KP Plus™ Available in California – Quoting Begins October 1

Kaiser Permanente Plus™ (KP Plus) plans will now be available in California. Quoting begins 10/1/2025, with plan effective dates starting 1/1/2026.

KP Plus combines the high-quality, coordinated care Kaiser Permanente is known for with the added flexibility of limited out-of-network access. It’s designed for groups that value Kaiser Permanente’s affordability and outcomes but also want choice when it comes to providers.
 

What This Means for Brokers

KP Plus helps you expand your client conversations by offering:

• More options for your groups — Clients can keep Kaiser Permanente in their benefits package while giving employees the flexibility to see a favorite out-of-network provider.
• Built-in flexibility — Each year, members can use:
  • 10 out-of-network office visits and covered outpatient medical services
  • 5 out-of-network prescription fills or refills
• Competitive pricing — Lower monthly premiums and out-of-pocket costs compared to PPO and POS options.
• Retention and recruitment value — Employers gain a versatile benefit that helps attract and retain employees, while simplifying administration through a single carrier.

How KP Plus Works for Members

• In-network: Fully coordinated care through Kaiser Permanente providers and facilities, with the lowest out-of-pocket costs. Preventive care at no cost, plus robust telehealth and digital tools.
• Out-of-network: Access to any licensed provider in the country for up to 10 covered services per year, plus 5 prescription fills.

Plan Designs Available for 2026

• Platinum 90 HMO 0/10 PCP KP Plus + Child Dental Alt
• Gold 80 HMO 250/35 PCP KP Plus + Child Dental Alt

For brokers, KP Plus means new opportunities to meet clients’ needs with a plan that balances affordability, flexibility and access.