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Health Net Plan & Rate Updates Effective January 2023

Health Net announced plan and rate updates for January 1, 2023 effective dates. Rates are available for quoting!



Quarterly Rate Change

  • HMO/HSP: 0.9%
  • PPO: -1.5%


Annual Rate Change

  • HMO: -2.9%
  • PPO: 0.7%


Health Net has had extremely consistent pricing over the last couple of years:


Dental: New rates available. No plan changes at this time.

Vision: No rate or plan changes at this time.

Optional chiro: New for 2023, all PPO plans will have the chiro rider option. The chiro rider will be an additional $3.00 PMPM for all HMO and PPO plans.


2023 Portfolio Highlights

  • 2023 portfolio will all be under the DMHC
  • Continuing no medical deductibles on HMO plans on Full, WholeCare, SmartCare, and Salud networks
  • Simplifying PPO plan naming and removing the term "value" from plan names
  • Annual medical plan cost sharing adjustment to ensure continued ACA and CA regulatory compliance
  • Adding Chiropractic buy-up rider for all PPO plans to match HMO options
  • Eliminating member copays and coinsurance for abortion services
  • There will only be one Enhanced Choice package in 2023 and all plans will be available in it
  • The EnhancedCare PPO and PureCare HSP networks have been removed


Important Dates

  • 10/10/22 - January renewals emailed to General Agents
  • 10/17/22 - January renewals mailed to Brokers
  • 10/28/22 - January renewals mailed to Employer Groups


Broker Bonuses

As a reminder, Health Net's 6% commission rate on new medical business for the life of the case when you sell any new Small Group with 9 or more enrolled employees continues from October 2022 through January 2023 effective dates. See their flyer for complete details.


Book Rates

Book rates will be posted to the B&P website when they are available.


For questions, please contact a member of your B&P Sales Team – 888.722.3373.