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California 2024 Small business plans and products

Employers with 1 to 100 full-time and full-time-equivalent employees can find a mix of high-quality care, advanced services, and cost effectiveness with our plans. Groups currently offering grandfathered plans may continue to offer these plans along with metal plans.

Related links: Evidence of Coverage and Disclosure Forms (EOC)  | Summary of Benefits and Coverage (SBC) | Plan rates and highlights | Plan comparisons | Dental plans and rates | Chiropractic/acupuncture | Small Business Guidelines | Exchanges | 2023-2024 COVID-19 Services Amendment

Platinum plans

Summaries for platinum plans

Platinum plans offer the highest rates of all our plans and have the lowest out-of-pocket costs. Platinum plan types include copayment HMO and PPO plans.

Platinum 90 HMO 0/10 + Child Dental Alt
Platinum 90 HMO 0/20 + Child Dental
Platinum 90 HMO 250/30 + Child Dental Alt
Platinum 90 PPO 0/15 + Child Dental

Gold plans

Summaries for gold plans

Gold plans offer lower rates than platinum plans, and lower out-of-pocket costs than bronze and silver. Gold plan types include copayment HMO, deductible HMO, deductible HMO with HRA, and PPO plans.

Gold 80 HMO 0/35 + Child Dental Alt
Gold 80 HMO 250/35 + Child Dental
Gold 80 HMO 1000/40 + Child Dental Alt
Gold 80 HDHP HMO 1750/15% + Child Dental Alt
Gold 80 HRA HMO 2250/35 + Child Dental
Gold 80 PPO 350/25 + Child Dental

Silver plans

Summaries for silver plans

Silver plans offer lower rates than gold and platinum plans, and lower out-of-pocket costs than bronze plans. Silver plan types include Deductible HMO, HSA-qualified high deductible HMO, and PPO plans.

Silver 70 HMO 1900/65 + Child Dental Alt
Silver 70 HMO 2300/65 + Child Dental Alt
Silver 70 HMO 2500/55 + Child Dental
Silver 70 HMO 2950/65 + Child Dental Alt
Silver 70 HDHP HMO 2850/25% + Child Dental
Silver 70 PPO 2500/55 + Child Dental

Bronze plans

Summaries for bronze plans

Bronze plans offer the lowest rates of all our plans with the highest out-of-pocket costs. Bronze plan types include deductible HMO, HSA-qualified high deductible HMO, and PPO plans.

Bronze 60 HMO 5400/60 + Child Dental Alt
Bronze 60 HMO 6300/60 + Child Dental
Bronze 60 HDHP HMO 7050/0% + Child Dental
Bronze 60 PPO 6300/60 + Child Dental

Grandfathered (nonmetal) plans

These nonmetal plans were grandfathered under the Affordable Care Act on March 23, 2010. Groups currently offering grandfathered plans may continue to offer these plans along with metal plans, provided at least one employee must remain enrolled in the grandfathered plan for the plan to keep its grandfathered status.

Grandfathered (nonmetal) plan types include:

  • Copayment HMO
  • Deductible HMO
  • HSA-qualified deductible HMO
  • Deductible HMO with HRA
  • Point-of-service (POS)
  • PPO

Copayment HMO plans

$5 Copayment HMO Plan
$15 Copayment HMO Plan
$20 Copayment HMO Plan
$30 Copayment HMO Plan
$30 Copayment HMO Plan INF
$50 Copayment HMO Plan


 

Deductible HMO plans

Lower monthly payments, and doctor visits are not subject to the deductible.

$30/$1,000 Deductible HMO Plan
$30/$1,500 Deductible HMO Plan
$40/$2,000 Deductible HMO Plan


 

HSA-Qualified Deductible HMO plans

Lower monthly payments, plus optional employee-owned savings accounts provide an innovative way to pay for qualified medical expenses.

$0/$2,000 Deductible Plan with HSA Option
$0/$3,200 Deductible Plan with HSA Option
$0/$3,200 Deductible Plan with HSA Option INF
$30/$3,200 Deductible Plan with HSA Option


 

Deductible HMO plans with HRA

An IRS-regulated, employer-sponsored program that allows your employees to receive tax-free dollars from you to pay for qualified medical expenses

$30/$1,500 Deductible Plan with HRA
$30/$2,500 Deductible Plan with HRA
Additional benefits

For our HMO plans, additional coverage is available. For more information about vision and dental benefits, see the Plan Highlights.

Pediatric vision care for children who are under the age of 19 and are covered under an ACA metal plan. English (PDF) | Español (PDF)

Chiropractic/Acupuncture benefit summaries for the Platinum 90 HMO 0/10 + Child Dental Alt, Platinum 90 HMO 250/30 + Child Dental Alt, Gold 80 HMO 0/35 + Child Dental Alt, Gold 80 HMO 1000/40 + Child Dental Alt, Silver 70 HMO 1900/65 + Child Dental Alt, Silver 70 HMO 2300/65 + Child Dental Alt, Silver 70 HMO 2950/65 + Child Dental Alt, Bronze 60 HMO 5400/60 + Child Dental Alt Plans include chiropractic and acupuncture coverage, with the cost embedded in the medical plan rate. Please see the chiropractic/acupuncture benefit summary. English (PDF) | Español (PDF).
You can also find out about purchasing coverage through one of the exchange partners.

*Tax references relate to federal income tax only. Consult your financial or tax adviser for information about state income tax laws. Federal and state tax laws and regulations are subject to change.
†PPO plans are not available through Covered California for Small Business.

California 2023 Small business plans and products

Employers with 1 to 100 full-time and full-time-equivalent employees can find a mix of high-quality care, advanced services, and cost effectiveness with our plans. Groups currently offering grandfathered plans may continue to offer these plans along with metal plans.

Related links: Evidence of Coverage and Disclosure Forms (EOC)  | Summary of Benefits and Coverage (SBC) | Plan rates and highlights | Plan comparisons | Dental plans and rates | Chiropractic/acupuncture | Small Business Guidelines | Exchanges | Employee Assistance Program

Platinum plans

Summaries for platinum plans

Platinum plans offer the highest rates of all our plans and have the lowest out-of-pocket costs. Platinum plan types include copayment HMO and PPO plans.

Platinum 90 HMO 0/10 + Child Dental Alt
Platinum 90 HMO 0/20 + Child Dental
Platinum 90 PPO 0/15 + Child Dental

Gold plans

Summaries for gold plans

Gold plans offer lower rates than platinum plans, and lower out-of-pocket costs than bronze and silver. Gold plan types include copayment HMO, deductible HMO, deductible HMO with HRA, and PPO plans.

Gold 80 HMO 0/30 + Child Dental Alt
Gold 80 HMO 250/35 + Child Dental
Gold 80 HMO 1000/40 + Child Dental Alt
Gold 80 HDHP HMO 1600/15% + Child Dental Alt
Gold 80 HRA HMO 2250/35 + Child Dental
Gold 80 PPO 350/25 + Child Dental

Silver plans

Summaries for silver plans

Silver plans offer lower rates than gold and platinum plans, and lower out-of-pocket costs than bronze plans. Silver plan types include Deductible HMO, HSA-qualified high deductible HMO, and PPO plans.

Silver 70 HMO 1900/65 + Child Dental Alt
Silver 70 HMO 2300/65 + Child Dental Alt
Silver 70 HMO 2500/55 + Child Dental
Silver 70 HMO 2800/65 + Child Dental Alt
Silver 70 HDHP HMO 2700/25% + Child Dental
Silver 70 PPO 2500/55 + Child Dental

Bronze plans

Summaries for bronze plans

Bronze plans offer the lowest rates of all our plans with the highest out-of-pocket costs. Bronze plan types include deductible HMO, HSA-qualified high deductible HMO, and PPO plans.

Bronze 60 HMO 5400/60 + Child Dental Alt
Bronze 60 HMO 6300/65 + Child Dental
Bronze 60 HDHP HMO 7000/0 + Child Dental
Bronze 60 PPO 6300/65 + Child Dental

Grandfathered (nonmetal) plans

These nonmetal plans were grandfathered under the Affordable Care Act on March 23, 2010. Groups currently offering grandfathered plans may continue to offer these plans along with metal plans, provided at least one employee must remain enrolled in the grandfathered plan for the plan to keep its grandfathered status.

Grandfathered (nonmetal) plan types include:

  • Copayment HMO
  • Deductible HMO
  • HSA-qualified deductible HMO
  • Deductible HMO with HRA
  • Point-of-service (POS)
  • PPO

Copayment HMO plans

$5 Copayment HMO Plan
$15 Copayment HMO Plan
$20 Copayment HMO Plan
$30 Copayment HMO Plan
$30 Copayment HMO Plan INF
$50 Copayment HMO Plan


 

Deductible HMO plans

Lower monthly payments, and doctor visits are not subject to the deductible.

$30/$1,000 Deductible HMO Plan
$30/$1,500 Deductible HMO Plan
$40/$2,000 Deductible HMO Plan


 

HSA-Qualified Deductible HMO plans

Lower monthly payments, plus optional employee-owned savings accounts provide an innovative way to pay for qualified medical expenses.

$0/$2,000 Deductible Plan with HSA Option
$0/$3,000 Deductible Plan with HSA Option
$0/$3,000 Deductible Plan with HSA Option INF
$30/$3,000 Deductible Plan with HSA Option


 

Deductible HMO plans with HRA

An IRS-regulated, employer-sponsored program that allows your employees to receive tax-free dollars from you to pay for qualified medical expenses

$30/$1,500 Deductible Plan with HRA
$30/$2,500 Deductible Plan with HRA
Additional benefits

For our HMO plans, additional coverage is available. For more information about vision and dental benefits, see the Plan Highlights.

Pediatric vision care for children who are under the age of 19 and are covered under an ACA metal plan. English (PDF) | Español (PDF)

Chiropractic/Acupuncture benefit summaries for the Platinum 90 HMO 0/10 + Child Dental Alt, Gold 80 HMO 0/30 + Child Dental Alt, Gold 80 HMO 1000/40 + Child Dental Alt, Silver 70 HMO 1650/55 + Child Dental Alt, Silver 70 HMO 2100/55 + Child Dental Alt, Silver 70 HMO 2600/55 + Child Dental Alt, Bronze 60 HMO 5400/60 + Child Dental Alt Plans include chiropractic and acupuncture coverage, with the cost embedded in the medical plan rate. Please see the chiropractic/acupuncture benefit summary. English (PDF) | Español (PDF).
You can also find out about purchasing coverage through one of the exchange partners.

*Tax references relate to federal income tax only. Consult your financial or tax adviser for information about state income tax laws. Federal and state tax laws and regulations are subject to change.
†PPO plans are not available through Covered California for Small Business.