With nearly 212,000 financial and insurance firms in California — including tens of thousands of CPAs, brokers, and agents — businesses like yours are the backbone of the Golden State’s economy. But when it comes to finding the right health coverage for your employees, the options can feel limited, especially if you have fewer than 100 employees.

That’s where CaliforniaChoice comes in. CaliforniaChoice is a private health insurance exchange that’s been trusted by California’s small businesses since 1996, offering flexible, affordable health plans that bring big-company benefits within reach. Today, more than 23,000 employers and nearly 381,000 members count on CaliforniaChoice for quality coverage with extensive provider access.

Health Insurance for Financial Firms, Insurance Companies, CPAs, and Brokers

Why are more and more financial and insurance businesses choosing CaliforniaChoice? CaliforniaChoice offers a unique “California Different” approach, giving you and your employees more options than any other single health insurance program in the state. No matter the size of your team — from one to 100 — you’ll find coverage options tailored to fit your diverse needs.

1: Begin by Selecting Your Plan

Discover the flexibility that sets CaliforniaChoice apart. Each member can choose from a variety of coverage options tailored just for them. In 2025, employees get access to seven health plans, offering dozens of coverage choices each. Across the state, you’ll find 100+ options at your fingertips.

Here’s how it works. One of your employees might choose a PPO (Preferred Provider Organization) plan because it includes a particular doctor or hospital in its network. Another employee, who rarely visits the doctor, might choose an HMO (Health Maintenance Organization) plan. And a third employee might choose a Health Savings Account (HSA)-compatible plan because of its cost and tax advantages. Employees can each choose what they need with CaliforniaChoice.

The health plans participating in CaliforniaChoice for 2025 are:

• Anthem Blue Cross
• Health Net
• Kaiser Permanente
• Sharp Health Plan
• Sutter Health Plan (currently doing business as Sutter Health Plus)
• UnitedHealthcare
• Western Health Advantage

The availability of each plan depends on where you and your employees live. Some plans are available statewide, while others are offered regionally.

2: Cost Control for Your Business

CaliforniaChoice puts you in charge of your health care budget. You decide what amount you want to contribute to your employees’ premiums.

There are two options. You can select a Fixed Percentage (50% to 100%) of a specific plan or benefit. Or you can contribute a Fixed Dollar Amount for each employee. (All employees must receive the same contribution toward their plan premiums.)

Your employees apply your generous contribution to the health plan and benefits they like best. If the plan they prefer costs more than you’re contributing, the employee pays the difference. It’s that simple.

At renewal, you can change your premium contribution for your next plan year. You can adjust it — up or down. That puts you in control of your benefits costs for another 12 months.

If your employees want to make changes to their health coverage, they can move to a different plan or choose another plan from the same insurance company. They don’t have to leave the CaliforniaChoice program.

3: Medical, Dental, Vision, and Much More

CaliforniaChoice offers more than just health coverage. You can offer ancillary benefits for your employees – and take advantage of no-cost value-added benefits:

• Dental: Choose from three Dental plans – a MetLife or SmileSaverSM Dental HMO or an Ameritas Dental PPO.
• Vision: Voluntary Vision from Vision One Eyecare offers discounts on vision care services and prescription eyewear.
• Chiropractic: Landmark Healthplan offers chiropractic benefits like exams and adjustments plus optional benefits for acupuncture.
• Life and AD&D: Coverage is available from Assurity Life with Accidental Death & Dismemberment benefits and a living benefits provision.

The CaliforniaChoice Business Solutions Suite and Member Value Suite include a variety of no-cost extras that you and your employees will appreciate:

• A no-cost Premium Only Plan (POP) that allows employees to pay their insurance premiums with pre-tax dollars.
• A Flexible Spending Account (FSA) that lets employees put aside funds on a pre-tax basis to use for eligible FSA medical expenses like copays and Rx (for groups with 15 or more employees)
• COBRA participant invoicing, premium collection, and remittance (Availability of Cal-COBRA or federal COBRA billing services depends on your company’s group size)
• Dental Care services at reduced fees through Dentegra® Smile Club dentists – 20,000+ strong
• Savings on hearing tests, hearing aids, batteries, and more from EPIC Hearing Service Plan
• Prescription drug savings when using the California Rx Card (cardholders may be able to reduce their Rx out-of-pocket costs to less than their health plan copay)
• Free Cal Perks membership offering savings on tickets to theme and water parks, sporting events, museums, and movies – plus travel and other discounts, too
• Discounted fitness center memberships and savings on wellness services and products

Learn More by Talking with a Broker

Find out how CaliforniaChoice can enhance your employee benefits while keeping your costs in check. Reach out to your health insurance or employee benefits broker for more details.