PPO choices
Core, Select, Plus, and non-differential PPO designs provide different network and out-of-network approaches.
Medical carrier | 2026
UnitedHealthcare Small Group Plans
California small-business HMO and PPO plans with varied network and pharmacy designs.
2026 overview
Product Guide
UnitedHealthcare offers medical and pharmacy plan combinations designed for employers balancing provider access, employee cost sharing, and premium targets.
HMO choices
HMO plans use defined California service areas and provider networks, with state-mirrored designs also represented.
Metal levels
Plan options span Platinum, Gold, Silver, and Bronze, including qualifying high-deductible health plans.
Pharmacy and member features
Medical plans pair with defined pharmacy networks and may include virtual visits, rewards, or first-dollar support features on selected designs.
Eligibility and submission
Underwriting Guide
UnitedHealthcare applies its current California small-business underwriting requirements to every new group submission.
Small-group status
The employer must qualify under California rules for the 1-100 employee market and document an active eligible business.
Employee eligibility
The census should identify all eligible employees, enrollment elections, dependents, and valid coverage waivers.
Plan and service area review
Employee locations and provider access should be checked against the selected HMO or PPO network before submission.
Carrier confirmation
Participation, contribution, supporting records, and effective-date requirements must be confirmed using the current UnitedHealthcare checklist.
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
