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Kaiser Permanente Health Insurance Coverage

Find the Lowest Prices Available on Kaiser Permanente Medical Insurance Plans or Get Discounts Through Our Covered California Options

Kaiser Permanente is the oldest and largest HMO (Health Maintenance Organization) in the United States, serving nine states and the District of Columbia. Its largest Covered California Kaiser Plans membership base in California with over 8 million, many of which being Covered California Kaiser plans. Kaiser has sought to lead the way in the health care model on many fronts. Its integrated delivery of care is what makes it so unique. A patient’s care is coordinated and connected all within one system from the beginning to the end. This can include but is not limited to an office visit, lab work, treatment, disease management, and in-patient procedure to recovery.  

The organization is comprised of 3 parts: Kaiser Foundation Health Plans (nonprofit, public-benefit corporations), Kaiser Foundation Hospitals (a nonprofit, public-benefit corporation) and the Permanente Medical Groups (for-profit professional organizations).

The history of Kaiser Permanente is one of innovation. After seeing the results of evolved health care programs for industrial workers in the 30’s and 40’s, Henry J. Kaiser started offering prepaid medical services to his ship-yard workers in Richmond, California. This successful model of health coverage was later offered to the public in 1945, founding Kaiser Permanente. Today Kaiser Permanente’s headquarters is in Oakland, California.

Kaiser Permanente insurance is one of the top 3 choices offered on the California State Exchange. Twenty-four percent of enrollees with the CA State Insurance Exchange have Covered California Kaiser plans.

Take Note

Every year the National Committee for Quality Assurance (NCQA), a non-profit organization surveys the performance of over 1,00 health plans (Medicare, Medicaid, and Private (Commercial)) and releases a report based on the findings. NCQA Health Plans Ratings for 2017-2018 gave Kaiser Permanente in Northern California 5 out of 5 for its commercial health plan. These ratings are based on the health plan’s experience, prevention and treatment. It is significant that Kaiser was one of the 11 commercial health plans in the United States given this rating out of the approximate 500 that the NCQA rated. Kaiser is proud that their plans are rated among the best in the nation with no plan rated lower than 4.5.


Covered California Kaiser plans are offered in all of California’s 19 pricing regions. 

Kaiser is an “in House” network which means medical services are provided by a Kaiser medical group, a Kaiser laboratory, a Kaiser pharmacy and a Kaiser hospital. For many members they can visit their doctor, have labs done, and fill a prescription all under one roof, which makes it extremely convenient.

For select regions that do not have one or some of these options Kaiser has contracted with a local hospital, pharmacy, physician group etc. Find Kaiser Permanente locations and doctors. For emergency and urgent care needs Kaiser Permanente members are covered anywhere in the world.

The Future is Here

“Thrive” is Kaiser’s public campaign slogan. They seek to encourage all members to live life to the fullest with a big emphasize on preventative care and healthy lifestyle choices that impact overall well-being.

Services such as 24/7 access to advice nurses over the phone, disease management programs; healthy lifestyle programs and classes, and discounts on fitness programs, etc. are added benefits to every member’s plan. Online tools such as emailing your doctor, scheduling routine appointments, refilling prescriptions, and checking lab results, make managing health care convenient and streamlined.

Kaiser has recently introduced “Video Visits” with a doctor, which provide a convenient way for members enrolled on Covered California Kaiser Plans to access care that is secure and efficient.

Not sure how Obamacare affects your health care plans in California? Learn how the ACA works in California, including benefits, costs and enrollment.

Covered California is the Golden State’s official health exchange marketplace where individuals, families and small businesses can find high-quality, low-cost California government health insurance.

Learn about Obamacare income guidelines in California using our income limits chart, and see if you’re eligible for government assistance.

Learn about the Covered California website. Find easy online enrollment. Set up your account, log in, buy insurance and more on the California health marketplace website.