Health Net Plan & Rate Updates Effective January 2026
Health Net announced plan and rate updates for January 1, 2026 effective dates. Rates are available for quoting!
Rates
Quarterly Rate Change (may vary by plan and region)
- HMO: 3.6%
- PPO: 3.2%
Annual Rate Change
- HMO: 12.2%
- PPO: 8.6%
Dental: New rates and new plans available.
Vision: No rate or plan changes at this time.
Optional chiro: All plans will have the chiro rider option in 2026. The chiro rider will be an additional $3.00 PMPM for all HMO and PPO plans.
No New Or Discontinued Medical Plans in 2026
Health Net is keep their Medical portfolio the same in 2026 which minimizes client disruption and maintains consistent benefit designs. Please note that plans may have slight adjustments due to the actual value calculator requirements.
Dental Plan Updates
Health Net is introducing two new Dental PPO plans in 2026 with implant and ortho coverage.
Below is a snapshot of the benefits of each of Health Net's new Dental PPO plans. Please see the benefit summaries linked above for complete details.
| Benefit | Essential 10 3000 | Essential 11 5000 |
|---|---|---|
| In-network Deductible | $25 single / $75 family | $25 single / $75 family |
| Annual Maximum | $3,000 | $5,000 |
| In-network | 100/80/50 | 100/80/50 |
| Out-of-network | 100/80/60 | 100/80/50 |
| Endo/Perio | Basic | Basic |
| Implant Coverage | 50% ded applies | 50% ded applies |
| Child/Adult Ortho | 40% ded applies, $3,000 lifetime max | 40% ded applies, $5,000 lifetime max |
| OON Reimbursement | Fee schedule | Fee schedule |
Health Net is removing the Dental Essential 9 plan for the 2026 plan year.
Simplified Underwriting Programs
Enhanced Choice
- 4+ enrolled subscribers minimum.
- No DE9C, payroll, or ownership documents are required.
- No prior carrier bill is required.
- No waivers for 10+ enrolling employees (unless paired with Life or Employer paid Dental/Vision).
- No participation attestation:
- 4-9 enrolling employees: 25% participation is required (coverage with another carrier does not count against the 25% participation)
- 10+ enrolling employees: No participation requirement and no waivers (when not paired with Life or Employer paid Dental/Vision)
Flexible Underwriting
- 2 weeks of payroll for a Startup Group of any size (down to 1)!
- Mix and match any of Health Net's 61 plans.
- Health Net can be written alongside any carrier, no limit to the number of carriers if participation is met.
- Standard guidelines:
- 70% participation for groups of 1-4 enrolling.
- 25% participation for groups of 5-100 enrolling - not a promotion!
- Health Net accepts PEO subgroups with a quarterly wage report or 2 weeks of payroll from the PEO.
Book Rates
Book rates will be posted to the B&P website (login required) when they are available.
For questions, please contact a member of your B&P Sales Team – 888.722.3373.