Small Business Plan Offerings

Predictable cost sharing and out-of-pocket maximums make it easier for employees to manage their health care spending and give them financial peace of mind. And you’ll appreciate the variety of copayment and coinsurance options.

• Consistent, predictable costs
• Lower copays with no deductible
• No claim forms for employees to manage when receiving care at Kaiser Permanente facilities

You’ll get more options at an affordable cost. With the addition of an employee out-of-pocket cost, monthly payments are lower than for traditional HMO plans, so you’ll be able to reduce premiums while still maintaining quality care and access to our physicians for your employees.

• Lower premiums than traditional HMO plans
• Wide range of deductible amounts
• Can be paired with a health savings account (HSA) or health reimbursement arrangement (HRA)

These plans offer lower premiums than other plan types, plus tax savings. With our HSA-qualified deductible plans and deductible plans with HRA, your employees will have more control over their health care dollars, helpful online decision-support tools, and the same high-value access to services as members of our traditional HMO plans.
Learn more about consumer-directed health plans >

• Tax-free funds can be used to pay for care
• HRAs give you the most flexibility
• HSAs give more control to employees

These plans pair the affordability of a traditional deductible HMO with the tax benefits of an HRA to offer employees more control over their health care spending, online decision support tools, and preventive services, including routine physicals.
Learn more about consumer-directed health plans >

• Lower premiums than traditional HMO plans
• Funds are tax-free for employees; tax-deductible for employers
• Employees receive tax-free benefits for eligible out-of-pocket expenses

With our PPO plans, your employees who live or work outside of Kaiser Permanente’s service areas or wish to maintain care with an outside doctor get referral-free access to contracted PHCS Network physicians or any other licensed provider of their choice.
Learn more about PPO Plans>

• Referral-free access to any physician
• Comprehensive coverage in or out of our service areas
• Single-carrier administration

Our point-of-service (POS) plans combine a traditional Kaiser Permanente HMO plan with our PPO to offer the most comprehensive options within our service areas. Three levels of coverage let members choose from Kaiser Permanente providers and facilities, PHCS Network physicians, or any other licensed provider.

Learn more about Point-of-Service Plans >

• Combines cost savings and flexibility
• Lower costs for more limited choice
• Ability to go out of network when needed