Read the employer notice
Confirm your group’s actual termination date and required actions from the formal carrier notice. Do not assume another group’s date applies.
Medical carrier | 2026
Health Net transition resources
Health Net is exiting California commercial group coverage. Use these 2026 documents as reference material while planning replacement coverage. Follow your formal carrier notice for the termination date.
2026 overview
Product Guide
Use this page to prepare replacement employer coverage, not to shop for a new Health Net group plan. The materials below describe prior coverage and may help you compare benefits. This commercial group transition is separate from individual Ambetter coverage.
Compare replacement coverage
Gather the current census, renewal information, employer contributions, and benefit priorities. Compare available replacement carriers and programs.
Verify care before switching
Recheck doctors, medical groups, hospitals, prescriptions, and ongoing authorizations against the exact replacement plan. Ask about transition-of-care options where needed.
Coordinate the handoff
Confirm enrollment acceptance, effective dates, payroll changes, and employee communications before ending existing coverage.
Official carrier materials
Plan Materials
Historical 2026 reference documents—not an offer of new coverage. Use them to understand existing benefits; the employer notice and replacement carrier’s current terms control your transition.
Reviewed by David Keum, Founder & Principal Advisor · CA License #4005450 · Updated August 2026
Plan Highlights & Overviews
2026 medical and ancillary product guides.
PDF
2026 Small Group Portfolio Guide
Health Net HMO and PPO solutions for groups with 1-100 employees.
Open official flyer PDF2026 Ancillary Product Guide
Small-group dental, vision, life, and related products.
Open official flyer PDFChiropractic Care Options
Eligible chiropractic benefit options.
Open official flyerUnderwriting Guidelines
Current eligibility and underwriting reference sheets.
Member & Employer Resources
Wellness, preventive care, and behavioral-health information.
Eligibility and submission
Underwriting Guide
The following are historical Health Net reference points, not current eligibility rules for a replacement plan. Your new carrier must confirm its own requirements.
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.
Health Net transition resources
Review replacement coverage
Health Net is exiting California commercial group coverage. Use these 2026 documents as reference material while planning replacement coverage. Follow your formal carrier notice for the termination date.
Review replacement coverageCarrier guide FAQ
Common questions about Health Net small-business coverage
What should an employer confirm before choosing Health Net?
Confirm current plan availability, service areas, provider networks, benefits, rates, participation rules, and final underwriting requirements for the requested effective date.
Are Health Net 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 Health Net 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 Health Net 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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Review replacement coverage
Health Net is exiting California commercial group coverage. Use these 2026 documents as reference material while planning replacement coverage. Follow your formal carrier notice for the termination date.
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