HMO networks
Options may include Full Network, WholeCare, SmartCare, and Salud HMO y Mas, depending on the employee service area.
Medical carrier | 2026
Health Net Small Group Health Plans
Regional HMO and statewide PPO solutions with optional employer-sponsored ancillary benefits.
2026 overview
Product Guide
Health Net combines regional HMO choices with PPO plans and allows employers to match plan design and network availability to their workforce.
PPO portfolio
PPO plans provide additional flexibility and can help cover eligible employees who live outside a California HMO service area.
Enhanced Choice
Employers can compare multiple plans and networks while keeping a coordinated Health Net benefits program.
Ancillary benefits
Dental, vision, chiropractic, life, and AD&D options may be available alongside medical coverage.
Eligibility and submission
Underwriting Guide
Health Net publishes a focused Enhanced Choice checklist for California small groups.
Eligible group
The employer generally needs 1-100 employees and a principal business address in California. Owner-only groups are not eligible.
W-2 employee requirement
At least one enrolling W-2 employee must not be the owner or the owner's spouse.
Contribution and participation
Current guidance uses an employer contribution minimum and participation rules that vary by enrolled group size.
Out-of-area employees
A majority of employees must be employed in California; eligible U.S. employees outside the service area may use a PPO plan.
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
