Kaiser Plan & Rate Updates Effective January 2025
Kaiser announced plan and rate updates for January 1, 2025 effective dates. Rates are available for quoting!
Rates
Medical HMO:
- Northern CA: 8.2% average annual increase
- Southern CA: 5.1% average annual increase
Medical PPO: 7.0% average annual increase
Kaiser Permanente only changes rates once a year, so these January 2025 rates will be good for all 2025.
Plan Updates
Primary care provider (PCP) is being added to all 2025 on- and off-exchange plan names.
Kaiser Permanente is discontinuing the Bronze 60 HMO 5400/60 + Child Dental Alt. Members will be remapped to the Bronze 60 HMO 5800/60 PCP + Child Dental. The mapped plan only has physician-referred acupuncture as a benefit so members may want consider buying up to the Silver 70 HMO 2900/65 PCP + Child Dental Alt if they would like to have the self-referred chiropractic/acupuncture benefit.
Other plans may have benefit modifications due to changes to the 2025 actuarial value calculators, with the biggest changes being to the medical deductible and out-of-pocket maximums.
There are no changes to the dental, acupuncture, or chiropractic ancillary product benefits.
Underwriting Updates
Effective January 1, 2025, when a new group enrollment is sliced against another health plan carrier, they must meet these minimum eligible employees requirements:
- Fewer than 20 eligibles: 1+ enrolling
- 20-50 eligibles: 3+ enrolling
- 51+ eligibles: 5+ enrolling
Broker Bonus
Earn a $100 bonus per enrolled member when you enroll at least 10 members from a qualified, new small group in California with effective dates between October 1, 2024 through January 31, 2025.
See Kaiser Permanente's bonus flyer for complete details.
Book Rates
Book rates will be posted to our Carrier Documents page (login required) when they are available.
For questions, please contact a member of your B&P Sales Team – (888) 722-3373.