Kaiser Permanente Review

Integrated care model with doctors, hospitals, and insurance under one roof for coordinated treatment.

By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 7, 2026.

Our verdict

Integrated care is the whole idea: Kaiser puts insurance, doctors and hospitals under one roof, which makes coordination between specialists its strength. The trade is a closed network, since you must use Kaiser providers, and plans exist only in 8 states plus DC. Premiums are competitive where it operates, so check your market first.

Skip it if you live outside its 8 states and DC, or want to see doctors outside Kaiser.

About Kaiser Permanente

Integrated care model with doctors, hospitals, and insurance under one roof for coordinated treatment. Kaiser Permanente is offered by Kaiser Foundation Health Plan. Our editorial rating is 4.7 out of 5.

Best for: Members in Kaiser markets who want integrated care.

Editorial grade: A (composite score 90/100).

Highlights

Integrated care: insurance + doctors + hospitals
Top-rated preventive care and wellness programs
Excellent digital tools and telehealth

What we like

Highly coordinated care between specialists
Strong preventive health and wellness focus
Competitive premiums in available markets

Where it falls short

Limited to 8 states + DC
Must use Kaiser providers (closed network)

Fees, minimums, and rates

Monthly fee: Varies by plan. Minimum to open: N/A. Rates and fees last checked on September 7, 2026.

How we reviewed it

This is a desk review: we have not opened an account with Kaiser Foundation Health Plan. It is built from Kaiser Foundation Health Plan's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Health Insurance shortlist. The rubric is the same for every brand.

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Read our full editorial methodology for how we review products.