HMO plans
Copay, deductible, and high-deductible HMO plans are available across multiple metal levels, subject to service-area eligibility.
Medical carrier | 2026
Kaiser Permanente Small Business Plans
Integrated medical coverage with HMO, KP Plus, and PPO plan options for eligible groups.
2026 overview
Product Guide
Kaiser Permanente plans combine coverage and care delivery, with plan designs ranging from predictable copays to deductible and HSA-compatible options.
KP Plus
KP Plus plans add limited access to non-Kaiser providers while preserving Kaiser Permanente as the primary care system.
PPO options
PPO designs provide additional network flexibility under the applicable Kaiser Permanente Insurance Company terms.
Additional benefits
Plan materials include pharmacy, child dental, supplemental family dental, pediatric vision, acupuncture, and chiropractic information.
Eligibility and submission
Underwriting Guide
Kaiser Permanente requires a complete employer submission and may request additional proof before confirming coverage.
Employer application
A completed employer application must be signed by an authorized company representative.
Employee enrollment
Each eligible employee or owner enrolling in coverage must be included, and the employer should retain declinations for employees who waive.
Eligible business
The employer generally must have at least one qualifying W-2 employee beyond a sole owner, partner, or owner spouse and offer coverage to all eligible employees.
Payment and documentation
Initial payment accompanies the submission, and Kaiser may request payroll, participation, or ownership documentation during review.
Before you enroll
Carrier rules and plan availability can change.
This page summarizes carrier materials for the 2026 plan year. It is not a policy, contract, quote, or guarantee of eligibility. Official carrier documents and the carrier's final underwriting decision control.
Confirm options with an advisor
