UHC Plan & Rate Updates Effective January 2026
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UHC announced plan and rate updates for January 1, 2026 effective dates. Rates are available for quoting!
Rates
Quarterly medical changes (averages, may vary by plan and region):
- HMO:
- Northern CA: 6.0%
- Southern CA: 4.3%
- PPO:
- Northern CA: 4.5%
- Southern CA: 4.5%
- Navigate:
- Northern CA: 13.2%
- Southern CA: 13.2%
Annual medical changes (averages, may vary by plan and region):
- HMO:
- Northern CA: 13.9%
- Southern CA: 11.1%
- PPO:
- Northern CA: 12.8%
- Southern CA: 13.5%
- Navigate:
- Northern CA: Pending
- Southern CA: Pending
Portfolio Updates
UHC is making the following changes to their portfolio for the 2026 plan year:
- Starting October 1, 2025, HMO and PPO products will be consolidated onto a single platform for all renewals and new business
- 54 plans in Choice Simplified and 12 plans in MultiChoice State Package
- The Silver PPO Non-Diff will remain available in both packages (OOA plan when Select Plus is not available)
- Infertility optional benefit will continue with the following rate load: HMO 3.4% & PPO 4.9%
- Virtual Visits are a $0 member cost share, except for HDHP plans
- 2026 PDL’s will be posted on Prescription Drug Lists | UnitedHealthcare (uhc.com) once available. The following PDL’s apply based on network:
- Under the California plans category, Small Group-Standard plans section, select the following:
- Navigate plans = Standard Tier 4 PPO Prescription Drug List CDI Version
- All other plans = Standard Tier 4 HMO and PPO Prescription Drug List DMHC Version
- Under the California plans category, Small Group-Standard plans section, select the following:
Book Rates
Book rates will be posted to the B&P website when they are available.
For questions or help with a UHC quote, please contact a member of your B&P Sales Team – (888) 722-3373.