Health Net Q3 2025 ACA Small Group Update

Health Net is your big option source for small business. They’ve got all you need to sell and renew small business in Q3 2025. 

Check out Health Net’s Q3 2025:

• Rates release
• Teladoc telehealth services
• Underwriting guidelines

Rates summary¹:

• Medical: Q3 2025 small business rates will have a 2.3% increase for HMO plans, and a 1.5% increase for PPO plans.¹
• Dental: No rate or plan changes at this time.
• Vision: No rate or plan changes at this time.
• Optional Chiro: All 2025 plans have the chiro rider option. The chiro rider is an additional $3.00 PMPM for all HMO and PPO plans.

These rates are available now in ProQuote
¹ The medical rates represent statewide averages. Actual plan rates vary by rating region. Percentages shown compare Q3 2025 rates to Q2 2025 rates.

Boost your book of business with Health Net’s  latest underwriting guidelines and promotions (PDF).

• Competitive selling:
  • Health Net's Enhanced Choice offers small business groups a simplified package offering access to all plans with no limits to the number of plans and networks you can offer
  • Chiropractic rider applies to both HMO and PPO
• Flexible choices: Two separate underwriting promotions
• Straightforward enrollment:
  • No DE9C, payroll or ownership documents required for groups that qualify for Health Net’s underwriting promotions
  • Health Net can be written alongside any carrier – enrolling on the other carrier is a valid waiver when enrolling at least 5 subscribers with Health Net
  • Mix and Match any of the Health Net plans and networks. No limit!
  • 2 weeks of payroll for a Startup Group of any size
  • Health Net accepts PEO subgroups with a quarterly wage report or 2 weeks of payroll from the PEO
  • Enhanced Choice: Groups with a minimum of 5 enrolling employees - mix and match any plans from the HMO and PPO networks: 
    • NO DE 9C, payroll or ownership documents
    • NO Prior carrier bill 
    • All eligible employees declining coverage must provide a waiver including those enrolling with another carrier 
    • Minimum participation: 5-100 enrolling employees, 25% participation is required
  • Sell HMO with 6 Groups with a minimum of 6 enrolling employees – Mix and match any plans from the HMO networks: 
    • NO DE 9C, payroll or ownership documents 
    • NO Participation attestation NO Prior carrier bill 
    • NO Waivers (when not paired with Life or Employer Paid Dental/Vision.) 
    • NO Participation requirement

For questions, reach out to a member of your sales team!