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Small business health plans in California

As a busy entrepreneur, you need business health plans that are easy to use and affordable. Kaiser Permanente offers simple, cost-effective, and flexible multimarket solutions to employers with 100 or fewer full-time employees. Get the right mix of coverage, cost, and convenience to keep your employees and your business healthy.

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Featured plans and benefits

Investing in employee wellness leads to a stronger workforce — and a healthier business. With coverage from Kaiser Permanente, your employees get high-quality care and total health support when and where they need it.

Empower your employees to lead healthier lives

Get a subscription-based fitness membership with Optum’s One Pass Select Affinity program.1

Learn about fitness programs
Employee assistance programs (EAP)

Support your employees’ mental, physical, and social health with an EAP from TELUS Health.

Learn about EAP offerings

Find your health plan

Get to know the different plan types available for small businesses in California.

Available plan type Health Maintenance Organization (HMO) Plans
 Deductible Health Maintenance Organization (DHMO) Plans
 High Deductible Health Plan (HDHP)
 Preferred Provider Organization (PPO) and Point of Service (POS) Plans2
What is it?

A plan that covers care from in-network physicians. With predictable costs and no deductibles, you know how much you’ll pay for services and prescriptions.

 

An HMO plan with a deductible that offers lower rates. Employers and employees share costs.

 

A health plan with a higher deductible than a traditional health plan but lower monthly rates. HDHPs can be paired with a health savings account (HSA), allowing you to use pretax money to pay for qualified medical expenses.

 

 PPO and POS plans are available alongside an HMO, a DHMO, or an HDHP. Get the convenience of one health plan for all your employee benefits.
What's the advantage for employers?
  • Comprehensive coverage
  • Low, predictable out-of-pocket costs
  • User friendly
  • Easiest plan to administer
  • Highest level of employee satisfaction
  • Lower monthly rates
  • Wide range of deductibles, copays, and coinsurance options             

 
  • Lowest monthly rates
  • Helps control costs with an HSA-qualified HDHP
  • Comprehensive coverage with preventive services
  • Cost-effective workforce health solutions that promote long-term health
  • Choice, flexibility, and convenience
  • Coverage for employees living and working outside our service areas
  • Referral-free access to an outside network of doctors and licensed providers 
What’s the advantage for
employees?
  • Low out-of-pocket costs
  • Care coordinated by a primary care physician
  • Easy to understand
  • No deductible
  • Copay or coinsurance amounts are known up front
  • Convenient for budgeting
  • Additional payment options
  • Lower premiums than regular HMO plans
  • Care coordinated by a primary care physician
  • Preventive services covered at little or no cost
  • Lower premiums than regular DHMO plans
  • Preventive services covered at little or no cost
  • Federal tax-favored savings account used to pay qualified medical expenses with an HSA-qualified plan
  • Broader choice of primary care physicians
  • No referrals required for specialists
Is there out-of-network coverage?
 No (except for emergencies) No (except for emergencies) No (except for emergencies) Yes, but at a higher cost
Annual deductible? No Yes Yes Yes
Copays? Yes Yes No
 Yes, for most in-network services; most out-of-network services require coinsurance payments
Is a primary care physician
required?
 Yes Yes Yes No
Is a referral required to
see a specialist?
 Usually Usually Usually No, but some services require precertification
Available plan type
: 
Health Maintenance Organization (HMO) Plans
What is it?

A plan that covers care from in-network physicians. With predictable costs and no deductibles, you know how much you’ll pay for services and prescriptions.

 

What's the advantage for employers?
  • Comprehensive coverage
  • Low, predictable out-of-pocket costs
  • User friendly
  • Easiest plan to administer
  • Highest level of employee satisfaction
What’s the advantage for
employees?
  • Low out-of-pocket costs
  • Care coordinated by a primary care physician
  • Easy to understand
  • No deductible
  • Copay or coinsurance amounts are known up front
  • Convenient for budgeting
  • Additional payment options
Is there out-of-network coverage?
No (except for emergencies)
Annual deductible?
No
Copays?
Yes
Is a primary care physician
required?
Yes
Is a referral required to
see a specialist?
Usually
Available plan type
: 
Deductible Health Maintenance Organization (DHMO) Plans
What is it?

An HMO plan with a deductible that offers lower rates. Employers and employees share costs.

 

What's the advantage for employers?
  • Lower monthly rates
  • Wide range of deductibles, copays, and coinsurance options             

 

What’s the advantage for
employees?
  • Lower premiums than regular HMO plans
  • Care coordinated by a primary care physician
  • Preventive services covered at little or no cost
Is there out-of-network coverage?
No (except for emergencies)
Annual deductible?
Yes
Copays?
Yes
Is a primary care physician
required?
Yes
Is a referral required to
see a specialist?
Usually
Available plan type
: 
High Deductible Health Plan (HDHP)
What is it?

A health plan with a higher deductible than a traditional health plan but lower monthly rates. HDHPs can be paired with a health savings account (HSA), allowing you to use pretax money to pay for qualified medical expenses.

 

What's the advantage for employers?
  • Lowest monthly rates
  • Helps control costs with an HSA-qualified HDHP
  • Comprehensive coverage with preventive services
  • Cost-effective workforce health solutions that promote long-term health
What’s the advantage for
employees?
  • Lower premiums than regular DHMO plans
  • Preventive services covered at little or no cost
  • Federal tax-favored savings account used to pay qualified medical expenses with an HSA-qualified plan
Is there out-of-network coverage?
No (except for emergencies)
Annual deductible?
Yes
Copays?
No
Is a primary care physician
required?
Yes
Is a referral required to
see a specialist?
Usually
Available plan type
: 
Preferred Provider Organization (PPO) and Point of Service (POS) Plans2
What is it?
PPO and POS plans are available alongside an HMO, a DHMO, or an HDHP. Get the convenience of one health plan for all your employee benefits.
What's the advantage for employers?
  • Choice, flexibility, and convenience
  • Coverage for employees living and working outside our service areas
  • Referral-free access to an outside network of doctors and licensed providers 
What’s the advantage for
employees?
  • Broader choice of primary care physicians
  • No referrals required for specialists
Is there out-of-network coverage?
Yes, but at a higher cost
Annual deductible?
Yes
Copays?
Yes, for most in-network services; most out-of-network services require coinsurance payments
Is a primary care physician
required?
No
Is a referral required to
see a specialist?
No, but some services require precertification

Multimarket solutions

Our multimarket solutions give your employees freedom of choice. Employees living in other Kaiser Permanente service areas can receive traditional Kaiser Permanente coverage at a more affordable rate than an out-of-area PPO, with access to Kaiser Permanente doctors and medical facilities close to home.

Compare the cost of care

Our plan summary provides you with an overview of deductibles, out-of-pocket maximums, and the estimated cost of care and services for each business health plan.

 

Download plan summary

Learn more about our product offerings

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HMO and deductible HMO plans

Get preventive care services at little or no cost to you, and online features that let you manage your care.

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Health Payment Accounts

Pair a Kaiser Permanente health plan with one of our Health Payment Accounts.

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Ancillary benefits

You don’t have to spend a lot to add valuable ancillary benefits to your employee health care plans.

Get a quote today

Answer a few questions about your business and register for an instant quote.

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Find the right plan for your business 866-727-3575

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Working with Kaiser Permanente

Footnotes:

  • 1The services described above are not covered under your health plan benefits and are not subject to the terms set forth in your Evidence of Coverage or other plan documents. These services may be discontinued at any time without notice.

  • 2Kaiser Foundation Health Plan, Inc. (KFHP) underwrites the HMO Tier, and Kaiser Permanente Insurance Company (KPIC), a subsidiary of Kaiser Foundation Health Plan, Inc., underwrites the Participating Provider Tier and the Non-Participating Provider Tier of the PPO and POS plans.