Medical payouts

Groups with 101+ full-time equivalent employees

All new and renewing commissionable large groups (101+ full-time equivalent employees) in California are paid commissions based on a percent of the premium in accordance with your broker agreement and agreed upon by the policy holder.

Dental payouts

Important information about our Medicare plans

Kaiser Permanente Senior Advantage, our Medicare plan, is available to individuals and groups in California. However, unless you have a contract with Kaiser Permanente that explicitly authorizes you to sell our Medicare products, brokers aren’t authorized to market or sell our Medicare plan or products, and Kaiser Permanente doesn’t pay commissions for Medicare individual or group sales. If your clients request Medicare information, contact your Kaiser Permanente account representative.

Commissions for small groups

Medical payouts

Groups with 1 to 100 full-time equivalent employees

Effective January 1, 2017, commissions for new and renewing small groups are paid at a flat 5% of premium.

For small groups with aggregate premiums higher than $1,000,000 in any group year, commissions will be paid at:

• A flat 5% of premium for aggregate premiums up to $1,000,000 for that group year.
• a flat 1% of premium for aggregate premiums higher than $1,000,000 in that group year

For renewing commissionable small groups (1 to 50 eligible employees) with effective dates between January 1, 2015, and December 1, 2016, commissions will continue to be paid at 5% of premium.

For renewing commissionable small groups with effective dates between July 1, 2008, and December 1, 2014, commissions remain at 7% of premium.

For renewing commissionable small groups effective prior to July 1, 2008, commissions are $18.34 per member per month in 2025.^1,2

For small group business sold through CaliforniaChoice^® or Covered California for Small Business (formerly known as the SHOP), commissions are paid and administered by the participating agency.

Dental payouts

Important information about our Medicare plans

Kaiser Permanente Senior Advantage, our Medicare plan, is available to individuals and groups in California. However, unless you have a contract with Kaiser Permanente that explicitly authorizes you to sell our Medicare products, brokers aren’t authorized to market or sell our Medicare plan or products, and Kaiser Permanente doesn’t pay commissions for Medicare individual or group sales. If your clients request Medicare information, contact your Kaiser Permanente account representative.

Small Group Guaranteed Associations

The commission for each small group guaranteed association shall be the amount mutually agreed between Broker and Kaiser Permanente. Contact your Kaiser Permanente account manager for a copy of Broker’s small group guaranteed association commission schedule.

Rules and conditions for commissions and rewards

• Participating brokers must be in good standing and appointed by Kaiser Permanente with a current signed Kaiser Permanente broker agreement and current license on file as of the group’s or member’s effective date.
• Brokers and consultants shall disclose to their clients all commissions and other payments made to them by Kaiser Permanente and Kaiser Permanente Insurance Company in compliance with all legal requirements.
• Bonus and rewards are in addition to your regular sales commission and will be reported on Forms 1099 and 5500, and as otherwise required by law, including reporting required by California AB 2589.
• To receive bonus and reward payments, you must be the broker of record on the effective date the group qualifies for the reward.
• The maximum reward payment for any single group is $50,000 for all rewards combined.
• Groups split among brokers for commission purposes will be considered split for group rewards at the same ratio as commissions.
• For group rewards, new members are those who have the same effective date as the date the group qualifies for the reward.
• For eligible sales not made directly with Kaiser Permanente, reporting from the participating agency may delay reward payments.
• Bonus and reward programs are subject to change at any time.

• Commission
  
  Kaiser Permanente pays commission based on a percent of the premium for commissionable groups. Please refer to your broker agreement for specific information about your commission rate.
  
  
• Incentives

1. For new commercial group sales effective 1/1/25-12/31/25, broker may receive from Kaiser Permanente a monetary reward of $25 per member depending on the total number of members enrolled in group but no more than $50,000 for all rewards combined for any single group.
2. For new commercial group sales effective 1/1/25-12/31/25, where Kaiser Permanente is the sole carrier, broker may receive from Kaiser Permanente a monetary reward of between $1,000 to $10,000 per group depending on number of subscribers enrolled in group but no more than $50,000 for all rewards combined for any single group.
   
3. For renewals effective 1/1/25-12/31/25, where Kaiser Permanente becomes sole carrier, broker may receive from Kaiser Permanente a monetary reward of between $500 to $10,000 per group depending on net increase in number of subscribers enrolled in group but no more than $50,000 for all rewards combined for any single group.
   

Special Compensation
Brokers may qualify for additional or special compensation. Please refer to your agreements for detailed information.

Brokers and consultants shall disclose to their clients all commissions and other payments made to them by Kaiser Permanente and Kaiser Permanente Insurance Company in compliance with all legal requirements.