October 28, 2025
California employers, meet our smarter Choice plan
Kaiser Permanente Plus™ more affordably adds some out-of-network flexibility to Kaiser Permanente’s high-quality, integrated care.
Kaiser Permanente is primarily known for our highly rated HMO plans. Enter Kaiser Permanente Plus.™
We designed this commercial product to bring some provider flexibility to the quality and value of our integrated care offering.
Now California’s large and small businesses can get quotes for KP Plus plans with coverage beginning January 1, 2026.
Quality, flexibility, affordability
KP Plus is a Choice health plan product. It combines Kaiser Permanente’s industry-leading care with a set out-of-network benefits. KP Plus makes it easier for employers and their employees to choose Kaiser Permanente.
In California, KP Plus is a limited point-of-service, or POS, plan with coverage for certain outpatient services and prescriptions from out-of-network providers as described in each plan’s Evidence of Coverage.
Key features include:
- High-quality, patient-centered care from Kaiser Permanente
- Built-in flexibility with limited out-of-network benefits (subject to exclusions) for people who live on the edge of a service area or want to keep seeing a favorite provider
- Generally lower monthly rates compared to typical preferred provider organization or point-of-service plans
Smarter Choice
Employers appreciate the ease of administering one plan. KP Plus clears a path to making Kaiser Permanente their sole health benefits solution.
“Brokers, consultants, benefit managers, and employers across industries - they’re looking at Kaiser Permanente in a new way,” said Andrea Seals Arnold, area vice president for National Sales at Kaiser Permanente.
“With KP Plus, they see the opportunity to explore Kaiser Permanente as one solution that can manage costs, offer meaningful choice, and provide high-quality care, while giving employees the ability to ease into Kaiser Permanente.”
KP Plus out-of-network benefits
$0 copay
for routine preventive care
10 office visits
or covered outpatient medical services per year
5 prescriptions
or refills per year
No referrals
or preauthorization needed for covered out-of-network care
More features, more value
KP Plus plans come with built-in features members value, such as:
- Convenient, all-under-one-roof access to connected care teams
- 24/7 virtual care
- A focus on accessible, often $0 copay preventive services that reduce ongoing conditions and higher-cost treatments
- Prescriptions and refills through Kaiser Permanente pharmacies and by mail
As members, KP Plus plan participants also have access to:
- No-cost self-care and mental wellness apps
- Fitness products and services at reduced cost
- Wellness coaching by phone and online healthy lifestyle tools at no cost
Where it’s available
KP Plus and Choice products like it are available in all Kaiser Permanente markets: Colorado, Georgia, Hawaii, metropolitan Baltimore, Washington, D.C., Northern Virginia, Oregon, and Washington state.
With the 2025 expansion to California, this product is also an option for national and multi-state businesses.
Plan participants must live or work in a Kaiser Permanente service area.
Brokers, businesses, and benefit managers can explore these resources and contact Kaiser Permanente to learn more.
