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
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.
Official carrier materials
Plan Materials
Use these Covered California for Small Business materials to compare 2026 medical and dental offerings, review employer enrollment tools, and understand tax-credit or household-coverage considerations. Current plan documents and program rules control.
Reviewed by David Keum, Founder & Principal Advisor · CA License #4005450 · Updated August 2026
Plan Highlights & Overviews
Core 2026 materials for reviewing the Covered California for Small Business portfolio and medical plan choices.
PDF
2026 Small Business Product Guide
Covered California for Small Business product guide for comparing available medical plans, carriers, networks, enrollment, and program details.
Open official flyer PDF2026 Silver Plan Summary
High-level comparison of available 2026 Silver medical plan options and benefit features.
Open official flyer PDF2026 Gold Plan Summary
High-level comparison of available 2026 Gold medical plan options and benefit features.
Open official flyer PDF2026 Platinum Plan Summary
High-level comparison of available 2026 Platinum medical plan options and benefit features.
Open official flyerDental Options
A plan grid for comparing adult dental coverage available through Covered California for Small Business.
Tax & Eligibility Resources
Helpful references for evaluating tax-credit questions and household coverage affordability.
PDF
Small Business Tax Consultant Flyer
Information for employers who want to discuss potential Small Business Health Care Tax Credit considerations with a tax professional.
Open official flyer PDFFamily Glitch FAQ
Frequently asked questions about employer coverage affordability and the family glitch fix.
Open official flyerEligibility 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 choosing a Covered California plan
Confirm eligibility, carrier choices, and contribution requirements for your team.
Covered California for Small Business carrier availability, metal-tier choices, participation rules, and potential tax-credit eligibility depend on the employer and workforce. Skyline Benefit will help review your options before you apply.
Review Covered California options with an advisorCarrier guide FAQ
Common questions about Covered California for Small Business small-business coverage
What should an employer confirm before choosing Covered California for Small Business?
Confirm current plan availability, service areas, provider networks, benefits, rates, participation rules, and final underwriting requirements for the requested effective date.
Are Covered California for Small Business 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 Covered California for Small Business 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 Covered California for Small Business coverage?
The current proposal, application, policy or certificate, benefit summaries, provider directory, formulary when applicable, and the carrier’s final underwriting decision control.
From our clients
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