University of California
UCnet
What are you looking for?

Kaiser HMO

A Kaiser Permanente – California plan

Kaiser is an HMO (Health Maintenance Organization) with a closed network of providers. 

The information below is a summary. See plan documents for details.

  • Full Full eligibility available
  • Mid Mid eligibility available
  • Core Core eligibility available
  • Retirees Retirees eligibility available

New for 2026

Employee premiums will change for more equity across plans, with increased costs for Kaiser HMO

In the past, UC covered a larger share of the total cost for Kaiser HMO compared to other plans with similar benefits. Beginning next year, UC is balancing employee premiums across similar health plans. UC will pay roughly the same percentage of total premium costs for Kaiser HMO as they do for UC Blue & Gold HMO. Premiums for some members of Kaiser HMO will increase. 

Premiums for represented employees will be implemented consistent with applicable collective bargaining agreements and the law. 

A new option for Washington Center employees

Washington Center employees can choose the new Kaiser Mid-Atlantic HMO plan at the same monthly premium cost as Kaiser CA HMO.

Coverage for weight loss medications will be more limited

Coverage of medications such as GLP-1s for weight loss will be limited to individuals with a body mass index of 40 or above. Some exceptions may be possible for those continuing a course of treatment. UC medical plans will continue to cover GLP-1 medications for the treatment of Type 2 diabetes. Please see your plan documents for details.

HMO plan coverage for infertility services and prescriptions will expand

As mandated by California state guidelines, coverage for Kaiser CA HMO and UC Blue & Gold HMO will include up to three completed oocyte (egg) retrievals per lifetime and unlimited embryo transfers of IVF, GIFT and ZIFT per member.

Infertility services and prescriptions will be covered at the plan-specific cost share and pharmacy tier, making them more affordable for HMO members trying to grow their families. Infertility costs will accrue to the annual out-of-pocket maximum.

How the plan works

Best fit for you if:

  • You and the family members you cover live in California
  • You want low monthly premiums
  • You want low, predictable out-of-pocket costs
  • You like having one doctor manage your care
  • You are happy with the selection of providers within the Kaiser system

Understanding your costs

When choosing a plan, make sure to consider all your costs — including your monthly premiums and what you can expect to pay out-of-pocket for care. ALEX will ask you a few questions to help you estimate how much you may need to spend, with costs for 2026 available beginning Oct. 29.

UC Health Savings Plan and CORE are being replaced by HealthSavings+ in 2026. Compare your options to find the right plan for you and your family.

Monthly premium costs for retirees in 2026

Monthly premium costs for faculty and staff in 2026

Monthly premium costs for retirees in 2025

Enrolling in Medicare

Kaiser Permanente Senior Advantage is considered the “partner plan” of Kaiser HMO. That means that if you are a retiree enrolled in Kaiser HMO, you’ll be transferred into Kaiser Permanente Senior Advantage when you turn 65, once Medicare has approved your enrollment form.

If you will be Medicare-eligible in 2025 and would like to learn more about Kaiser Senior Advantage, register for a virtual information session.

Open Enrollment: Big changes for 2026

Thursday, Oct. 30 through Friday, Nov. 21, 2025

Visit the Open Enrollment website

Plan documents and contacts