Choice Stories

November 16, 2020

CaliforniaChoice Plan Comparison: UnitedHealthcare and Sharp Health Plan

CaliforniaChoice gives you and your employees the freedom to choose coverage from eight different health plans in a single program. "Choice" is a part of our name – and we have been offering more health plan options to Californians since 1996.

Choice is important, but having information to help you understand the advantages offered by each of your health plan options is essential, too. That’s why we launched this ongoing series of comparisons to break it down for you.

The comparison below looks at UnitedHealthcare, available statewide, and Sharp Health Plan, which serves the San Diego area.


UnitedHealthcare of California provides access to quality care and helps you manage your family’s health care costs. The insurer’s large California HMO network includes local physicians and health care professionals in your community. Offering a combination of benefits, quality care, wellness programs to help keep you and your family healthier, and award-winning customer service makes UnitedHealthcare the smart choice for your family’s health care coverage needs.

UnitedHealthcare Benefits Overview

  • A broad network of quality local doctors and hospitals
  • A member website,, providing online tools and resources
  • Health and wellness programs
  • Preventive care for covered family members
  • Fitness reimbursement program

Sharp Health Plan

Sharp Health Plan is the only local, commercial health plan serving San Diego since 1992. As a non-profit company, Sharp Health Plan gives back to the community by providing access to affordable health care of the highest quality, serving a variety of organizations ranging from small businesses to large employers to municipalities.

Sharp Health Plan Benefits Overview

  • HMO Platinum, Gold, Silver, and Bronze plans
  • High Deductible Bronze HMO and Health Savings Account (HSA) plans
  • High-performance health care network with more than 600 Primary Care Physicians, 1,100 specialists, and 13 local hospitals
  • Sharp Nurse Connection after-hours nurse advice line
  • Global emergency service program operated by Assist America
  • Treatment for minor illnesses and injuries available at CVS MinuteClinic® locations nationwide

The CaliforniaChoice Advantage

With CaliforniaChoice, you and your employees can find a health plan that best meets your individual needs. One of your employees might choose UnitedHealthcare because of its statewide provider network. Another employee might prefer the benefits of a “hometown” health care provider like San Diego-based Sharp Health Plan. With CaliforniaChoice, they both get what they want – plus the option to choose from six other plans, too.

The advantages of CaliforniaChoice are not just for your employees. There are benefits for you, too -- like the ability to manage all of your employees’ health insurance benefits in a single program and pay just one monthly bill. CaliforniaChoice also offers single source administration for enrollment, eligibility, and customer service.

Check back to see additional CaliforniaChoice comparisons for these health plans:

  • Anthem Blue Cross
  • Health Net
  • Kaiser Permanente
  • Oscar Health
  • Sutter Health Plus
  • Western Health Advantage

An employee benefits agent can help you learn more about all of the advantages and coverage options from CaliforniaChoice. If you do not have an agent, we can help you can find one here.

Your Beginner's Guide to Choosing a Small Business Employee Benefits Program

Do you need help choosing the right health benefits for your employees?
This guide can help!