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Bridge

Carriers

Eight carriers, matched network to network.

Bridge quotes California small group direct with the carriers below, in all 19 rating regions. Every network is tagged by breadth, so a narrow plan is only ever compared with a narrow plan.

  • Full network
  • Selective network
  • Narrow network
  • Integrated network

  • Anthem Blue Cross

    • CaliforniaCare HMOFull
    • Select HMOSelective
    • Vivity HMONarrow
    • Priority Select HMONarrow
    • Prudent Buyer PPOFull
    • Select PPONarrow

  • Blue Shield of California

    • Access+ HMOFull
    • Local Access+ HMOSelective
    • Trio HMONarrow
    • Full PPOFull
    • Tandem PPONarrow

  • UnitedHealthcare

    • SignatureValue HMOFull
    • Alliance HMOSelective
    • Harmony HMONarrow
    • Select Plus PPOFull
    • Core PPONarrow

  • Aetna

    • Aetna HMOFull
    • Value Network HMOSelective
    • Whole Health HMONarrow
    • Savings Plus POSNarrow
    • Managed Choice POSFull
    • Open Choice PPOFull

  • Kaiser Permanente

    • Kaiser Permanente HMOIntegrated

    Closed, integrated HMO. Quoted when the group is all HMO; left out when a PPO has to be preserved.

  • Sharp Health Plan

    • Premier HMOFull
    • Choice HMOSelective
    • Performance HMONarrow
    • Value HMONarrow

    San Diego service area.

  • Sutter Health Plus

    • Sutter Health Plus HMOIntegrated

    Northern California service area. Treated like Kaiser: an integrated network.

  • Western Health Advantage

    • Western Health Advantage HMOIntegrated

    Sacramento-area service area. Treated like Kaiser: an integrated network.

Read as the incumbent

A group on Health Net, CaliforniaChoice or Covered California for Small Business today can still be quoted: Bridge reads the renewal, classifies the current plans and prices the carriers above as the options. Health Net is leaving California small group, so it is never offered as an option.

Regions and rates

The group's ZIP sets its rating region, and every member is age-rated from carrier small-group table rates. Rates on file today cover effective dates from January 1 through March 31, 2027. The provider network page lists medical groups for Los Angeles, the Inland Empire and Orange County; other regions skip that page.

The four rules

  1. 1Network breadth matchedA full network is compared with full networks, a narrow one with narrow ones. A narrow HMO is never priced against a full HMO and called a win.
  2. 2Metal tier matched, plan by planEach current plan gets a like-for-like plan at every carrier: Platinum against Platinum, Gold against Gold, HMO against HMO, PPO against PPO or POS.
  3. 3Every employee assignedNobody falls out of the math. Each employee is mapped from their current plan to a plan at each option, with their own age-rated premium.
  4. 4Compared on total monthly premiumOptions are ranked on what the group pays each month, all plans, all members. The renewal is the baseline when there is one.
Leave a carrier out of your quotes