Kaiser Individual and Family Health Insurance Plans

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Private Health Insurance Coverage with No Deductibles

Families looking for richer coverage for the children or for a wife who may become pregnant may be interested in choosing a medical plan with no deductible. We call these our Copayment Plans. These plans offer more first dollar benefits and thus tend to be more expensive in regard to monthly premiums. Doctor visits, emergency care and hospitalization are all covered immediately with varying copayments.

Reduce Individual Medical Insurance Rates by Choosing a Deductible Plan

Individuals, who wish to have lower monthly premiums, often prefer our deductible plans. This middle-of-the-road private coverage affords many people just the right balance of quality coverage and affordable premiums. Many of these plans cover doctor visits and prescription drugs with a copayment before the deductible is met. In this case, the deductible would apply for services such as lab tests, emergency, surgery and hospitalization.

Save on Family Healthcare with Major Medical High Deductible Health Plans

Healthy individuals and families, who are looking for the cheapest individual health plans, tend to like our High Deductible Health Plans, otherwise known as "just-in-case" health insurance coverage. These HDHP plans have the highest deductibles and the lowest monthly premiums. Most services are not covered until the deductible is met.