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.

  • Trio HMO plans, including new Bronze plan options

    Trio HMO is driven by our accountable care organization (ACO) networks to deliver better value and outcomes. Trio HMO covers all of California’s major markets.

    In-network: 21,000+ providers/340+ hospitals across 28 California counties

    $0 copay for virtual care from Teladoc® providers (including mental health care)

    Shield Concierge: High-touch, one-stop member service for claims and coverage information, holistic health support, pharmacy questions, and more

    Grocery discounts, post-procedure meal delivery, and other benefits

  • Tandem PPO plans: A smarter PPO network

    There’s an ideal middle ground between paying for a full PPO network and paying for just enough PPO network to fulfill the needs of your company or client. Tandem is a targeted PPO that delivers more savings and benefits—a “just right” solution for many.

    In-network: 55,000 providers/355 hospitals across California

    Members can see specialists without a referral

    $0 copay for virtual care from Teladoc® providers (including mental health care)

    One-stop customer service with Shield Concierge

  • 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.