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In California, you can choose from three main plan types. View more details or see our rates instantly to discover how affordable our health insurance plans and health coverage plans can be. Which plan is right for you? We'll help you figure it out. Call us or chat live.

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Copayment plans

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These plans offer copayments for many covered services and predictable out-of-pocket costs.

  • No deductible
  • Set charges for doctor’s office visits

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Deductible plans

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These plans offer lower monthly premiums in exchange for your sharing the costs in copayments, deductibles, and coinsurance.

  • Annual deductibles
  • Lower premiums

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HSA-qualified deductible plans

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These plans offer some of our lowest premiums and a tax-free way to build savings for qualified medical expenses.*

  • Annual deductibles
  • Pay for health care with tax-deductible dollars

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Under California law, Kaiser Permanente is required to post information about recent rate changes we have made for our Individual Plan and Small Group customers. Learn about these rate changes — which include the number of members affected, the level of increase, and some of the assumptions about the cost of care that we used in setting the rates — in our rate overview.

At Kaiser Permanente, you can choose from a variety of affordable health insurance and health coverage plans. Compare plans and find the quality coverage that works best for you and your family, whether you’re looking for individual, child, or family health insurance or health coverage; health savings account-qualified plans; or self-employed health insurance or health coverage.*

Kaiser Permanente offers health insurance and health plans, offering products from both a health insurance company and/or an HMO, depending upon where you live. Our products offer you health coverage, health care, and wellness programs all within the same health plan.

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*Not all products are available in all regions.

Unless otherwise noted, plans are offered and underwritten by Kaiser Foundation Health Plan, Inc., One Kaiser Plaza | Oakland, CA 94612.[Specific plans listed] are offered and underwritten by Kaiser Permanente Insurance Company, One Kaiser Plaza | Oakland, CA 94612. KPIC is an Oakland-based insurance company domiciled in the state of CA (CA Certificate of Authority #:6047) and is a subsidiary of Kaiser Foundation Health Plan (KFHP).


*Neither Kaiser Permanente nor Kaiser Permanente Insurance Company provides or administers financial products, including HSAs, and does not offer financial, tax, or investment advice. Members are responsible for their own investment decisions. If a member uses his or her HSA debit card to pay for something other than a qualified medical expense, the expenditure is subject to tax and, for individuals who are not disabled or over 65, a 20 percent tax penalty. Please note that when an HSA provider pays disbursements, it does not monitor whether they are for qualified medical expenses. It is the member's responsibility to determine whether expenses qualify for tax-free reimbursement from his or her HSA. Tax references relate to federal income tax only. The tax treatment of health savings account contributions and distributions under state income tax laws differs from the federal tax treatment. Consult with your financial or tax adviser for more information.