California Group Insurance Carriers

We are an independent California agency. We quote every carrier that will write your group, not one. These are the carrier guides we maintain for California employers, reviewed August 2026.

Fully insured carriers

Anthem Blue CrossBroadest PPO access, statewide reach, BlueCard for out-of-state staff.Blue Shield of CaliforniaHMO, PPO, HSA and virtual-first plans for groups of 1 to 100 and up.Kaiser PermanenteIntegrated care and coverage; often the price leader where employees accept it.Health NetTailored-network pricing, strong in Southern California and the Central Valley.Sharp Health PlanSan Diego nonprofit HMO and POS plans with tiered networks, 1 to 100+ employees.UnitedHealthcareNational network for multi-state groups plus a CA level funded product.AetnaFunding Advantage level funding now in California; CVS Health integration.

Specialty and alternative funding

CignaMid-size and large groups; level funding from 25 employees.SurestUHC copay-only design with upfront pricing, for 51+ employee groups.Arlo HealthLevel funded newcomer listing CA availability; we verify at quote time.

Not sold in California

Sana Benefits, Angle Health and Optimyl Benefits, level funded names you may see recommended in national articles, do not sell in California. The state stop-loss law is the reason: our level funded guide explains it.

How your plan should be funded

Carrier is only half the decision. See our guides to fully insured, level funded, self-funded and ICHRA arrangements, see how CalChoice lets each employee pick a carrier, or start at the funding types overview.

Looking for a group quote? Call (855) 847-7020 ext. 3 or tell us about your group.