A Kaiser Permanente – California plan

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

See updated information about coverage for COVID tests.

New for 2024

  • Monthly premium costs for employees are increasing by around 26% (for self-coverage or coverage for the employee and children) up to 74% (for coverage of the employee and spouse).
  • FDA-approved over-the-counter contraceptive drugs and devices will have $0 cost-share and no prescription requirement.
  • Copays will be eliminated for in-network vasectomy services.
  • Optum Behavioral Health (which offers behavioral health services in addition to Kaiser) will:
    • Eliminate the copay for outpatient intensive ABA therapy for Autism Spectrum Disorder.
    • Offer a 12-month membership at no cost to their Self Care mobile app, with curated content to support teens.

How the plan works

  • You choose a primary care physician (PCP) from Kaiser’s network.
  • The PCP coordinates your care and refers you to specialists.
  • The plan covers the cost of services only when your primary care physician authorizes it.
  • Kaiser provides coverage for services outside of the network only in cases of emergency and urgently needed services.
  • Behavioral health benefits are provided by Kaiser and Optum.

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

Monthly plan costs 

2024 retiree plan costs chart »

Faculty and staff

Pay Band
(full-time salary rate)
Self Self +
Self +
$68,000 and under $36.49 $65.60 $110.33 $136.84
$68,001–$136,000 $84.69 $152.26 $262.15 $323.23
$136,001–$204,000 $134.16 $241.20 $398.20 $496.54
$204,001 and above $185.38 $333.30 $539.17 $676.08
Rates for union-represented employees are subject to ongoing collective bargaining as appropriate.

Typical out-of-pocket costs

  • Office visits/Urgent care: $20
  • Emergency room visits: $125
  • Hospital stay: $250
  • Prescription drugs: $5, generic; $25, brand name

About Kaiser Permanente Senior Advantage

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 2023 and would like to learn more about Kaiser Senior Advantage, register for a virtual information session.