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Medicare Advisor, insurance and healthcare consultant

Tammy Burns is an experienced health insurance advisor. She is ACA-certified for health insurance and other ancillary, life, and annuity product.

Is Kaiser Permanente good health insurance? Kaiser Permanente offers high-quality, affordable coverage with a broad range of options, but it’s only available in select states.

Overall rating: 4.6

Founded in Oakland, California, in 1945, Kaiser Permanente is a leading health care provider that sells not-for-profit insurance plans in eight states and Washington, D.C. Along with providing quality health insurance, Kaiser Permanente operates state-of-the-art hospitals and contributes to research studying cancer, cardiovascular disease, diabetes, and mental health.

Kaiser-Permanente

Kaiser Permanente Health Insurance Overview
Company founded 1945
Coverage area
  • California
  • Colorado
  • Georgia
  • Hawaii
  • Maryland
  • Oregon
  • Virginia
  • Washington
  • Washington, D.C.
A.M. Best rating A+
BBB rating A-
NCQA accreditation Yes
NCQA rating 5 to 4
Plans available
  • Charitable health coverage
  • Employer-based coverage
  • Individual and family plans
  • Medicaid
  • Medicare
Provider network
  • Over 23,000 Permanente Medical Group physicians and clinicians
  • Over 64,000 nurses
  • 715 medical offices and 39 hospitals
  • Over 12.4 million members

Is Kaiser Permanente a Good Health Insurance Provider?

What we like about Kaiser Permanente health insurance plans:

  • A wide range of plans offered
  • Large provider network
  • Extensive covered services

The drawbacks of Kaiser Permanente health insurance plans:

  • Plans are only available in eight states and Washington, D.C.
  • All plans are HMOs with limited flexibility

What Do Kaiser Permanente Health Insurance Plans Cover?

Kaiser Permanente offers a variety of health insurance plans that may meet your health needs and budget.

  • Charitable health coverage
  • Employer-based coverage
  • Individual and family plans
  • Medicaid
  • Medicare

Kaiser Permanente Health Insurance Plan Options

Kaiser offers HMO plans in all four metal tiers, with monthly premiums ranging from $395.53 to $642.94. Your plan may be more affordable if you qualify for an income-based federal subsidy. Top-tier plans don’t have annual deductibles. The lowest tiered plans have deductibles equal to the annual out-of-pocket limit. All plans provide free preventive care.

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Compare some of Kaiser Permanente’s top health insurance plan options:

Plan name Monthly premium Annual deductible Office visits Telehealth Emergency room Annual maximum out-of-pocket cost
Kaiser Permanente – Bronze

60 HMO 8200/0%

$395.53 Individual: $8,200

Family: $16,400

Preventive care: $0

Outpatient services: $0 after deductible

Not Listed $0 after deductible Individual: $8,200

Family: $16,400

Kaiser Permanente – Bronze

60 HDHP HMO

$408.24 Individual: $7,000

Family: $14,000

Preventive care: $0

Outpatient services: $0 after deductible

Not Listed $0 after deductible Individual: $7,000

Family: $14,000

Kaiser Permanente – Silver

70 HMO 2500/45

$468.63 Individual: $2,500

Family: $5,000

Preventive care: $0

Outpatient services: $45 primary care office visit, $75 specialty care office visit

Not Listed $350 after deductible Individual: $8,200

Family: $16,400

Kaiser Permanente – Gold

80 HMO

$598.25 $0 Preventive care: $0

Outpatient services: $35 primary care office visit, $65 specialty care office visit

Not Listed $350 Individual: $8,200

Family: $16,400

Kaiser Permanente – Platinum

90 HMO

$642.94 $0 Preventive care: $0

Outpatient services: $15 primary care office visit, $30 specialty care office visit

Not Listed $150 Individual: $4,500

Family: $9,000

*Based on pricing for a 35-year-old female in San Francisco, CA

How Is Kaiser Permanente Rated?

Trusted ratings and reviews can help you understand how an insurer’s plans stack up against the competition. See our Kaiser Permanente review.

Overall rating: 4.6
Financial strength rating: 5 Customer satisfaction rating: 4.5 Value rating: 4.8 Coverage rating: 4

Financial strength: 5/5 stars

A health insurance company’s financial stability influences how quickly and easily claims are settled. This metric measures annual revenue, claims payouts, and security of investments. The rating is based on A.M. Best’s A+ rating for Kaiser Permanente.

Customer satisfaction: 4.5/5 stars

Kaiser Permanente’s customer satisfaction rating is based on ratings from three third-party consumer agencies: the Better Business Bureau, National Committee for Quality Assurance, and Consumer Affairs. Researching customers’ experience with the company can help you determine whether it offers the level of support and customer service you expect.

The BBB gives Kaiser Permanente an A rating. The company has closed just seven complaints in the past three years, all related to billing issues or problems with coverage.

NCQA reflects very high customer satisfaction ratings for Kaiser Permanente. All reviewed plans are rated as high-performing. Most plans rate moderately in consumer satisfaction and strongly in prevention and treatment.

Kaiser Permanente is given 4 out of 5 stars on Consumer Affairs. This review is based on approximately 2,100 reviews, the majority of which were 4 and 5 stars.

Value: 4.8/5 stars

The value rating measures how much you get for your money with Kaiser Permanente’s plans versus plans from other insurance providers. This rating is based on monthly premiums, your cost-sharing responsibilities, deductibles, and your annual out-of-pocket limit.

Coverage: 4/5 stars

Kaiser Permanente’s coverage rating provides insight into how easy it is to get care using a Kaiser plan. It measures how many doctors, specialists, and hospitals accept your plan, the types of plans available, and the availability of coverage.

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