Blue Shield of California

Blue Shield Health Plans for Small Businesses

Available plans vary by region. All Blue Shield health plans include embedded children’s dental insurance. That means children’s dental benefits are built into the health plan at no separate cost.

Review the plan documents below or get a quote to see which plans are available for your employees.

Plan Documents

Review costs and plan details. Documents include the Summary of Benefits and Coverage, disclosure form and Evidence of Coverage.

2026 Summary of Benefits and Coverage and Evidence of Coverage

Access+ Silver

• Access + Silver 70 HMO 2500-55 PCP + Child Dental
• Access + Silver 70 HMO 2500-55 PCP + Child Dental INF

Access+ Gold

• Access + Gold 80 HMO 250-35 PCP + Child Dental
• Access + Gold 80 HMO 250-35 PCP + Child Dental INF

Access+ Platinum

• Access + Platinum 90 HMO 0-20 PCP + Child Dental
• Access + Platinum 90 HMO 0-20 PCP + Child Dental INF

Bronze

• Bronze 60 HDHP PPO 7500-0% PCP + Child Dental ALT
• Bronze 60 HDHP PPO 7500-0% PCP + Child Dental ALT INF
• Bronze 60 PPO 5800-60 PCP + Child Dental
• Bronze 60 PPO 5800-60 PCP + Child Dental INF

Silver

• Silver 70 HDHP PPO 2300-30% PCP + Child Dental ALT
• Silver 70 HDHP PPO 2300-30% PCP + Child Dental ALT INF
• Silver 70 PPO 2500-55 PCP + Child Dental
• Silver 70 PPO 2500-55 PCP + Child Dental INF

Gold

• Gold 80 PPO 350-25 PCP + Child Dental
• Gold 80 PPO 350-25 PCP + Child Dental INF

Platinum

• Platinum 90 PPO 0-15 PCP + Child Dental
• Platinum 90 PPO 0-15 PCP + Child Dental INF

Trio Bronze

• TRIO Bronze 60 HMO 7000-65 PCP + Child Dental ALT
• TRIO Bronze 60 HMO 7000-65 PCP + Child Dental ALT INF

Trio Silver

• TRIO Silver 70 HMO 2500-55 PCP + Child Dental
• TRIO Silver 70 HMO 2500-55 PCP + Child Dental INF

Trio Gold

• TRIO Gold 80 HMO 250-35 PCP + Child Dental
• TRIO Gold 80 HMO 250-35 PCP + Child Dental INF

Trio Platinum

• TRIO Platinum 90 HMO 0-20 PCP + Child Dental
• TRIO Platinum 90 HMO 0-20 PCP + Child Dental INF

2025 Summary of Benefits and Coverage and Evidence of Coverage

Access+ Silver

• Access + Silver 70 HMO 2500-55 PCP + Child Dental
• Access + Silver 70 HMO 2500-55 PCP + Child Dental INF

Access+ Gold

• Access + Gold 80 HMO 250-35 PCP + Child Dental
• Access + Gold 80 HMO 250-35 PCP + Child Dental INF

Access+ Platinum

• Access + Platinum 90 HMO 0-20 PCP + Child Dental
• Access + Platinum 90 HMO 0-20 PCP + Child Dental INF

Bronze

• Bronze 60 HDHP PPO 7500-0% PCP + Child Dental ALT
• Bronze 60 HDHP PPO 7500-0% PCP + Child Dental ALT INF
• Bronze 60 PPO 5800-60 PCP + Child Dental
• Bronze 60 PPO 5800-60 PCP + Child Dental INF

Silver

• Silver 70 HDHP PPO 2300-30% PCP + Child Dental ALT
• Silver 70 HDHP PPO 2300-30% PCP + Child Dental ALT INF
• Silver 70 PPO 2500-55 PCP + Child Dental
• Silver 70 PPO 2500-55 PCP + Child Dental INF

Gold

• Gold 80 PPO 350-25 PCP + Child Dental
• Gold 80 PPO 350-25 PCP + Child Dental INF

Platinum

• Platinum 90 PPO 0-15 PCP + Child Dental
• Platinum 90 PPO 0-15 PCP + Child Dental INF

Trio Bronze

• TRIO Bronze 60 HMO 7000-65 PCP + Child Dental ALT
• TRIO Bronze 60 HMO 7000-65 PCP + Child Dental ALT INF

Trio Silver

• TRIO Silver 70 HMO 2500-55 PCP + Child Dental
• TRIO Silver 70 HMO 2500-55 PCP + Child Dental INF

Trio Gold

• TRIO Gold 80 HMO 250-35 PCP + Child Dental
• TRIO Gold 80 HMO 250-35 PCP + Child Dental INF

Trio Platinum

• TRIO Platinum 90 HMO 0-20 PCP + Child Dental
• TRIO Platinum 90 HMO 0-20 PCP + Child Dental INF

Group Service Agreement Documents

Participating employers can access group service agreements.

2026

HMO

• 2026 Blue Shield Access+ HMO Group Service Agreements (PDF)
• 2026 Blue Shield Trio HMO Group Service Agreements (PDF)

PPO

• 2026 Blue Shield PPO Group Service Agreements (PDF)
• 2026 Blue Shield PPO HDHP Group Service Agreements (PDF)

2025

HMO

• 2025 Blue Shield Access+ HMO Group Service Agreements (PDF)
• 2025 Blue Shield Trio HMO Group Service Agreements (PDF)

PPO

• 2025 Blue Shield PPO Group Service Agreements (PDF)
• 2025 Blue Shield PPO HDHP Group Service Agreements (PDF)

Quality Ratings

Blue Shield of California has received the following quality ratings for 2026, based on data calculated by the Centers for Medicare & Medicaid Services (CMS).

Ratings are on a scale of 1 to 5 stars, where 5 stars indicates the plan scored among the top health insurance companies nationwide. Ratings are reported after a plan's first two years with Covered California.

Plan quality ratings and enrollee survey results are calculated by the Centers for Medicare & Medicaid Services (CMS) using data provided by health plans in 2025. The ratings are displayed for health plans for the 2027 plan year. Learn more about these ratings.

For more information on how ratings are calculated, see the CMS Quality Rating System.