Get To Know CalCPA Health
If you haven’t worked with CalCPA Health before, now is the time.
The California Society of Certified Public Accountants (CalCPA) has expanded membership to include financial professionals, which opens the door for CalCPA Health to serve not only California CPA firms, but also financial services firms that are CalCPA members.
Who qualifies? Financial services firms include businesses that manage or advise on finances, such as: wealth management firms, financial advisors, fiduciaries, and lenders.
This expansion creates new opportunities for brokers. Many of your existing business clients already work with, or are, CPA and financial service firms. These are now eligible prospects for CalCPA Health plans.
New for 2026: Alternative Health Plans (AHPs)
CalCPA Health offers Alternative Health Plans (AHPs) powered by Coupe HealthTM—designed to bring innovation, clarity, and simplicity to your healthcare experience and makes costs more predictable.
These plans leverage the full Anthem PPO network, just like our traditional offerings, but with a fresh approach: a simplified, tiered copay structure. Members will know their costs upfront – no surprise bills. These plans come at a lower cost than our traditional plans, with easy access to quality care nationwide. Visit the AHP microsite to learn more and search for in-network healthcare providers.
What makes AHPs different?
- No deductibles,* no coinsurance, no specialist referrals, no gatekeepers
- Fixed, easy-to-understand copays
- Access to Anthem’s Prudent Buyer PPO network – the largest in California
- Small Group and HSA-qualified options (rare in the market)
*Two AHPs are HSA-compatible HDHPs, which do include a deductible.
CalCPA Health provides health and benefit plans to California CPAs and financial service firms of all sizes – who are members of the California Society of CPAs. We are a licensed carrier in California that is authorized to write medical, dental, vision, life, and LTD. Small employers have access to the same benefits, provider networks, wellness programs, and services as large employers. Our clients understand the many benefits of Health Saving Accounts (HSAs), and we have responded with the largest offering of HSA plans in the state and a unique “integrated” HSA administrative capability, making it simple for employees to manage their claims and employers to manage eligibility. You owe it to your clients to tell them about CalCPA Health – here are some reasons why:
- 40+ plans available
- Medical PPO, EPO, HSA, HMO and AHP
- Dental; Vision; Long-Term Disability and Life
- One point of contact for all lines of coverage – one bill
- The largest provider networks available in CA:
- Anthem Prudent Buyer (large group)
- Delta Dental and Vision Service Plan (VSP)
- Express Scripts Pharmacy (ESI) and CarelonRx for pharmacy
- Lincoln Financial Group for Group Life Policy and Long-Term Disability
- Fully integrated Health Savings Account (HSA) administration
- Largest offering of HSA plans available in California
- CalCPA Health plans can stand alongside Kaiser with low participation requirements
- Spousal Medical Coverage Extension (SMEE) – when a CalCPA member leaves CalCPA Health’s plan to go on Medicare, the younger spouse may stay with CalCPA Health
- Complimentary COBRA administration for all groups
CalCPA Health is available to eligible financial business (generally, more than 50% of ownership must be members of the California Society of CPAs – CalCPA).
- Owners-only firms can be written as a small group
- Owner and W-2 Spouse can be written as a small group
- Rates are based on the employee’s ZIP code (not the firm’s ZIP)
Prospecting is straightforward – network off your existing business clients. Every one of your current business clients has a CPA / financial services firm – tell them about this unique and exclusive health and benefits plan offering.
Learn how to bring CalCPA Health products to your existing clients and win new ones! 866-954-7406 / info@CalCPAHealth.com
Note: Eligibility requirements (in-part): CalCPA Health is available to CalCPA member firms and financial professional firms in public practice or offering general financial services. To obtain or retain eligibility, at least 50% of all the Employer’s owners (i.e. principals, proprietors, partners, shareholders or other owners) must be active members of CalCPA and remain in good standing. CalCPA Health does not offer Medicare plans.
Start Your Quote
CalCPA Health Rate Stability Table
| 2024 | 2.50% |
| 2023 | 5.10% |
| 2022 | 7.20% |
| 2021 | 5.00% |
| 2020 | 5.60% |
| 2019 | 3.49% |
| 2018 | 2.50% |
| 2017 | -2.75% |
| 2016 | 2.00% |
| 9-year Average | 3.37% |