California Choice offers group medical insurance from many different insurance companies including Anthem Blue Cross, UnitedHealth Care, Health Net, Kaiser and others and an employer receives one invoice with all the insurance companies combined. CalChoice refers to itself as an exchange however it is more of a bundler where you can choose many different insurance companies at one time. The rates for California Choice medical insurance is fixed to the rates filed by insurance companies and approved by the State of California Department of Managed Health Care or the California Department of Insurance. The rates are based on the location of your business, the ages of each employee and dependent spouse and child enrolled, and, the type of plan you select.