5. Pricing Stability - Pricing stability has been a weaker area for Health Net especially on the PPO front. For HMO, they have a good grasp of the market and the model. PPO has been a bit more elusive with more requent and significant changes with their plans. This is to be expected as PPO requires a good 5-7 years of claims experience to truly wrap your head around the model actuarially speaking.

We have listed Blue Cross of California, Blue Shield of California, and Health Net of California separately as they really are the strongest California health insurance carriers that offer both PPO and HMO options. Kaiser is a major carrier but primarily acts as an HMO. There are many other options on the market, but from our experience, they usually are not advisable against one of the above mentioned four.

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