Big health care solutions for small business needs
You want small group health plans that are simple and easy to use — for you and your workforce. With Kaiser Permanente, you get plan flexibility, help managing your health care dollars, and tools and resources that empower your employees to be healthier and more productive.
Choosing the right plan mix for your business and your employees
We offer a mix-and-match solution so you can build the right plan portfolio for your business needs. Here are some things to think about when selecting coverage.
1. Determine whether you’ll offer multiple plans
Groups with 1 to 5 employees can offer up to 3 plans. You can offer any combination of plans from our 4 networks.
Groups with 6 to 50 employees can offer any number of plans. You can offer any combination of plans from our 4 networks. Offering up to 4 plans may be ideal.
For a plan to be available to new group members during the contract year, a group must have at least one employee enrolled in the plan at the time of a new group setup or at renewal. Federal regulations require that groups must have at least one common-law employee enrolled to offer coverage. That means there must be at least one employee on the payroll who is not the owner or spouse of the owner.
2. Decide on your provider network(s)
Central to all our plans is care from Kaiser Permanente providers. Our doctors, specialists, nurses, and other health professionals all work as a team to support our members’ health. This coordinated, patient-centered care can help employees live healthier, happier, more productive lives — which all contribute to the growth and success of your business.
We have a portfolio of 25 options to choose from. Core, Connect, and PPO plans cover all metal levels: bronze, silver, gold, and platinum.
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9 value-driven Core Network plans
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2 affordability-driven Connect Network plans
10 choice-driven Access PPO plans
4 Summit PPO plans for more choice-driven options
Offering plans across several networks might be a good choice if you have employees who travel frequently or satellite offices in different parts of the state.
3. Choose the right coverage level
All our plans include the same benefits. The main differences are seen in the monthly premiums versus the member's cost shares.
| Levels | Bronze | Silver | Gold | Platinum |
|---|---|---|---|---|
| Monthly premium | $ | $$ | $$$ | $$$$ |
| Cost to members when they get care (copays, deductible, coinsurance) | $$$$ | $$$ | $$ | $ |
4. Select your health plan(s)
Kaiser Permanente offers choices that allow you to build your plan(s) based on network, coverage level, and health needs. Whether you are looking for a high-deductible plan, coverage for employees only, in- and out-of-network benefits, or even a heath savings account (HSA), we’ve got you covered.
- Core HMO plans are designed to offer high-quality plans with exceptional value.
- Our Access PPO plans offer broader provider choice but at a higher cost.
- Our Virtual Plus plans offer your employees convenient and affordable ways to get care virtually* — when and where they want it — and in-person care when they need it.
- Summit PPO plans are true 3-tier plans, with the highest benefit level tier including high-performing Washington Permanente Medical Group doctors. This plan also offers choice through other contracted providers.
View all our 2024 plan options
Note: Federal regulations require that in order to offer a small group medical coverage, the group must have at least one common-law employee on payroll and enrolled on the group plan. Sole proprietors and their spouses with no employees and self-employed individuals and their spouses are not eligible to purchase or renew small group coverage.
Consider dental coverage
We work with Delta Dental of Washington to offer your employees dental coverage when paired with one of our medical plans. There are 2 optional plans to select from — Basic and Standard — that include coverage for your employees and their families.
Both plans fulfill the federal mandate to provide pediatric dental coverage for members up to age 19. If your employee does not choose one of them, the employee's medical plan will automatically be paired with a pediatric-only dental plan offered by Delta Dental.
Individual plan documents
Benefit Summaries and Summaries of Benefits and Coverage
Small group forms
Busy entrepreneurs want health plans that are simple and easy to use — for the entrepreneurs and their workforce. Kaiser Permanente offers tools and resources that empower employees to be healthier and more productive.
2024 Virtual Plus Overview for Consumers (PDF)
Access PPO FAQ (PDF)
Access PPO Network Flyer (PDF)
Administrator Guide (PDF)
Compare Your Options Plan Brochure (PDF)
Core HMO Network Flyer (PDF)
Deductible & Out-of-Pocket Crediting Form (PDF)
Disclosure Document (PDF)
Employee Enrollment and Change Form (PDF)
Employer Attestation Decline Coverage Form (PDF)
Enrollment Census Template (XLS)
Group Master Application (PDF)
Quote Request (PDF)
Small Group Rating Areas (PDF)
2024 Underwriting Guidelines (PDF)
Virtual Plus Plan Guide (PDF)
