CCSB Plan & Rate Updates Effective January 2026

Covered California for Small Business announced rate updates for January 1, 2026 effective dates. Rates are available for quoting!

Rates

Quarterly trend from 2025 Q4 to 2026 Q1 (may vary by plan and region): 

• Blue Shield:
  • HMO: 2.3%
  • PPO: 2.3%
• Kaiser Permanente: 7.4%*
• Sharp Health Plan: 0.6%

*Reminder: Kaiser Permanente only changes rates once a year (January) so their quarterly trend from Q4 2025 to Q1 2026 is the same as their annual trend.

Annual trend from 2025 Q1 to 2026 Q1 (may vary by plan and region): 

• Blue Shield:
  • HMO: 8.8%
  • PPO: 7.7%
• Kaiser Permanente: 7.4%
• Sharp Health Plan:
  • Plans without added INF: 7.5%
  • Plans with added INF: 59.7%

Bonus Program

Covered CA for Small Business is running a bonus program for July 1, 2025 through January 1, 2026 effective dates. See CCSB's A Partnership That Pays flyer to learn more. 

For questions, please contact a member of your B&P Sales Team - (888) 722-3373.