Kaiser Plan & Rate Updates Effective January 2026
Kaiser announced plan and rate updates for January 1, 2026 effective dates. Rates are available for quoting!
Rates
Medical HMO:
- Northern CA: 7.1% average annual increase
- Southern CA: 6.5% average annual increase
Medical PPO: 7.25% average annual increase
Kaiser Permanente only changes rates once a year, so these January 2026 rates will be good for all 2026.
Plan Updates
New KP Plus Plan Design
Kaiser Permanente is introducing their KP Plus plan design to the California Small Group market. KP Plus helps attract customers and members who wouldn't ordinarily consider Kaiser Permanente. These plans are unique because members get access to top-rated care from Kaiser Permanente and affiliated providers, plus the flexibility to get care from out-of-network providers a set number of times each year.
Each year, members receive:
- 10 out-of-network office visits and outpatient medical services (combined)
- 5 out-of-network prescription fills or refills
KP Plus offers affordability and flexibility:
- Lower monthly rates and out-of-pocket costs when compared to typical PPO and point-of-service (POS) plans
- Freedom to select an in-network or out-of-network provider for care as needed
There will be two new KP Plus plans:
- Platinum 90 0/10 PCP KP Plus + Child Dental Alt
- Gold 80 250/35 PCP KP Plus + Child Dental Alt
Please note: these new KP Plus plans are labeled as "HMO" plans in bpQuote since they only have some out-of-network benefits.
New Gold 80 HMO Plan
Kaiser Permanente is also adding a new Gold 80 HMO 500/35 PCP + Child Dental Alt plan. This plan is priced between the Gold 80 HMO 250/35 PCP + Child Dental and Gold 80 HMO 1000/40 PCP + Child Dental Alt plans.
Document Requirement Updates
New enrolling groups with 1-5 enrolling will need to provide the following documentation:
- DE-9C or equivalent payroll report for startups
- Waivers (if applicable)
- Business-entity verification
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.