Kaiser Permanente Review - Individual Health Insurance Plans & Pricing

History of Kaiser Permanente

Kaiser may be one of the most recognizable names in health insurance. Based in Oakland, California, Kaiser Permanente is made up of 3 interdependent groups, Kaiser Foundation Health Plan, Inc., Kaiser Foundation Hospitals, and Permanente Medical Groups.

Kaiser Permanente was founded in 1945 by Henry J. Kaiser and Sidney Garfield. Originally, the two founders created a healthcare program for laborers who worked in the industrial field in the 1930’s but opened it to the public in 1945.

Since being founded, Kaiser has seen incredible growth as one of the nation’s leading healthcare providers. In fact, with nearly 12 million members and a revenue of around $65 billion, Kaiser Permanente is the biggest managed care organization in the US.

Kaiser Family Foundation

Kaiser Family Foundation (KFF) is a non-profit branch of Kaiser that focuses on national health issues. According to the official website, Kaiser Family Foundation is a non-partisan outlet for all health news.

The Kaiser Family Foundation offers great insight into the problems in the healthcare world through its many programs. For example, The Program on Medicaid and the Uninsured give a great look at the level of access low-income individuals have to healthcare. The Healthcare Marketplace Project, on the other hand, shows in-depth analysis, trends, and costs in the health insurance marketplace.

Kaiser Permanente Plans and Prices

Kaiser offers some of the lowest pricing for health insurance premiums on the market. It is able to do this by utilizing its own network of Kaiser healthcare facilities and professionals. Keep in mind that these are just sticker prices.

Prices vary depending on many factors, including where you live, when you buy, age, and more. It’s important to go over any other “hidden” or out-of-pocket costs with the agent you work with, but you will be hard-pressed to find a quality health insurance plan as affordable as Kaiser.

Age Range Pricing

35+ year olds

$200 - $340

45+ year olds

$240 - $400

55+ year olds

$360 - $620

Kaiser offers plans for all of your insurance needs. Whether you are looking for an individual health insurance plan, Medicare plans, employer coverage, or more, Kaiser has you covered.

Since Kaiser insurance is purchased through the health insurance marketplace, you do need to wait until the Open Enrollment period to find an individual health insurance plan for you or your family.

Health insurance plans offered on the exchange must meet a certain federal standard, so you know with Kaiser, you will have sufficient covered. The different plan breakdowns can be found below, but please note that regardless of the plan you enroll in, you will receive the same quality of care. The only difference between these marketplace plans is your costs.

 

 

Kaiser Permanente Marketplace Plans

Plan Type Percent of Essential Benefit Covered Monthly Premium
Kaiser Permanente Bronze Plan 60% Low cost - Low quality
Kaiser Permanente Silver Plan 70% Average premiums - Average out-of-pocket costs
Kaiser Permanente Gold Plan 80% High premiums - Low out-of-pocket
Kaiser Permanente Platinum 90% Highest premium - Lowest out-of-pocket costs

If you are someone with an extensive medical history, you will benefit from a Kaiser Permanente Gold or Platinum plan. The reason being you will benefit from the reduced out-of-pocket costs. However, if you are young and healthy, you will probably be safe with a Kaiser Permanente Bronze or Silver plan.

Free Insurance Quote Tool

Try using our free tool to compare rates from multiple top rated companies like Kaiser Permanente, United Healthcare, and Aetna.

Kaiser Permanente Reviews

Kaiser operates a little bit differently than many other health insurance companies. Kaiser Permanente has its own system of healthcare facilities and professionals that members have to use. However, this structure was strategically implemented because it better allows Kaiser to keep the quality of care up, and prices down.

In the 9 states (well 8 states and Washington D.C.), Kaiser offers a variety of plans at multiple price points, making it easy for you to find something that fits your needs. Kaiser prides itself on its strong emphasis on preventive care, and doctors who are salaried which minimizes your overall health costs.

Unfortunately, if you have a Kaiser insurance plan, you may want to reconsider any travel plans. Since Kaiser Permanente locations are only found in 9 states, you need to make sure you are in a state in which Kaiser operates.

Kaiser Permanente Providers

Once a Kaiser member, you will have access to over tons of Kaiser providers. In the Kaiser network, there are currently 39 hospitals, 680 medical offices, over 21,000 physicians, almost 55,000 nurses, and over 200,000 employees. It’s safe to say that you will receive the care and attention you need and deserve with Kaiser.

Kaiser Permanente Locations

As mentioned earlier, Kaiser Permanente is only found in a handful of states in the US. But, in these 9 states, California, Colorado, District of Columbia, Georgia, Hawaii, Maryland, Oregon, Virginia, and Washington, Kaiser may be your best health insurance option.

Kaiser Permanente Fun Fact

Kaiser doctors are salaried rather than paid per service, which removes the need for unnecessary procedures.