---
title: Health Net Q3 2025 ACA Small Group Update
description: 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.
---

[News from Warner Pacific | Education and Events | Warner Pacific ](https://www.warnerpacific.com/news)

# [Health Net Q3 2025 ACA Small Group Update](https://www.warnerpacific.com/news/health-net-q3-2025-aca-small-group-update)

 Written by [Admin](https://www.warnerpacific.com/news/author/admin) | Apr 4, 2025 7:00:00 AM

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](https://www.healthnet.com/content/dam/centene/healthnet/pdfs/broker/ca/sbg/fb/2025/hn-sbg-portfolio-guide-2025.pdf)
- **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](https://www.healthnet.com/content/healthnet/en_us/brokers/forms-brochures/small-group.html) and [promotions (PDF)](https://www.healthnet.com/content/dam/centene/healthnet/pdfs/broker/ca/sbg/uw/hn-sbg-underwriting-promotions-flyer-q3-2025.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!   
  

[View full post](https://www.warnerpacific.com/news/health-net-q3-2025-aca-small-group-update)

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