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Small business health plans in Oregon and Southwest Washington

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 50 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.

Kaiser Permanente Plus™

Offer access to Kaiser Permanente care, plus limited flexibility to see out-of-network providers.

Learn about KP Plus

Dental plans

Our dental plans are designed to give your employees a wide range of convenient care options.

Learn about our dental plans

Empower your employees to lead healthier lives

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

Learn about fitness programs

Find your health plan

Get to know the different plan types available for small businesses in Oregon and Southwest Washington.

Available plan type	Traditional Plans	Deductible Plans	High Deductible Health Plan (HDHP)	Point of Service (POS) and Preferred Provider Organization (PPO) 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.	A 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 a traditional plan, deductible plan, 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 traditional plans Care coordinated by a primary care physician Preventive services covered at little or no cost	Lower premiums than regular deductible 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	Varies
Copays?	Yes	Yes	Yes	Yes

Available plan type

Traditional 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?

Copays?

Yes

Available plan type

Deductible Plans

What is it?

A 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 traditional 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

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 deductible 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?

Yes

Available plan type

Point of Service (POS) and Preferred Provider Organization (PPO) Plans

What is it?

PPO and POS plans are available alongside a traditional plan, deductible plan, 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?

Varies

Copays?

Yes

Multimarket solution

Our multimarket solution gives 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 summaries provide you with an overview of deductibles, out-of-pocket maximums, and the estimated cost of care and services for each business health plan.

Download Oregon medical plan summary

Download Southwest Washington medical plan summary

Download Oregon dental plan summary

Download Southwest Washington dental plan summary

Learn more about our product offerings

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Traditional and deductible 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.

Ancillary benefits

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

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

Get a quote

Frequently asked questions

Yes. With the award-winning Kaiser Permanente app, your employees can easily schedule appointments, connect with their care team 24/7, manage their care and payments, and view lab and test results on the go.

Members can also manage their prescriptions on the app, with refills available at a click, and get text alerts when prescription refills are available to order.

Find out more about the KP app

Other resources

Employers

Manage your account online

Continuing coverage

National & Multi-State accounts

Large business plans

Appointed broker resources

Working with Kaiser Permanente

Footnotes:

All plans offered and underwritten by Kaiser Foundation Health Plan of the Northwest.

*The 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.