Sign In

UHC Plan & Rate Updates Effective January 2026

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

 

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.