Small Business Coverage

For over 80 years, Blue Shield has delivered quality health coverage to California’s small businesses. Today, more than 40,000 small businesses rely on us for high-value plans with rich benefits and simple administration.

  • The right value—and values

    We believe in coverage worthy of our family and friends at a sustainably affordable price—that’s critical for businesses of any size.



    Tiered PPO and HMO options to satisfy every need and budget



    Reliable delivery, rich benefits, and thoughtful support



    Responsive, caring member service support; easy enrollment and admin tools for you

  • An overview of your plan options

    Plans are available through your broker, on the Covered California health exchange, or directly from Blue Shield.

  • Preferred Provider Organization (PPO) plans maximize members’ flexibility and choice, with more than 40 plan designs, compatibility with health savings accounts (HSAs), multiple PPO provider network options:Trio HMO plans, including new Bronze plan options


    A PPO plan is a great option when you want maximum flexibility. Our PPO plans offer members an expansive network, the option to go out of network, and the ability to see a specialist without a referral.

    Tandem PPO

    Our Tandem PPO plans deliver the same benefits as our full PPO plans but at a lower cost. Tandem offers a streamlined provider network with a complement of high-value member benefits including the Shield Concierge service model.

    A new plan for next-level care for a changing world

    Designed for your employees and made for you, Virtual Blue provides total care for your employees from virtually anywhere. This new generation of health plan offers high value, high-satisfaction coverage with integrated virtual primary, behavioral, and specialty care. Employees also have the option to seek in-person care when preferred:

    Anytime, anywhere, $0 virtual visits through AccoladeCare

    Dedicated virtual care team for each employee

    On-demand virtual care via phone, video, and in-app chat

    No-cost Virtual Blue Vitals Kit

    Nationwide PPO access for in-person care through Blue Shield’s network

  • HMO plans include all specialties and levels of care, with access to over 320 hospitals, and are each available with one of three HMO provider network options:Tandem PPO plans: A smarter PPO network

    Access+ HMO

    Access+ HMO® plans have access to our broadest HMO network with more than 40,000 doctors in California. These plans come with a range of premium and copayment options.

    Local Access+ HMO

    Employers who have a localized employee base and are looking to lower their healthcare spending should consider a Local Access+ HMO plan to best fit their needs.

    Trio HMO

    Blue Shield works with an accountable care organization (ACO) provider network to deliver integrated care at a better price through Trio HMO. These plans offer enhanced coordinated care and a more holistic view of health while reducing duplication of services and unnecessary costs.

  • For holistic coverage, add dental, vision, and life

    Competitive specialty bundle pricing is available when you add dental and vision coverage to a medical plan.

  • Dental

    Expansive provider options: Members can choose from 45,000+ PPO or 26,000+ HMO dentists across the state.

  • Vision

    The largest vision network in California includes doctors, specialists, and retailers like Target, LensCrafters, Walmart, and Costco.

  • Life

    Life insurance can help employees provide financial security to their families.

Choosing a plan: Where to start

  • How large is your company? (1-100)

    For up to 50 employees, we recommend reviewing Trio HMO plan options, which offer greater value for your healthcare dollar without skimping on coverage. Larger businesses (50–100) may prefer the flexibility of a Tandem PPO or other PPO plan.

  • What does your employee population look like?

    A tech start-up staffed with twenty-somethings has different needs than a distribution company that employs dozens of warehouse workers. Young families need maternity care. Consider the health profile of your company when shopping.

  • Will benefits help you stay competitive?

    What’s happening in your field? Are you losing talent to companies that offer better benefits? Is it important that your health plans reflect your company’s values? These are all things to consider as you shop for coverage.

  • Do you have multiple locations?

    HMO plans are focused on major California markets; that reach is ample for many businesses. If your employee base extends to less populated areas, you may prefer the reach of a PPO plan. Use the tool below to compare networks.

Have questions? We’re here to help you explore different coverage options.

What do your employees get with Blue Shield coverage?

  • Wellvolution: Free, proven health apps with life-changing results

    Our award-winning Wellvolution® platform features dozens of therapeutic apps that focus on mental health, smoking cessation, diabetes prevention, and other conditions. These life-changing programs are scientifically validated and address the root cause of issues, leading to real change and long-term improvement. Programs include WW for weight loss, Virta for diabetes management, Betr Health for gut health, Headspace for meditation, Ginger for mental health outreach, and more. All are available to members at no cost.

  • Maven: Next-gen family planning and maternity care

    Maven helps employees at every stage of family planning. Their holistic approach delivers better outcomes for less; it includes a dedicated care advocate, on-demand appointments, proactive interventions, and more.

  • More mental health access

    Blue Shield is working to embed mental health coverage alongside primary and specialty care. Currently, we offer a combination of self-guided care, in-person therapy, and programs for children and families.

  • For small business employers: A smart self-service platform

    Easy-to-use digital tools will help you compare plans (see below), enroll your company, and get employees on board. Of course, you can also get support from us when you need it.

    Use our network and plan comparison tools to compare plan options, premium rates, network coverage (based on region), and provider coverage.

    Small business pre-enrollment materials are available to order as microsites or PDF kits.

    Ask your broker about our easy, transparent enrollment process.

Compare plans, premiums, and network coverage

  • 80+ years strong and committed to a diverse, equitable future

    As a nonprofit, we’ve always put our members first. That includes operating on a stable financial footing and removing barriers to care, whether financial, logistical, or personal.



Let’s discuss how Blue Shield can help your workforce stay healthy and focused.