Kaiser Permanente California Individual Health Insurance

With so many health insurance companies and plans to choose from, the task of finding the right California individual health insurance can sometimes be a daunting experience. This page is designed to simplify the insurance jargon so you can determine the best option for you or your family. To get personalized California individual medical insurance quotes, use the form above. Simply enter your zip code and click “Go”. To apply or view available Kaiser Permanente health plans for individuals in California, see the links below.

Coverage Benefits for Individual Medical Insurance in California

Kaiser Permanente makes available a wide array of affordable California individual and family health plans which let you tailor the benefits to your particular health care and financial needs. The following are basic benefits found on Kaiser Permanente personal health insurance in California:

  • Primary Care
  • Specialty Care
  • Outpatient Surgery
  • Maternity*
  • Emergency
  • Ambulance
  • Hospitalization
  • Labs and X-rays
  • Prescription Drugs*
  • Chemical Dependency
  • Mental Health
  • Preventive Physical Exams

Note: Some California individual health insurance policies require you to pay full price for these benefits before you have reached your deductible. Some do not include benefits with an asterisk (*). Most preventive care including Annual Physicals is covered at no charge before the deductible is reached.

13 Different California Individual Medical Insurance Plans

Explore the thirteen health plans for individuals in California offered by Kaiser Permanente and choose the right coverage for you. There are three basic types of plans: Copayment, Deductible, and HSA Plans.

  • 3 Copayment Plans: Predictability and Convenience for Maximum Peace of Mind

    The Kaiser Permanente Copayment Plans give you the broadest coverage on a non-deductible basis. Since there are no deductibles, you pay the lowest fees or copayments when you go in for a visit. Despite the higher rates, many find that the predictability and convenience of low copayments make it worth the price.

  • 5 Deductible Plans: An Affordable Middle-of-the Road Option

    Some of the most popular Kaiser Permanente California individual health insurance plans are the standard Deductible Plans. With these options, you get the best of both worlds: coverage for the type of services that are most commonly needed and affordable premium. This type of individual medical insurance in California is suitable for people who are reasonably healthy. 

  • 5 Health Savings Accounts (HSA’s): For Major Medical Needs & Tax Deductions

    Health Savings Account (HSA) Policies are designed for people who mostly want catastrophic coverage. With the exception of preventive exams, all services are subject to the deductible. If you don't need bells and whistles, consider these policies. They will help in lowering your premium. The HSA policies for individual medical insurance in California are a viable option for people with relatively good health and who are comfortable with a high deductible health plan just in case a major medical situation comes up. These California individual health insurance plans are government-qualified so that members have the option to open a health savings account at Wells Fargo Bank or their preferred financial institution.

All Must Apply Separately

Kaiser Permanente California private health insurance coverage is no longer offered on a family basis. Families can still be covered, but policies are issued separately. Each applicant will be evaluated and either approved or denied on an individual basis. All family members can be insured provided they meet the underwriting guidelines. In California, special guidelines apply to children under age 19. For information, click California Child Health Insurance.

Switching Plans

If you are interested in switching from one Kaiser Permanente California individual health insurance plan to another private plan, first get a quote to compare the options with your current policy benefits and premium. If you decide to switch plans, you will need to either submit an application for California individual medical insurance or contact Kaiser Permanente Member Services at 1-800-464-4000. Ask your insurance representative for details. 

Note: For the Disclosure Form for Kaiser Permanente Individuals and Families, click here. For more information about KPAOL, the online application, click Kaiser Permanente Apply Online system.