Q3 Carrier Partner Updates, Broker Bonus Programs, News & More



Quarterly Rate Change Average: PPO: 0.2%, HMO: -0.1%
Annual/Renewal Rate Change Average: PPO: 3.8%, HMO: 2.0%

Earn 7% commission rate on new medical business for the life of the case when you sell any new small group with 5 or more enrolled employees for September 2022 effective dates! Anthem is offering a 6% commission rate for October 2022 – January 2023 effective dates for groups with 8 or more enrolled employees!
Click here for the flyer and eligibility details.
Click here for the October-January flyer and eligibility details.


Quarterly Rate Change: PPO: 2.5%, HMO: 2.6%

Sell Aetna Small Group and earn additional producer credits!

  • Producer Rewards! New business sold with effective dates of now through December 31, 2022, can qualify for Aetna’s producer reward program.
Total enrolled employees Credit per enrolled employee Additional Credit Per enrolled employee in an Aetna Whole Health or Sutter Health Aetna network plan
1 – 74 $50 $25
75 + $100 $50

Click here for the flyer and eligibility details.

No DE9C and participation promo through Q3. No DE9C is required for groups with 5+ enrolling.
Groups with 5-100 eligible employees can now meet 25% participation.

Attain by Aetna: this app helps you follow your own path to better health and earn gift certificates.
New national dental plans added to current offerings effective 7/1/22 and can be located on Producer World.

Blue Shield California

Average Annual  Renewal Rates: 6%
Average Dental/Vision Renewal Rate: 2.5%

Earn points with Blue Shield. 1 point = $1
Then choose your reward, they have gift cards to hundreds of different brands. Agents need to enroll in the program by visiting blueshieldca.com/ProducerRewards.

Relaxed Participation extended through 12/31/22


New Rates for Anthem, Blue Shield, Cigna + Oscar, HealthNet and UnitedHeathcare

No DE9C for 6+ medically enrolling employees

Covered California Small Business

Earn up to $8,000 for enrolling a new small group with CCSB. Coverage effective 7/1/22 through 1/1/23.
Group Size                           Incentive Earned

51-100                                        $8,000
26-50                                         $4,000
16-25                                          $2,000
6-15                                            $1,000

Click here for the CCSB Bonus Program Flyer

Cigna + Oscar

Q3 overall rate movement for CA 2-3%. Not all plans and rating areas show a premium increase

3 or more enrolling employees, no payroll, no DE9C or prior carrier bill.
Any 4 plans- any tier and any network combination.
Cigna + Oscar is filed in 14 rating areas in CA. Can be paired alongside any other carrier, and any other plan type (require 3 employees to enroll on C+O)

Exclusive Care Team Guides – each enrolled employee gets assigned to a 5 person care team for the highest standard of member services.
$0 virtual Urgent Care 24/7 with Board Certified Physician.
Member’s calendar year plan deductible and out-of-pocket max from prior carrier plan can be applied to a member’s new C+O plan for the current calendar year.


Health Net has a NEW broker incentive program for September 2022 through January 2023 new business effective dates! For new sales with September 2022 effective dates, get a special commission rate of 6% for the life of the case, for groups with just 6 or more subscribers enrolled.
For new sales with October 2022 through January 2023 effective dates, get a special commission rate of 6% for the life of the case, for groups with 9 or more subscribers enrolled.
Click here for the flyer and eligibility details.

New Simpler Selling – Changing out-of-state maximum requirement from 49% enrolled and eligible to just 49% of eligible employees.
Removing group size distinction for startup guidelines. Startup guidelines are now 4 weeks for payroll, with 2 weeks prior to the effective date regardless of group size.
Participation guidelines are reduced to 25% within Enhanced Choice A and Enhanced Choice B programs.
Flexible choices: 3 flexible underwriting promotions
Smoother enrollment: No DE9C paperwork is required for groups that qualify for underwriting promotions.


Q3 Rate Pass

Groups with 1-5 enrolled subscribers choose up to four HMO Kaiser Permanente plans, plus one PPO plan for a maximum of five plans.
Groups with 6+ enrolled subscribers choose one or more HMO Kaiser Permanente plans, plus one PPO plan

Click here for the PDF of our Q3 hot topics!


Dial 988: California’s New Mental Health Crisis Hotline Debuts

The new federal number is billed as an alternative to 911 for people experiencing mental health emergencies. The plan has been in the works for nearly two years. Click here to read the full story.

California’s New $100 Million Plan To Make Insulin Cheaper: What You Need To Know

California will begin making its own low-cost insulin in an effort to make the essential diabetes treatment more affordable. With a budget of $100 million, California plans to “contract and make our own insulin at a lower price, close to at cost, and to make it available to all,” Newsom said. Click here to read the full story.