CalChoice - Let us find your best coverage - CaliforniaChoice small-business health plans with employee choice
CaliforniaChoice (CalChoice) lets a California small business set one fixed contribution while each employee picks the carrier and plan that fits them, all on one monthly bill. Send us a few details and our appointed CalChoice broker will compare plans across carriers – no cost, no obligation. Prefer to talk? Call 800-616-3490.
CalChoice Quote Request
Applicant Information:
Have these handy
- Employee census (age, ZIP code, coverage tier)
- Most recent quarterly wage report (DE 9C)
- Current plan summary and renewal, if any
- How much you want to contribute
Related coverage
What CalChoice coverage includes
CaliforniaChoice (CalChoice) is a private health insurance exchange built for California small businesses. Instead of picking one carrier for everyone, you set a fixed monthly contribution and each employee chooses the carrier and plan that fits their doctors and budget. You get one bill, one renewal and one point of contact, and employees get real choice. As an appointed CalChoice broker, we set up and service your group at no extra cost to you.
- Employee choice of carrier and plan - Each employee picks from leading California health plans, not just one.
- Fixed employer contribution - You set the dollar amount; employees apply it to the plan they choose.
- One bill, one renewal - Every carrier on a single monthly invoice and online account.
- Add-on benefits - Dental, vision, chiropractic and acupuncture, and life and AD&D.
- 12-month rate lock - Rates are guaranteed for the plan year.
- Appointed CalChoice broker - We handle new groups, renewals, plan changes and broker of record transfers.
Good to know: CalChoice is open to California businesses with 1 to 100 employees. Groups of 3 or more need 70% of eligible employees enrolled, the employer must contribute at least 50% toward the lowest-cost medical plan offered, the principal office must be in California with at least 51% of eligible employees living in the state, and active workers’ compensation coverage is required.
Not covered: individual and family plans (see Individual & Family Health / ACA), businesses headquartered outside California, groups over 100 employees, and non-employees such as most independent contractors.
Insurance Application:
CalChoiceBegin Application
Required forms
CalChoice Supplemental Application (PDF)Want to save and finish later? Complete it online
Benefits supplements (add any that apply)
Dental & Vision (PDF)Want to save and finish later? Complete it online
Disability Income (PDF)Want to save and finish later? Complete it online
Hospital Indemnity (PDF)Want to save and finish later? Complete it online
Accident & Critical Illness (PDF)Want to save and finish later? Complete it online
Download, complete and email to quote@societiesinsurance.com, or attach them with your quote request. More options are listed below.
Prefer to talk?
- Toll-Free: 800-616-3490
- East Coast: 706-550-4418
- West Coast: 206-755-0101
- info@societiesinsurance.com
-
Mon-Fri 8:00am - 6:00pm
Sat 9:00am - 12:00pm
Why CalChoice
The benefits of CaliforniaChoice for your business
CalChoice gives a small business the plan variety usually reserved for large employers, while keeping costs predictable and paperwork simple.
Employees choose
Each employee picks from leading carriers such as Anthem Blue Cross, Kaiser Permanente, Sharp, Sutter Health Plus, UnitedHealthcare and Western Health Advantage, based on their region.
Predictable cost
You set a fixed dollar contribution. Employees who pick a richer plan pay the difference through payroll; your cost stays the same.
One bill, one renewal
Every carrier and benefit lands on a single monthly invoice with one online account and one renewal date.
Complete benefits
Add dental, vision, chiropractic and acupuncture, and life and AD&D through the same enrollment.
12-month rate lock
Rates are guaranteed for the plan year, so there are no mid-year surprises.
Made for small groups
Built for California employers with 1 to 100 employees, including groups as small as one employee plus the owner.
Appointed CalChoice broker: Societies Insurance (in California, DBA Cavlogix Insurance Agency) has an agent appointed with CaliforniaChoice who can handle any CalChoice submission - new group applications, renewals, plan and benefit changes, adding or removing employees, and broker of record changes. Call 800-616-3490 or email quote@societiesinsurance.com.
Setting up CalChoice
What we need to quote CalChoice
Send us the basics and we will run CalChoice side by side with traditional group plans so you can compare.
Information to gather
- A census with each employee's age, ZIP code and coverage tier
- Your most recent quarterly wage report (DE 9C)
- How much you want to contribute for employees and dependents
- Your current plan and renewal, if you have one
- Any employees waiving with other coverage
Eligibility checklist
- Principal office in California
- 1 to 100 eligible employees, with 51% or more living in California
- 70% participation for groups of 3 or more (100% for 1 to 2)
- Employer pays at least 50% toward the lowest-cost medical plan
- Active workers' compensation coverage and a federal tax ID
Leaving Health Net? Health Net is exiting California's small-group market. On CalChoice it remains available only for groups with effective dates through January 1, 2027. If your employees are on Health Net, we can move them to another CalChoice carrier with no gap in coverage.
Employee benefits
Build your benefits package
Start with a CalChoice quote, then add benefits employees value.
Benefits
Dental & Vision
Dental and vision.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineDisability Income
Income protection if employees cannot work.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineHospital Indemnity
Cash benefits for hospital stays.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineAccident & Critical Illness
Lump-sum cash after an accident or diagnosis.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineEmployer coverage
Workers Compensation
Required for CalChoice, and for nearly every California employer.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineEmployment Practices Liability
Claims from employees.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineOther health options
Group Health
Traditional single-carrier small-group plans.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineIndividual & Family Health / ACA
Individual and family plans, including Covered California.
Get a quoteThis is a general overview. CaliforniaChoice eligibility, carriers, plans and rates vary by region and plan year and are set by CHOICE Administrators and the participating health plans; the plan documents control. Questions? Call 800-616-3490.