2026 portfolio includes Blue Shield of California HMO and PPO options, Kaiser Permanente HMO plans, and Sharp Health Plan HMO networks.
Small business program | 2026
Covered California Small Business Plans
A California marketplace offering multiple medical carriers, metal tiers, dental options, and potential tax credits.
2026 overview
Product Guide
Covered California for Small Business lets eligible employers offer plans from participating carriers while using a consolidated enrollment and billing process.
Metal-tier choice
Employers can select a one-, two-, three-, or four-tier offering across Bronze, Silver, Gold, and Platinum plan designs.
Dental coverage
Delta Dental DHMO and DPPO plans can be offered as an employer-sponsored elective benefit with a selected dental reference plan.
Tax-credit access
Qualifying small employers may be able to claim a federal tax credit when coverage is purchased through the marketplace.
Eligibility and submission
Underwriting Guide
Marketplace eligibility depends on the employer location, workforce, contribution, participation, and complete application.
California connection
The business must meet California employer requirements, and the majority of eligible employees generally must live in California.
Coverage offer
Coverage must be offered to all eligible employees, with valid alternate coverage counted when participation is reviewed.
Participation and contribution
Current materials generally require 70% participation including valid waivers and an employer contribution based on the selected reference plan.
Tax-credit review
Tax-credit eligibility depends on workforce size, average wages, employer contribution, and other federal requirements; consult a tax professional.
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
