Coverage Levels
The coverage levels — Platinum, Gold, Silver and Bronze — organize plans by how costs are shared between the plan and the employee. Higher tiers generally mean lower out-of-pocket costs for employees and higher monthly premiums.
Health Plans for Small Businesses
Small businesses can enroll year-round in health insurance for employees through Covered California for Small Business. Employees can choose from health plans from leading insurance companies with options across coverage levels and price points.
Health Plan Options for Employees
When you offer health insurance through Covered California for Small Business, your employees can choose from plans from multiple insurance companies. Health plans are organized into coverage levels — Platinum, Gold, Silver and Bronze — so that your employees can find the one that fits their needs and budget. You can review each insurance company's network to see which doctors, hospitals and service areas are included, then get a quote or check your eligibility when you're ready to move forward.
Available Health Insurance Companies
Each company offers a range of health plans across coverage levels and networks. Review their plan details, available options and plan documents.
Choose From Four Coverage Levels
CCSB offers health plans across all four coverage levels: Platinum, Gold, Silver and Bronze. As the coverage level increases, plans generally cover a higher share of medical costs — and employees typically pay more in monthly premiums. As an employer, you control your contribution amount and can offer employees a range of tier options — so they can find the health plan that fits their budget and health needs.
When offering two or three tiers, the tiers must be adjacent, meaning they must be next to each other in the tier sequence. For example, Bronze and Silver qualify, but Bronze and Gold do not.
What to Consider
Before offering health plans to your employees, review these key factors to find the right fit for your business.
Networks
Each carrier has its own network of doctors, hospitals and service areas. Review network summaries to understand which providers may be available to your employees.
Plan and Benefit Summaries
CCSB provides standard benefit summaries for each plan tier. Review these documents to compare what each plan covers and how benefits may have changed from the prior year.
Creditable Coverage
If your business has Medicare-eligible employees, you may be required to provide an annual written notice about whether your prescription drug coverage is creditable, meaning it meets Medicare Part D standards.
Ready to find the right plans for your business?
Get a personalized quote or reach out to CCSB for help choosing the right health plans for your employees.
Plan and Benefit Summaries
Standard benefit summaries are available for each coverage tier.
2026 Plans
2025 Plans
Creditable Coverage
Employers must provide an annual written notice to each Medicare-eligible employee explaining whether the company's prescription drug coverage is creditable, meaning it covers at least as much as standard Medicare Part D. This information helps employees decide whether they need to enroll in a separate Medicare drug plan.
2026
2025
Health and Dental Plan Network Map
Network availability varies by region. Use the maps below to see which health and dental plans and networks are available in your area — organized by carrier and California county.