Kaiser Permanente Individual & Family Plans in California

• Kaiser Permanente is one of California’s best-known HMO health plans. Many people like Kaiser because the doctors, hospitals, pharmacy, lab, medical records, and online member tools are connected in one system.
• That can be convenient — but it also means you generally use Kaiser doctors and Kaiser facilities. If you want to keep a non-Kaiser doctor, specialist, hospital, or PPO-style flexibility, Kaiser may not be the right choice.

Kaiser 2026 Enrollment Guide & Brochures

Download the official Kaiser Permanente Individual & Family Enrollment Guide, Summary of Benefits and Coverage (SBC), Evidence of Coverage (EOC), and plan brochures.

• 2026 Enrollment Guide
• Plan Brochures
• Evidence of Coverage (EOC)
• Summary of Benefits & Coverage (SBC)

Covered California or Direct Kaiser?

• If you may qualify for a subsidy, compare Kaiser through Covered California. Covered California is where the Advanced Premium Tax Credit subsidy is calculated. Start with our instant quote and subsidy calculator.
• If you do not qualify for a subsidy, or you prefer not to use Covered California, you can enroll directly with Kaiser using our Kaiser direct enrollment link. Direct Kaiser enrollment is not the same as Covered California enrollment.
• If your income changes during the year, review our pages on MAGI income, Covered California income limits, and reporting income changes to Covered California.

Can You Use Your Current Doctor With Kaiser?

• Kaiser is an integrated HMO-style medical system.
  • If your current doctor is not a Kaiser doctor, that doctor usually will not be part of your Kaiser plan. Before enrolling, check doctors, hospitals, specialists, mental health providers, and Kaiser locations.
    • See our page: Kaiser Provider Search — How to Find Kaiser Doctors, Hospitals & Locations.

Kaiser Deductible Plans and HSA Plans

Kaiser may offer deductible plans, including some plans that may work with a Health Savings Account. HSA rules are tax rules, not just Kaiser rules. Please review our main Health Savings Account page before choosing an HSA-compatible plan.

Kaiser Dental and Vision

• Kaiser does not work like a stand-alone dental insurance company. Dental and vision options may involve other companies or separate plan choices. For a broader comparison, see our main Dental Insurance page and our Vision Insurance page.
• For children, pediatric dental and vision benefits may be handled differently under ACA rules. See our section on mandatory pediatric dental and vision.

Kaiser When Traveling or Away From Home

• Kaiser can be convenient when you are near Kaiser facilities, but you should understand the rules for emergency care, urgent care, travel, and care away from home before relying on it outside your normal service area.
  • Start with Kaiser’s own member support resources.
  • If you need broader travel coverage, also see our page on care away from home and international travel insurance.

What If You Have Kaiser and Later Qualify for Medi-Cal?

• Medi-Cal rules and managed care choices can change.
• If you have Kaiser now and later become eligible for Medi-Cal, start with our main Medi-Cal section.
• You may also need to review how to choose or change a Medi-Cal managed care plan in your county.
• Please note: we do not get paid to help with Medi-Cal.
• We provide Medi-Cal information as an educational service.

Need Help Paying Kaiser Bills?

• Kaiser has its own Medical Financial Assistance Program for people who qualify.
• Since Kaiser controls that program, the best place to get current rules, forms, and income guidelines is Kaiser’s own website.
  • Learn more about Kaiser Medical Financial Assistance.

Existing Kaiser Members: Helpful Links

• Pay your Kaiser bill online
• Register for the Kaiser member portal
• Kaiser prescription drug formulary
• Kaiser pharmacy services
• Find Kaiser doctors, hospitals, and locations
• Submit a complaint directly to Kaiser

Need Help Choosing or Enrolling?

• We are Kaiser authorized agents.
• There is no extra charge for our help.
• Kaiser or the insurance company compensates us when allowed.
• You can use us for quotes, enrollment help, Covered California questions, and plan comparisons.