Small Business Plans

Get the right mix of coverage, cost, and convenience

As a busy entrepreneur, you want health plans that are simple and easy to use — for you and your employees.

You need:

  • options that provide flexibility
  • help managing your health care dollars
  • tools and resources that empower your employees to be healthier

These are the solutions you get with Kaiser Permanente. Together we can help build a better, sustainable future for your business.

Review small business plan offerings in your area >

Are you sure you’re a small business?

Whether your business is considered small or large depends on your location.

Small and Large Business Definitions by State

California & Colorado

Small Business is 1-100 employees. (This was previously 1-50.)

Large Business is 100+ employees.

District of Columbia, Georgia, Hawaii, Maryland, Oregon, Virginia & Washington

Small Business is 1-50 employees.

Large Business is 51+ employees.

See our Large Business Plans >

Choose from a wide variety of plans to find just the right coverage for your business

Traditional HMO Plans

Predictable copayments and out-of-pocket maximums

Deductible HMO Plans

More plan options and lower premiums

HSA-Qualified Deductible HMO Plans

Lower premiums plus tax savings*

Deductible HMO with HRA Plans

Lower premiums plus tax savings*

POS Plans

Point-of service medical care, with the added flexibility of choosing physicians and services from an external provider network

PPO Plans

Referral-free access with the benefits of single carrier administration

Choose from four categories of coverage

Our bronze, silver, gold, and platinum metal plans include a variety of deductibles, copayments, and coinsurance options. Lower metal plan levels offer the lowest premiums with the highest out-of-pocket costs, while higher metal plan levels offer lower out-of-pocket costs and higher premiums.

Review plan offerings for 2016 in your area

Protect your employees with 10 essential health benefits

All Kaiser Permanente plans provide the coverage mandated by the Affordable Care Act (ACA) so you can feel confident that your employees are getting great health protection.

  • 1. Ambulatory patient services
  • 2. Emergency services
  • 3. Hospitalization
  • 4. Maternity and newborn care
  • 5. Mental health and substance disorder services, including behavioral health treatment
  • 6. Prescription drugs
  • 7. Rehabilitative and habilitative services and devices
  • 8. Laboratory services
  • 9. Preventive and wellness services and chronic disease management
  • 10. Pediatric services, including oral and vision care

For more information

  • 1The tax references in this website are provided for informational purposes only.  Consult with your financial or tax advisor or attorney for advice about federal and state income tax laws.
  • 2In a comparison of health plans across the U.S., the national consulting firm Hewitt Associates reported that we deliver 17% greater cost efficiency than the average plan in Northern California and 18% greater cost efficiency than the average plan in Southern California. Hewitt Health Value Initiative™ Benchmarking Study—Kaiser Foundation Health Plan, Inc., April 3, 2013.
  • 3Some plan options, products, and riders not available in all Kaiser Permanente areas.