Kaiser Individual and Family Health Insurance Plans

Which individual health insurance plan is right for me and my family?

To get started, we recommend using the "Get Quotes" tab above to get healthcare quotes on the various Kaiser family health insurance plans. Consider the monthly premiums compared with the coverage offered by the eight Kaiser Permanente individual health insurance plans. Families looking for more coverage for the children or for a wife who may become pregnant may be interested in the $25 Copayment Plan or the $500 Deductible Plan. Individuals, who wish to have lower monthly premiums, often prefer the $1500 Deductible Plan or the $50 Copayment Plan.

The $25 Copayment plan offers the richest benefits. This health insurance plan has no deductible. For a primary care visit, you will pay a flat rate of $25. The next richest plan is the $500 Deductible Plan. Once your deductible has been met, the copayments for this plan will be less than the $25 Copayment plan for most services.

Often healthy individuals and families focus on obtaining "just-in-case" health insurance plans with lower monthly premiums. For individuals who rarely visit the doctor, the $1500 Deductible Plan or the $50 Copayment Plan might be the right health insurance option. The $1500 Deductible Plan is the only Kaiser Permanente health insurance plan for individuals and families that offers chiropractic coverage. The $50 Copayment Plan offers the security of having a flat rate payment to see the doctor. However, this plan does not offer prescription drug coverage.