For nearly 30 years, CaliforniaChoice has helped California small businesses offer flexible, affordable health insurance. As one of the nation’s leading private health insurance exchanges, we’ve continued to grow, and for good reason.
So what makes CaliforniaChoice the best health insurance program for small businesses in California? Here are 11 reasons employers keep choosing us.
What Makes CaliforniaChoice One of the Best Small Business Insurance Programs in California
- A Proven, Fast-Growing Program.
CaliforniaChoice is one of the fastest-growing small business health insurance programs in California. We proudly serve more than 23,000 groups and nearly 379,000 members.
- Seven Health Plans. 100+ Coverage Options. One Program.
We offer unmatched choice. Employees can select HMO, PPO, or HSA-qualified plans from seven trusted health plans, including Anthem Blue Cross, Health Net, Kaiser Permanente, UnitedHealthcare, and strong regional options like Sharp Health Plan, Sutter Health, and Western Health Advantage. Everyone gets the plan that works best for them all in one program.
- Cost Control Made Simple With Defined Contribution.
With Defined Contribution, employers decide how much to contribute — either a fixed dollar amount or a percentage. Employees apply that contribution to the plan they prefer. If they want more coverage, they pay the difference. Simple, predictable, and budget-friendly.
- Flexible Renewals That Adapt to Your Budget.
At renewal, employers can adjust their contribution up or down. That flexibility helps manage rising costs and lock in budgets for the next 12 months.
- Access to More Doctors and Hospitals.
With more than 100 plan options across Bronze, Silver, Gold, and Platinum tiers, employees get broader access to doctors, specialists, and hospitals, often at better price points. More choice means better care for every budget.
- Benefits That Actually Fit Your Employees.
No two employees are the same. CaliforniaChoice replaces one-size-fits-all benefits with real choice, helping you attract and retain talent by giving employees plans that match their individual or family needs.
- Health Coverage Plus Dental, Vision, and More.
Beyond Medical coverage, employers can offer Dental (HMO & PPO), Vision, Chiropractic, Life, and AD&D — all through one streamlined program.
- Built-In Tax-Saving Benefits.
Our Business Solutions Suite includes no-cost Flexible Spending Accounts (FSAs), Premium Only Plans (POPs), and free COBRA or Cal-COBRA invoicing and administration. These tools lower payroll taxes and help employees pay premiums pre-tax.
- Popular Value-Added Perks Employees Love.
Through the Member Value Suite, employees save on wellness services, fitness memberships, vision and hearing care, prescription drugs, pet insurance from Spot and MetLife, entertainment tickets, travel deals, and more.
- Extra Protection Through the Member Marketplace.
Employees can add Accident, Critical Illness, Hospital Indemnity, and Legal Plans, all backed by MetLife. Best of all, coverage is portable and can stay with them even if they change jobs.
- Preventive Care, Wellness, and Telehealth.
Preventive care helps catch health issues early and reduce long-term costs. Many CaliforniaChoice plans include preventive services at no cost before deductibles, plus access to telehealth and wellness programs.
Talk to a Broker to Learn More
A health insurance broker can help you find the right benefits for your business, whether you have one employee or 100. Ask your broker for a CaliforniaChoice quote tailored to your employees and budget. If you don’t already have a broker, it’s easy to search for one at MyCalChoice.com.
