Rate tables: Small Business

Effective January 2014, all carriers will rate small businesses using 19 standardized regions. The rate books below are grouped by the regions listed in parentheses next to the book name. If you need assistance with this, please contact Producer Services.

Broker resources

Blue Shield average Small Business Medical rate actions

Average HMO rate actions

  Jan Apr Jul Oct YEAR
2021 0.0% 1.0% 1.2% 1.4% 3.6%
2022 1.2% 0.9% 2.4% 3.6% 8.3%
2023 2.1% 1.9% 1.9% 1.7% 7.8%
2024 3.0% 2.0% 1.3% 1.3% 7.8%
2025 1.7% 1.3% 2.0%   6.4%
  Avg. Q3 '25 HMO renewal rate 6.4%

Average PPO rate actions

  Jan Apr Jul Oct YEAR
2021 0.0% 1.0% 1.2% 1.4% 3.6%
2022 1.2% 0.9% 2.4% 2.7% 7.2%
2023 2.1% 1.9% 1.9% 1.3% 7.4%
2024 3.0% 2.0% 1.3% 1.5% 8.0%
2025 1.2% 1.8% 1.9%   6.6%
  Avg. Q3 '25 PPO renewal rate 6.6%

Average rate actions for all plans

  Jan Apr Jul Oct YEAR
2021 0.0% 1.0% 1.2% 1.4% 3.6%
2022 1.2% 0.9% 2.4% 2.9% 7.6%
2023 2.1% 1.9% 1.9% 1.4% 7.5%
2024 3.0% 2.0% 1.3% 1.5% 8.0%
2025 1.3% 1.7% 1.9%   6.6%
  Avg. Q3 '25 renewal rate 6.6%

 

Note: The above are averages only; rate actions can vary significantly by plan and rating region. Each specific customer will also experience the customer-specific impact based on their demographics, in terms of the aging from one renewal to the next, as well as a possible increase in billable members for subscribers with more than three children,  where one or more ages to 21 or over and starts being charged.

Blue Shield average Small Business Specialty rate actions

Average Dental rate actions

  Jan Apr Jul Oct YEAR
2022 2.5% 0.0% 0.0% -0.6% 1.9%
2023 0.0% 0.0% 0.0% 0.0% -0.6%
2024 0.0% 0.0% 0.0% 0.0% 0.0%
2025 4.9% 0.0% 0.0%   4.9%
  Avg. Q3 '25 Dental renewal rate 4.9%

Average Vision rate actions

  Jan Apr Jul Oct YEAR
2022 2.5% 0.0% 0.0% 0.0% 2.5%
2023 0.0% 0.0% 0.0% 0.0% 0.0%
2024 0.0% 0.0% 0.0% 0.0% 0.0%
2025 4.9% 0.0% 0.0%   4.9%
  Avg. Q3 '25 Vision renewal rate 4.9%

 

Note: The above are averages only; rate actions can vary signifcantly by plan and rating region. 

 

 

Rate Disclosures Effective October 1, 2025 to December 31, 2025 (PDF, 1.7 MB)


 

Rate book – includes medical and specialty (all regions: 1-19) (PDF, 7.8 MB)
Closed rate book – includes closed specialty (all regions: 1-19) (PDF, 203 KB)
Rate book 1 (includes region 1) (PDF, 661 KB)
Rate book 2 (includes regions 2, 4, 5, 6, 7, 8) (PDF, 2.7 MB)
Rate book 3 (includes region 3) (PDF, 704 KB)
Rate book 4 (includes regions 10, 11) (PDF, 1.1 MB)
Rate Book 5 (includes region 12) (PDF, 705 KB)
Rate book 6 (includes region 13) (PDF, 601 KB)
Rate book 7 (includes region 14) (PDF, 704 KB)
Rate book 8 (includes regions 15, 16) (PDF, 1.2 MB)
Rate book 9 (includes region 9) (PDF, 706 KB)
Rate book 10 (includes region 17) (PDF, 704 KB)
Rate book 11 (includes regions 18, 19) (PDF, 1.2 MB)


 

Rate book – includes medical and specialty (all regions: 1-19) (PDF, 7.4 MB)
Closed rate book – includes closed specialty (all regions: 1-19) (PDF, 197 KB)
Rate book 1 (includes region 1) (PDF, 646 KB)
Rate book 2 (includes regions 2, 4, 5, 6, 7, 8) (PDF, 2.6 MB)
Rate book 3 (includes region 3) (PDF, 688 KB)
Rate book 4 (includes regions 10, 11) (PDF, 1.0 MB)
Rate book 5 (includes region 12) (PDF, 689 KB)
Rate book 6 (includes region 13) (PDF, 587 KB)
Rate book 7 (includes region 14) (PDF, 687 KB)
Rate book 8 (includes regions 15, 16) (PDF, 1.1 MB)
Rate book 9 (includes region 9) (PDF, 688 KB)
Rate book 10 (includes region 17) (PDF, 687 KB)
Rate book 11 (includes regions 18, 19) (PDF, 1.1 MB)


 

Rate book – includes medical and specialty (all regions: 1-19) (PDF, 7.4 MB)
Closed rate book – includes closed specialty (all regions: 1-19) (PDF, 195 KB)
Rate book 1 (includes region 1) (PDF, 639 KB)
Rate book 2 (includes regions 2, 4, 5, 6, 7, 8) (PDF, 2.6 MB)
Rate book 3 (includes region 3) (PDF, 681 KB)
Rate book 4 (includes regions 10, 11) (PDF, 1.0 MB)
Rate book 5 (includes region 12) (PDF, 682 KB)
Rate book 6 (includes region 13) (PDF, 581 KB)
Rate book 7 (includes region 14) (PDF, 681 KB)
Rate book 8 (includes regions 15, 16) (PDF, 1.1 MB)
Rate book 9 (includes region 9) (PDF, 683 KB)
Rate book 10 (includes region 17) (PDF, 682 KB)
Rate book 11 (includes regions 18, 19) (PDF, 1.1 MB)


 

Rate book – includes medical and specialty (all regions: 1 -19) (PDF, 7.4 MB)
Closed rate book – includes closed specialty (all regions: 1 -19) (PDF, 206 KB)
Rate book 1 (includes region 1) (PDF, 639 KB)
Rate book 2 (includes regions 2, 4, 5, 6, 7, 8) (PDF, 2.6 MB)
Rate book 3 (includes region 3) (PDF, 682 KB)
Rate book 4 (includes regions 10, 11) (PDF, 1 MB)
Rate book 5 (includes region 12) (PDF, 693 KB)
Rate book 6 (includes region 13) (PDF, 583 KB)
Rate book 7 (includes region 14) (PDF, 682 KB)
Rate book 8 (includes regions 15, 16) (PDF, 1.1 MB)
Rate book 9 (includes region 9) (PDF, 682 KB)
Rate book 10 (includes region 17) (PDF, 682 KB)
Rate book 11 (includes regions 18, 19) (PDF, 1.1 MB)


 

Rate book – includes medical and specialty (all regions: 1 -19) (PDF, 7.4 MB)
Closed rate book – includes closed specialty (all regions: 1 -19) (PDF, 206 KB)
Rate book 1 (includes region 1) (PDF, 631 KB)
Rate book 2 (includes regions 2, 4, 5, 6, 7, 8) (PDF, 2.6 MB)
Rate book 3 (includes region 3) (PDF, 676 KB)
Rate book 4 (includes regions 10, 11) (PDF, 1 MB)
Rate book 5 (includes region 12) (PDF, 677 KB)
Rate book 6 (includes region 13) (PDF, 577 KB)
Rate book 7 (includes region 14) (PDF, 676 KB)
Rate book 8 (includes regions 15, 16) (PDF, 1.1 MB)
Rate book 9 (includes region 9) (PDF, 674 KB)
Rate book 10 (includes region 17) (PDF, 675 KB)
Rate book 11 (includes regions 18, 19) (PDF, 1.1 MB)


 

Rate book – includes medical and specialty (all regions: 1 -19) (PDF, 7.4 MB)
Closed rate book – includes closed specialty (all regions: 1 -19) (PDF, 206 KB)
Rate book 1 (includes region 1) (PDF, 631 KB)
Rate book 2 (includes regions 2, 4, 5, 6, 7, 8) (PDF, 2.6 MB)
Rate book 3 (includes region 3) (PDF, 676 KB)
Rate book 4 (includes regions 10, 11) (PDF, 1 MB)
Rate book 5 (includes region 12) (PDF, 677 KB)
Rate book 6 (includes region 13) (PDF, 577 KB)
Rate book 7 (includes region 14) (PDF, 676 KB)
Rate book 8 (includes regions 15, 16) (PDF, 1.1 MB)
Rate book 9 (includes region 9) (PDF, 674 KB)
Rate book 10 (includes region 17) (PDF, 675 KB)
Rate book 11 (includes regions 18, 19) (PDF, 1.1 MB)


 

Rate book – includes medical and specialty (all regions: 1 -19) (PDF, 7.4 MB)
Closed rate book – includes closed specialty (all regions: 1 -19) (PDF, 206 KB)
Rate book 1 (includes region 1) (PDF, 631 KB)
Rate book 2 (includes regions 2, 4, 5, 6, 7, 8) (PDF, 2.6 MB)
Rate book 3 (includes region 3) (PDF, 676 KB)
Rate book 4 (includes regions 10, 11) (PDF, 1 MB)
Rate book 5 (includes region 12) (PDF, 677 KB)
Rate book 6 (includes region 13) (PDF, 577 KB)
Rate book 7 (includes region 14) (PDF, 676 KB)
Rate book 8 (includes regions 15, 16) (PDF, 1.1 MB)
Rate book 9 (includes region 9) (PDF, 674 KB)
Rate book 10 (includes region 17) (PDF, 675 KB)
Rate book 11 (includes regions 18, 19) (PDF, 1.1 MB)


 

Rate book – includes medical and specialty (all regions: 1-19) (PDF, 7.5 MB)
Closed rate book – includes closed specialty (all regions: 1-19) (PDF, 278 KB)
Rate book 1 (includes region 1) (PDF, 641 KB)
Rate book 2 (includes regions 2, 4, 5, 6, 7, 8) (PDF, 2.7 MB)
Rate book 3 (includes region 3) (PDF, 687 KB)
Rate book 4 (includes regions 10, 11) (PDF, 1.0 MB)
Rate book 5 (includes region 12) (PDF, 689 KB)
Rate book 6 (includes region 13) (PDF, 587 KB)
Rate book 7 (includes region 14) (PDF, 686 KB)
Rate book 8 (includes regions 15, 16) (PDF, 1.1 MB)
Rate book 9 (includes region 9) (PDF, 683 KB)
Rate book 10 (includes region 17) (PDF, 686 KB)
Rate book 11 (includes regions 18, 19) (PDF, 1.1 MB) 


 

Rate book – includes medical and specialty (all regions: 1-19) (PDF, 7.3 MB)
Closed rate book – includes closed specialty (all regions: 1-19) (PDF, 346 KB)
Rate book 1 (includes region 1) (PDF, 640 KB)
Rate book 2 (includes regions 2, 4, 5, 6, 7, 8) (PDF, 2.6 MB)
Rate book 3 (includes region 3) (PDF, 687 KB)
Rate book 4 (includes regions 10, 11) (PDF, 1.0 MB)
Rate book 5 (includes region 12) (PDF, 687 KB)
Rate book 6 (includes region 13) (PDF, 566 KB)
Rate book 7 (includes region 14) (PDF, 685 KB)
Rate book 8 (includes regions 15, 16) (PDF, 1.1 MB)
Rate book 9 (includes region 9) (PDF, 682 KB)
Rate book 10 (includes region 17) (PDF, 686 KB)
Rate book 11 (includes regions 18, 19) (PDF, 1.1 MB) 


 

Rate book – includes medical and specialty (all regions: 1-19) (PDF, 6.9 MB)
Closed rate book – includes closed specialty (all regions: 1-19) (PDF, 277 KB)
Rate book 1 (includes region 1) (PDF, 614 KB)
Rate book 2 (includes regions 2, 4, 5, 6, 7, 8) (PDF, 2.5 MB)
Rate book 3 (includes region 3) (PDF, 663 KB)
Rate book 4 (includes regions 10, 11) (PDF, 664 KB)
Rate book 5 (includes region 12) (PDF, 664 KB)
Rate book 6 (includes region 13) (PDF, 563 KB)
Rate book 7 (includes region 14) (PDF, 664 KB)
Rate book 8 (includes regions 15, 16) (PDF, 1.1 MB)
Rate book 9 (includes region 9) (PDF, 659 KB)
Rate book 10 (includes region 17) (PDF, 674 KB)
Rate book 11 (includes regions 18, 19) (PDF, 1.1 MB)b


 

Rate book – includes medical and specialty (all regions: 1-19) (PDF, 7.1 MB)
Closed rate book – includes closed specialty (all regions: 1-19) (PDF, 472 KB)
Rate book 1 (includes region 1) (PDF, 731 KB)
Rate book 2 (includes regions 2, 4, 5, 6, 7, 8) (PDF, 2.6 MB)
Rate book 3 (includes region 3) (PDF, 725 KB)
Rate book 4 (includes regions 10, 11) (PDF, 1.0 MB)
Rate book 5 (includes region 12) (PDF, 719 KB)
Rate book 6 (includes region 13) (PDF, 628 KB)
Rate book 7 (includes region 14) (PDF, 723 KB)
Rate book 8 (includes regions 15 ,16) (PDF, 1.1 MB)
Rate book 9 (includes region 9) (PDF, 725 KB)
Rate book 10 (includes region 17) (PDF, 723 KB)
Rate book 11 (includes regions 18, 19) (PDF, 1.1 MB)


 

Rate book – includes medical and specialty (all regions: 1-19) (PDF, 2.1 MB)
Closed rate book – includes closed specialty (all regions: 1-19) (PDF, 201.2 KB)
Rate book 1 (includes region 1) (PDF, 296 KB)
Rate book 2 (includes regions 2, 4, 5, 6, 7, 8) (PDF, 863 KB)
Rate book 3 (includes region 3) (PDF, 309 KB)
Rate book 4 (includes regions 10, 11) (PDF, 398 KB)
Rate book 5 (includes region 12) (PDF, 310 KB)
Rate book 6 (includes region 13) (PDF, 281 KB)
Rate book 7 (includes region 14) (PDF, 309 KB)
Rate book 8 (includes regions 15, 16) (PDF, 442 KB)
Rate book 9 (includes region 9) (PDF, 310 KB)
Rate book 10 (includes region 17) (PDF, 310 KB)
Rate book 11 (includes regions 18, 19) (PDF, 442 KB)


 

Rate book – includes medical and specialty (all regions: 1-19) (PDF, 6.6 MB)
Closed rate book – includes closed specialty (all regions: 1-19) (PDF, 316 KB)
Rate book 1 (includes region 1) (PDF, 607 KB)
Rate book 2 (includes regions 2, 4, 5, 6, 7, 8) (PDF, 2.4 MB)
Rate book 3 (includes region 3) (PDF, 648 KB)
Rate book 4 (includes regions 10, 11) (PDF, 940 KB)
Rate book 5 (includes region 12) (PDF, 650 KB)
Rate book 6 (includes region 13) (PDF, 553 KB)
Rate book 7 (includes region 14) (PDF, 647 KB)
Rate book 8 (includes regions 15, 16) (PDF, 1 MB)
Rate book 9 (includes region 9) (PDF, 649 KB)
Rate book 10 (includes region 17) (PDF, 648 KB)
Rate book 11 (includes regions 18, 19) (PDF, 1 MB)


 

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