HMO plans
The portfolio includes Platinum, Gold, Silver, and Bronze HMO choices, including copay, deductible, and HSA-qualified high-deductible designs. Availability depends on the employee's service area.
Medical carrier | 2026
2026 Kaiser Permanente Small Business Plans
2026 California small-business coverage with integrated care, HMO, KP Plus, and PPO choices.
2026 overview
Product Guide
Kaiser Permanente's 2026 small-business portfolio combines medical coverage and care delivery. Employers can compare predictable-copay HMO plans, deductible and HSA-compatible designs, KP Plus, and PPO options according to their workforce, budget, and provider priorities.
KP Plus
KP Plus is a limited point-of-service plan that combines Kaiser Permanente and affiliated care with a defined number of covered out-of-network outpatient visits and prescription fills each year.
PPO options
PPO designs offer broader provider flexibility under Kaiser Permanente Insurance Company terms. Provider access and out-of-network benefits should be confirmed for the selected plan.
Included and optional benefits
The 2026 materials address medical and pharmacy coverage, child dental, pediatric vision, durable medical equipment, and most metal-plan chiropractic and acupuncture benefits. Supplemental family dental and fertility benefits may be available in eligible circumstances.
Official carrier materials
Plan Materials
Review the official Kaiser Permanente materials below. The Plan Highlights booklet is the primary 2026 reference; separate member-care flyers are included for convenience and may carry their own publication dates.
Reviewed by David Keum, Founder & Principal Advisor · CA License #4005450 · Updated August 2026
Plan Highlights & Overviews
Start here when comparing 2026 Kaiser Permanente options for your small business.
PDF
2026 Small Business Plan Highlights
Official California metal-plan booklet for effective dates January 1 through December 1, 2026. Includes HMO, KP Plus, PPO, dental, vision, chiropractic, acupuncture, and benefit details.
Open official flyer PDFKaiser Permanente Plus overview
How KP Plus combines Kaiser Permanente care with a limited number of covered out-of-network outpatient visits and prescription fills.
Open official flyerMember Resources
Practical care-access and onboarding information for enrolled Kaiser Permanente members.
PDF
24/7 virtual care
Overview of phone and online care access for members, including coordinated follow-up in the Kaiser Permanente care system.
Open official flyer PDFNew member FAQ
Getting-started guidance for account setup, selecting a doctor, prescriptions, appointments, urgent care, and care transitions.
Open official flyer PDFSouthern California Target Clinics
Convenient preventive and nonemergency care information, including participating Southern California communities.
Open official flyer PDFTelehealth services
Official telehealth member-support flyer.
Open official flyer PDFTravel coverage
Travel-care information for applicable Kaiser Permanente members.
Open official flyer PDFVideo visits
Information about video visit access for eligible members.
Open official flyerEligibility 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 choosing a Kaiser plan
Confirm the Kaiser network and plan design for your team.
Kaiser Permanente's 2026 small-business offerings, provider access, and KP Plus or PPO availability can vary by employee ZIP code and selected plan. Skyline Benefit will help verify doctors, hospitals, prescriptions, service-area eligibility, and enrollment details before you choose.
Review Kaiser options with an advisorCarrier guide FAQ
Common questions about Kaiser Permanente small-business coverage
What should an employer confirm before choosing Kaiser Permanente?
Confirm current plan availability, service areas, provider networks, benefits, rates, participation rules, and final underwriting requirements for the requested effective date.
Are Kaiser Permanente options available to every California small business?
Not necessarily. Availability can depend on group size, employee locations, participation, employer contribution, requested effective date, and current carrier or program rules.
How should an employer review Kaiser Permanente provider networks?
Check the exact plan and network for the employees’ home and work ZIP codes. Confirm important doctors, medical groups, hospitals, and service-area access before enrollment.
Which documents control the final Kaiser Permanente coverage?
The current proposal, application, policy or certificate, benefit summaries, provider directory, formulary when applicable, and the carrier’s final underwriting decision control.
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