Better Options, More Flexibility, and Stronger Benefits – Now Available Through BetterFit Benefits
At BetterFit Benefits, we’re excited to share that Health Net has officially released its 2026 Enhanced Choice Large Group Portfolio—bringing expanded plan offerings, new benefits like infertility and weight loss medication coverage, and more flexibility for California employers and employees.
Whether you’re an HR leader, benefits manager, or licensed broker, this new portfolio offers a powerful opportunity to provide comprehensive, cost-effective coverage that meets the evolving needs of today’s workforce.
🔍 What’s New in Health Net’s 2026 Large Group Enhanced Choice Portfolio?
Health Net’s updated portfolio is built to deliver flexibility, affordability, and expanded access across a wide range of industries. Here’s what makes this release stand out:
✅ Expanded “Pick Your Plan, Pick Your Network” Options
Employers can now mix and match popular plan designs with a choice of networks, giving employees more flexibility and choice. Available network options include:
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Elect Open Access
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ExcelCare EOA
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Salud HMO y Más
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Health Net PPO (with Cigna PPO for out-of-state access)
This level of plan customization helps companies balance value and coverage across varying employee demographics.
✅ Fertility Coverage Now Included
Health Net is now offering coverage for infertility services, including in vitro fertilization (IVF), for eligible members. This is a major step forward in supporting inclusive family-building benefits.
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IVF and other treatments included on eligible plans
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Available to employers seeking progressive, people-centered benefits
✅ Weight Loss Medication Coverage Added
Health Net’s 2026 plans include access to weight loss medications for members diagnosed with Class III severe obesity (BMI ≥ 40). Employers can also opt for a pharmacy rider to offer broader medication options.
This supports employees’ long-term health goals while helping employers reduce chronic condition-related costs.
✅ Two New Plan Designs for 2026
New deductible-based plan designs expand the Enhanced Choice offering:
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50/4500/40% – $6,500 / $13,000 max out-of-pocket
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50/5500/40% – $7,500 / $15,000 max out-of-pocket
These come with a new pharmacy design:
$100 / $5 / $25 / $50 – giving members predictable prescription costs.
Why Employers Choose Health Net’s Enhanced Choice Plans
The 2026 Enhanced Choice portfolio delivers more than just coverage—it provides tools, savings, and resources that empower both employers and employees.
💡 Defined-Contribution Ready
Health Net’s Enhanced Choice plans are ideal for defined-contribution strategies, allowing employers to offer multiple plan options while controlling costs. Employees can choose the best-fit plan for their health needs and budget.
💡 Comprehensive Benefits to Support Total Well-Being
All Enhanced Choice plans come with access to:
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Telehealth and 24/7 nurse advice
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Dental and vision benefits
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Chiropractic and acupuncture coverage
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Behavioral health and substance use services
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Wellness rewards, EAPs, and life insurance
This all-in-one approach ensures employees receive care for their physical, mental, and financial well-being.
💡 Extensive Provider Networks
Members can access quality care across California and beyond:
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PPO & EOA: Out-of-state access through the Cigna PPO network
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HMO options: Budget-conscious plans through Salud HMO y Más
Health Net’s robust networks provide flexibility for in-state and traveling employees.
💡 Multi-Line Discount Opportunities
When employers bundle additional products like dental, vision, or life insurance, they may be eligible for premium discounts of up to 3%—a smart way to reduce total benefits spend.
Who Should Consider Health Net’s 2026 Large Group Plans?
These plans are tailored for companies with 51 or more eligible employees who want to offer competitive benefits while managing long-term costs. They’re especially effective for:
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Mid-sized to large California businesses
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Multi-location companies
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Employers with diverse employee demographics
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Companies seeking family-friendly, inclusive benefits
How BetterFit Benefits Can Help You Get Started
As a trusted Health Net partner, BetterFit Benefits is ready to help you explore and implement the 2026 Enhanced Choice portfolio. We provide:
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Custom plan comparisons and quoting
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Access to broker materials and enrollment tools
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Personalized consultation and onboarding support
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Ongoing account management and compliance guidance
📞 Let’s Connect
Ready to offer the latest Health Net large group plans?
Contact BetterFit Benefits today to request a quote or schedule a plan review with one of our benefits consultants.
📧 Email us at: info@betterfitusa.com
📞 Call us at: (949) 438-3737
🌐 Learn more: www.betterfitbenefits.com
Stay Informed with BetterFit Benefits
At BetterFit Benefits, we keep you ahead of the curve with the latest carrier news, compliance updates, and benefits strategies to grow your business and better serve your employees.
Follow our blog for ongoing updates on the Health Net 2026 portfolio and other carrier releases throughout the year.