New Small Group Health Plan Comparison Tool
For more than a decade, CalCPA Health has maintained modest rate increases, but this year, multiple factors in the healthcare market are affecting all California health insurers.
Healthcare increases result from several converging factors rather than any single cause:
- Rising prescription drug costs, including new and costly GLP-1 weight-loss medications
- GLP-1 medications, such as Ozempic and Wegovy, have created unprecedented costs
- This single category of drugs is adding significant pressure across all health insurance carriers
- California continues to expand required coverage benefits and each mandate increases costs for all carriers
- Ongoing medical inflation driven by higher provider costs and utilization
What hasn’t changed: our commitment to delivering exceptional value and coverage to CalCPA member firms.
Founded in 1959 by the California Society of CPAs, CalCPA Health has been dedicated to providing high-quality, boutique-style health and benefit solutions tailored to the needs of CPAs and financial professionals. From medical and dental to vision, life, and long-term disability coverage, we offer comprehensive plans that prioritize stability, convenience, and peace of mind.
See How Your Region Compares
CalCPA Health plans remain among the most competitively priced options in most California markets.
We’ve done the comparison research, and we encourage you to do the same. Use the interactive map below to view sample cost comparisons in California’s 19 rating regions. Find your county, hover over the region and click to explore cost comparisons for 2026, in your area.
Rating Region 1
Rural North/Sierra
Alpine, Del Norte, Siskiyou, Modoc, Lassen, Shasta, Trinity, Humboldt, Tehama, Plumas, Nevada, Sierra, Mendocino, Lake, Butte, Glenn, Sutter, Yuba, Colusa, Amador, Calaveras, Tuolumne
Rating Region 1
Rural North/Sierra
Alpine, Del Norte, Siskiyou, Modoc, Lassen, Shasta, Trinity, Humboldt, Tehama, Plumas, Nevada, Sierra, Mendocino, Lake, Butte, Glenn, Sutter, Yuba, Colusa, Amador, Calaveras, Tuolumne
Rating Region 2
Wine Country
Napa, Sonoma, Solano, Marin
Rating Region 3
Greater Sacramento Region
Sacramento, Placer, El Dorado, Yolo
Rating Region 4
San Francisco
Rating Region 5
Contra Costa
Rating Region 6
Rating Region 7
Rating Region 8
San Mateo
San Mateo
Rating Region 9
Monterey Bay
Santa Cruz, Monterey, San Benito
Rating Region 10
Central Valley North
San Joaquin, Stanislaus, Merced, Mariposa, Tulare
Rating Region 10
Central Valley North
San Joaquin, Stanislaus, Merced, Mariposa, Tulare
Rating Region 11
Rating Region 12
South Coast
San Luis Obispo, Santa Barbara, Ventura
Rating Region 13
Rating Region 13
Rating Region 14
Rating Region 15
Los Angeles East
Los Angeles ZIP codes starting with 906-912, 915, 917, 918, 935
Rating Region 16
Los Angeles West
Los Angeles not including ZIP codes listed in Rating Area 15
Rating Region 17
Rating Region 18
Orange County
Rating Region 19
Key Drivers Behind the Increase
This year’s increase results from several converging factors rather than any single cause.
- Rising prescription drug costs, including new and costly GLP-1 weight-loss medications
- GLP-1 medications, such as Ozempic and Wegovy, have created unprecedented costs
- This single category of drugs is adding significant pressure across all health insurance carriers
- California continues to expand required coverage benefits and each mandate increases costs for all carriers
- Ongoing medical inflation driven by higher provider costs and utilization
CalCPA Health Open Enrollment
We serve CalCPA member firms, solo practitioners (no W-2 employees), and financial service firms—delivering trusted coverage tailored to the needs of the profession.
Open enrollment is the annual period when individuals can sign up for, change, or renew their health insurance coverage. During this window, you can review your plan options, add or drop dependents, and make updates to ensure your coverage fits your needs for the upcoming year. After open enrollment closes, changes are generally only allowed if you experience a qualifying life event, such as marriage, the birth of a child, divorce, or starting your own business.
New For 2026 – More Plan Options for Predictable Costs
To help members manage costs while maintaining quality coverage, we are introducing a suite of Alternative Health Plans (AHPs) through the Anthem Blue Cross network, powered by Coupe Health. These new plans are designed to make your healthcare simpler, more affordable, and more transparent.
With Anthem’s large provider network and Coupe Health’s easy-to-use tools, you’ll know your costs upfront, have more freedom to choose providers, and get personal guidance along the way.
Key Highlights
- Copay-only PPO plans with no deductibles or coinsurance on most plan designs (Two AHPs are HSA-compatible HDHPs, which do include a deductible)
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A Health Valet for personal guidance to find care and navigate your benefits.
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Upfront cost transparency via the Coupe Health app or member portal.
- Coupe Health’s tiered provider system (no Gatekeeper) for smarter, value-based choices:
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Green = Best quality and lowest copays
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Yellow = Moderate copays, good quality
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Red = Higher copays, meeting minimum standards
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Tiering helps you make informed choices about your healthcare. It’s all designed to help you take charge of your healthcare and become your own best advocate.
Learn more about these Alternative Health Plans and to search for in-network healthcare providers.
CalCPA Health Delivers Long-Term Value
Consistent Stability
Over the past eleven years, our average annual increase has been 4.95%, well below statewide averages.
Exclusive Access
Our plans are available only to CalCPA member firms, ensuring a boutique-level service and support.
Largest Provider Networks in California
Access to: Anthem Blue Cross, Delta Dental, and Vision Service Plan (VSP)
Integrated Support
Medical, dental, vision, life, and long-term disability coverage (Life and LTD through Lincoln Financial Group) —all under one umbrella, one bill.
Value Added Programs: Helping to improve your overall wellbeing
- Concierge support through Banyan Administrators, managers of the CalCPA Health program
- Complimentary COBRA administration
- LiveHealth Online – access to medical, allergy, dermatology, therapy, psychology, and psychiatry services
- Clinical Programs that improve member outcomes and lowering costsEven with this year’s market-wide rate increases, CalCPA Health continues to deliver exceptional value, stability, and trusted support for CalCPA member firms and employees.
Even with this year’s market-wide rate increases, CalCPA Health continues to deliver exceptional value, stability, and trusted support for CalCPA member firms and employees.
Why CalCPA Health Is Different
As a not-for-profit organization, we return approximately 89% of every premium dollar directly to member medical benefits—compared to the 80% minimum required of for-profit insurers. That 9% difference means more of your money goes to your healthcare.
Even with this year’s market-wide rate increases, CalCPA Health continues to deliver exceptional value, stability, and trusted support for CalCPA member firms and employees.
If you would like more information or discuss plan options, please email us or call us at 650-629-7992.
Get A Quote
Rating Region 1
Rural North/Slerra
Alpine, Del Norte, siskiyou, Modoc, Lassen, Shasta, Trinity, Humboldt, Tehama, Plumas, Nevada, Sierra, Mendocino, Lake, Butte, Glenn, Sutter, Yuba, Colusa, Amador, Calaveras, Tuolumne
Rating Region 2
Wine Country
Napa, Sonoma, Solano, Marin Rating region 3 Greater Sacramento
Rating Region 3
Greater Sacramento Region
Sacramento, Placer, El Dorado, Yolo
Rating Region 4
San Francisco
San Francisco
Rating Region 5
Contra Costa
Contra Costa
Rating Region 6
Alameda
Alameda
Rating Region 7
Santa Clara
Santa Clara
Rating Region 8
San Mateo
San Mateo
Rating Region 9
Monterey Bay
Santa Cruz, Monterey, San Benito
Rating Region 10
Central Valley North
San Joaquin, Stanislaus, Merced, Mariposa, Tulare
Rating Region 11
Central Valley South
Madera, Fresno, Kings
Rating Region 12
South Coast
San Luis Obispo, Santa Barbara, Ventura
Rating Region 13
Southern Desert
Mono, Inyo, Imperial
Rating Region 14
Kern
Kern
Rating Region 15
Los Angeles East
Los Angeles ZIP codes starting with 906-912, 915, 917,918,935
Rating Region 16
Los Angeles West
Los Angeles not including ZIP codes above
Rating Region 17
Inland Empire
San Bernardino, Riverside
Rating Region 18
Orange County
Orange County
Rating Region 19
San Diego
San Diego
Rating Region 10
Central Valley North
San Joaquin, Stanislaus, Merced, Mariposa, Tulare
Rating Region 11
Central Valley South
Madera, Fresno, Kings
Rating Region 12
South Coast
San Luis Obispo, Santa Barbara, Ventura
Rating Region 13
Southern Desert
Mono, Inyo, Imperial
Rating Region 14
Kern
Kern
Rating Region 15
Los Angeles East
Los Angeles ZIP codes starting with 906-912, 915, 917,918,935
Rating Region 16
Los Angeles West
Los Angeles not including ZIP codes above
Rating Region 17
Inland Empire
San Bernardino, Riverside
Rating Region 18
Orange County
Orange County
Rating Region 19
San Diego
San Diego