Thanks for your interest in Kaiser Permanente small group health plans!
We look forward to working with you to find an affordable, flexible solution for your employees’ health care needs. Kaiser Permanente health plans for small groups are geared for organizations with 1 to 50 employees. No matter which plan type you choose, we give your employees the options they need to find the right care while helping you manage costs and improve employee health.
Step 1 – Confirm eligibility
It’s important your business meet the eligibility requirements for small groups in Washington state. A small group is a business with 1 to 50 employees (as defined under applicable federal and state laws).
- Is your business licensed to operate in Washington state?
- Do you have at least one common law employee, but no more than 50 employees?
- Are all employees represented on payroll as receiving wages or commission?
The group agrees to provide proof of group and employee eligibility. Kaiser Foundation Health Plan of Washington reserves the right to inspect the records and the group in order to verify the eligibility of employees and their dependents. Copies of the quarterly employee wage report and appropriate employer tax documentation may be required for any group at the discretion of Kaiser Foundation Health Plan of Washington. The employer group will maintain enrollment/waiver records for the purpose of regulatory state audits.
Depending on the plan you choose, a certain percentage of your employees must reside or work in the Kaiser Permanente Washington service area.
- Do your employees reside or work in one of the following counites? Benton, Columbia, Franklin, Island, King, Kitsap, Lewis, Mason, Pierce, Skagit, Snohomish, Spokane, Thurston, Walla Walla, Whatcom, Whitman, and Yakima.
- Does your business pay a minimum 50% of the average employee premium?
If you were unable to answer yes to any of these questions, we encourage you to reach out to a producer for assistance in selecting a health plan carrier. For additional detail on eligibility, refer to the KPWA Small Group Underwriting Guidelines.
Step 2 – Consider which solution is best for your business
Which provider network is best for your employees?
Central to all our plans is care from Kaiser Permanente providers. Our doctors, specialists, nurses, and other health professionals all work as a team to support our members’ health.
A portfolio of 25 options to choose from:
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Core, Connect, Access PPO, and Summit PPO plans that cover all metal levels: Bronze, Silver, Gold, and Platinum
- 9 value-driven Core Network plans
- 2 affordability-driven Connect Network plans
- 14 choice-driven PPO plans — 10 Access and 4 Summit.
The latter are available in King, Kitsap, Pierce, Snohomish, Spokane and Thurston.
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Employee-only and health savings account (HSA) compatible plans
Offering plans across several networks might be a good choice if you have employees that travel frequently or satellite offices in different parts of the state.
How many plans make sense?
From HSA-compatible plans and high-deductible plans, to plans with low deductibles (LD) and straightforward benefits on basic lab and X-ray (LX), our plans are designed to help you offer the right mix for your employees. Mix and match plans with different networks or pick a single plan. We even offer employee-only (EO) contracts to support workers with dependents covered on subsidies.
Small Group Direct Response Plan Options
What level of coverage do you need?
Our plans are structured so you can best manage your costs. All our plans include the same benefits, but you can balance between monthly premium and what your employees pay in cost shares.
| Levels | Bronze | Silver | Gold | Platinum |
|---|---|---|---|---|
| Monthly premium | $ | $$ | $$$ | $$$$ |
| Cost to members when they get care* | $$$$ | $$$ | $$ | $ |
*Copays, deductible, coinsurance
Step 3 – Begin the quoting process
If you’re ready to request a quote, complete the form and we’ll get back to you.
YES, my business meets all eligibility requirements