Small Group
For businesses with 1 to 50 employees
Our health plans for small businesses offer fully integrated care and coverage that makes plans easy to use and administer.
With smart benefit design, coordinated care, chronic condition management, and preventive care, your employees can better engage with their health and you can better control your health care costs.
Small Group Contacts
We appreciate the opportunity to partner with you and we look forward to a productive relationship.
Find the right plan in 3 easy steps
Our flexible plan design lets your client customize a health plan that fits their company's size, needs, and budget. (Adult and family dental benefits are optional.)
1. Determine whether you’ll offer multiple plans
Groups of 1 to 5 employees can offer up to 4 plans. You can offer any combination of Core, KP Plus/Options, Access PPO, and Summit PPO plans.
Groups with 6 to 50 employees can offer any number of plans. You can offer any combination of Core, KP Plus/Options, Access PPO, and Summit PPO plans. Offering up to 4 plans may be ideal for groups of this size.
For a plan to be available to new group members during the contract year, a group must have at least one employee enrolled in the plan at the time of a new group setup or at renewal. Federal regulations require that groups must have at least one common-law employee enrolled to offer coverage. That means there must be at least one employee on the payroll who is not the owner or spouse of the owner.
2. Decide on your provider network(s)
Washington Permanente Medical Group is one of the largest multispecialty groups in the state, with more than 60 specialties, including 17 surgical specialties.
Our doctors and other health care providers have been recognized for the quality of care we offer:
- Washington Permanente Medical Group has been one of the top-ranked medical groups in the state for 17 years in a row.1
- 100+ doctors recognized in Seattle’s Top Docs 2024 list in Seattle Magazine and Seattle Met.2
CORE | Offered by Kaiser Foundation Health Plan of Washington
In-network coverage with Washington Permanente Medical Group at lower out-of-pocket expenses and monthly premiums:
- Nearly 1,600 Kaiser Permanente providers practicing at over 30 medical facilities in Washington state and in 8 community hospitals
- More than 16,000 additional network providers and facilities
KAISER PERMANENTE PLUS™/OPTIONS | Offered by Kaiser Foundation Health Plan of Washington Options, Inc.
Comprehensive coverage from Kaiser Permanente doctors and facilities as well as affiliated providers:
- The option to see out-of-network providers for up to 10 physician visits/medical services, and 5 prescription fills or refills per year.
- Generally lower out-of-pocket expenses and monthly rates for employers and employees, when compared to a typical PPO plan.
- Preventive care services, such as routine physicals, well-child visits, and certain screening tests, with $0 copay.
ACCESS PPO | Offered by Kaiser Foundation Health Plan of Washington Options, Inc.
A wide range of provider choice with one of the state's largest preferred provider networks:
- Kaiser Permanente providers, medical facilities, and pharmacies
- More than 26,000 additional network providers and facilities
- Most providers and designated pharmacies in our service area, including UW Medicine, Swedish Physicians, MultiCare, CHI Franciscan, PeaceHealth, Providence, and more
- First Choice Health network providers for Alaska, Idaho, Montana, Oregon, and Washington
- First Health network providers for all other states in the United States
- OptumRx network pharmacies nationwide
- Access to any other licensed provider at the out-of-network benefit level
SUMMIT PPO | Offered by Kaiser Foundation Health Plan of Washington Options, Inc.
-
Our Summit PPO plans provide access to high-value providers while maintaining provider choice
-
3-tier narrow-network PPO design with no referral requirements
-
Tier 1 offers access to high-quality Kaiser Permanente providers, pharmacies, and preferred hospitals in all states where we have locations, and to preferred contracted providers in the Washington state service area
-
Tier 1 and Tier 2 share an in-network deductible and out-of-pocket maximum
-
Care through our Summit PPO network
-
80% of employees must live or work in the 6-county area of King, Kitsap, Pierce, Snohomish, Spokane, and Thurston
1 Washington Health Alliance 2008–2024 Community Checkup reports, https://www.wacommunitycheckup.org/reports/2024-communitycheckup-
report/. The 2017–2024 year rankings apply to Kaiser Permanente Washington’s medical group, Washington Permanente Medical Group, P.C. Ranking for years prior to 2017 apply to the then-named Group Health Cooperative’s medical group, formerly named Group Health Permanente, P.C. and now named Washington Permanente Medical Group, P.C.
2 As recognized by Seattle Magazine, Seattle Met.
3. Choose your coverage level(s)
All our plans include the same benefits. The main differences are seen in the monthly premiums versus the member’s cost shares.
| Levels | Bronze | Silver | Gold | Platinum |
|---|---|---|---|---|
| Monthly premium | $ | $$ | $$$ | $$$$ |
| Cost to members when they get care (copays, deductible, coinsurance) |
$$$$ | $$$ | $$ | $ |
4. Consider dental coverage
We work with Delta Dental of Washington to offer your employees dental coverage when paired with one of our 2025 medical plans. There are 2 optional plans to select from — Basic and Standard — that include coverage for your employees and their families.
Both plans fulfill the federal mandate to provide pediatric coverage for members up to age 19. If your employee does not choose one of them, the employee's medical plan will be automatically paired with a pediatric-only dental plan offered by Delta Dental.
Find the right plan in 3 easy steps
Our flexible plan design lets your client customize a health plan that fits their company's size, needs, and budget. (Adult and family dental benefits are optional.)
1. Determine whether you’ll offer multiple plans
Groups of 1 to 5 employees can offer up to 3 plans. You can offer any combination of Core, Connect, Access PPO, and Summit PPO plans.
Groups with 6 to 50 employees can offer any number of plans. You can offer any combination of Core, Connect, Access PPO, and Summit PPO plans. Offering up to 4 plans may be ideal for groups of this size.
For a plan to be available to new group members during the contract year, a group must have at least one employee enrolled in the plan at the time of a new group setup or at renewal. Federal regulations require that groups must have at least one common-law employee enrolled to offer coverage. That means there must be at least one employee on the payroll who is not the owner or spouse of the owner.
2. Decide on your provider network(s)
Washington Permanente Medical Group is one of the largest multispecialty groups in the state, with more than 60 specialties, including 17 surgical specialties.
Our doctors and other health care providers have been recognized for the quality of care we offer:
- Washington Permanente Medical Group has been one of the top-ranked medical groups in the state for 16 years in a row.1
- In 2022, more than 90 Kaiser Permanente physicians were named “Top Docs” in area magazines, including Seattle magazine, Seattle Met, and Spokane/Coeur d'Alene Living. And 375 of our doctors have been named “Top Docs” since 2011.2
CORE | Offered by Kaiser Foundation Health Plan of Washington
In-network coverage with Washington Permanente Medical Group at lower out-of-pocket expenses and monthly premiums:
- Nearly 1,600 Kaiser Permanente providers practicing at over 30 medical facilities in Washington state and in 8 community hospitals
- More than 16,000 additional network providers and facilities
CONNECT | Offered by Kaiser Foundation Health Plan of Washington in King, Kitsap, Pierce, Snohomish, Spokane, and Thurston counties
In-network coverage with Washington Permanente Medical Group at lower out-of-pocket expenses and monthly premiums:
- Nearly 1,600 Kaiser Permanente providers practicing at over 30 medical facilities in Washington state and in 8 community hospitals
ACCESS PPO | Offered by Kaiser Foundation Health Plan of Washington Options, Inc.
A wide range of provider choice with one of the state's largest preferred provider networks:
- Kaiser Permanente providers, medical facilities, and pharmacies
- More than 26,000 additional network providers and facilities
- Most providers and designated pharmacies in our service area, including UW Medicine, Swedish Physicians, MultiCare, CHI Franciscan, PeaceHealth, Providence, and more
- First Choice Health network providers for Alaska, Idaho, Montana, Oregon, and Washington
- First Health network providers for all other states in the United States
- OptumRx network pharmacies nationwide
- Access to any other licensed provider at the out-of-network benefit level
SUMMIT PPO | Offered by Kaiser Foundation Health Plan of Washington Options, Inc.
-
Our Summit PPO plans provide access to high-value providers while maintaining provider choice
-
3-tier narrow-network PPO design with no referral requirements
-
Tier 1 offers access to high-quality Kaiser Permanente providers, pharmacies, and preferred hospitals in all states where we have locations, and to preferred contracted providers in the Washington state service area
-
Tier 1 and Tier 2 share an in-network deductible and out-of-pocket maximum
-
Care through our Summit PPO network
-
80% of employees must live or work in the 6-county area of King, Kitsap, Pierce, Snohomish, Spokane, and Thurston
1 Washington Health Alliance 2008–2023 Community Checkup reports, wacommunitycheckup.org. The 2017–2023 year rankings apply to Kaiser Permanente Washington's medical group, Washington Permanente Medical Group, P.C. Ranking for years prior to 2017 apply to the then-named Group Health Cooperative's medical group, formerly named Group Health Permanente, P.C., and now named Washington Permanente Medical Group, P.C.
2 “Top Doctors 2022,” Seattle, June 16, 2022; “Top Doctors 2022,” Seattle Met, September 2022; “Top Doctors 2022,” Spokane/Coeur d'Alene Living, March 2022.
3. Choose your coverage level(s)
All our plans include the same benefits. The main differences are seen in the monthly premiums versus the member’s cost shares.
| Levels | Bronze | Silver | Gold | Platinum |
|---|---|---|---|---|
| Monthly premium | $ | $$ | $$$ | $$$$ |
| Cost to members when they get care (copays, deductible, coinsurance) |
$$$$ | $$$ | $$ | $ |
4. Consider dental coverage
We work with Delta Dental of Washington to offer your employees dental coverage when paired with one of our 2024 medical plans. There are 2 optional plans to select from — Basic and Standard — that include coverage for your employees and their families.
Both plans fulfill the federal mandate to provide pediatric coverage for members up to age 19. If your employee does not choose one of them, the employee's medical plan will be automatically paired with a pediatric-only dental plan offered by Delta Dental.
Find the right plan in 3 easy steps
Our flexible plan design lets your client customize a health plan that fits their company's size, needs, and budget. (Adult and family dental benefits are optional.)
1. Determine whether you’ll offer multiple plans
Groups of 1 to 5 employees can offer up to 3 plans. You can offer any combination of Core, Connect, and Access PPO plans.
Groups with 6 to 50 employees can offer any number of plans. You can offer any combination of Core, Connect, and Access PPO plans. Offering up to 3 plans may be ideal for groups of this size.
For a plan to be available to new group members during the contract year, a group must have at least 1 employee enrolled in the plan when offered at the time of a new group setup or at renewal. Federal regulations require that groups must have at least one common law employee enrolled to offer coverage. That means there must be at least one employee on the payroll who is not the owner or spouse of the owner.
2. Decide on your provider network(s)
Washington Permanente Medical Group is one of the largest multispecialty groups in the state, with more than 60 specialties, including 17 surgical specialties.
Our doctors and other health care providers have been recognized for the quality of care we offer:
- Washington Permanente Medical Group has been one of the top-ranked medical groups in Washington state for more than a decade.1
- In 2020, 76 of our providers were named Top Docs in area magazines, including Seattle Magazine, Seattle Met, Spokane/Coeur d'Alene Living; more than 300 of our doctors have been named "top docs" since 2011.
CORE | Offered by Kaiser Foundation Health Plan of Washington
In-network coverage with high-performing2 Washington Permanente medical Group at lower out-of-pocket expenses and monthly premiums:
- Nearly 1,600 Kaiser Permanente providers practicing at over 30 medical facilities in Washington state and in 8 community hospitals.3
- More than 16,000 additional network providers and facilities3
CONNECT | Offered by Kaiser Foundation Health Plan of Washington in King, Kitsap, Pierce, Snohomish, Spokane, and Thurston counties
In-network coverage with high-performing2 Washington Permanente Medical Group at lower out-of-pocket expenses and monthly premiums:
- Nearly 1,600 Kaiser Permanente providers practicing at over 30 medical facilities in Washington state and in 8 community hospitals.3
ACCESS PPO | Offered by Kaiser Foundation Health Plan of Washington Options, Inc.
A wide range of provider choice with one of the state's largest preferred provider networks:
- Kaiser Permanente providers, medical facilities, and pharmacies
- More than 26,000 additional network providers and facilities3
- Most providers and designated pharmacies in our service area, including UW Medicine, Swedish Physicians, MultiCare, CHI Franciscan, PeaceHealth, Providence, and more
- First Choice Health network providers for Oregon, Alaska, Montana, Idaho, and Washington
- First Health network providers for all other states in the United States
- OptumRx network pharmacies nationwide
- Access to any other licensed provider at the out-of-network benefit level
1 Washington Health Alliance 2008-2020 Community Checkup reports, www.wacommunitycheckup.org. The 2017-2020 year rankings apply to Kaiser Permanente Washington's medical group, Washington Permanente Medical Group, P.C. Rankings for years prior to 2017 apply to the then-named Group Health Cooperative's medical group, formerly named Group Health Permanente, P.C. and now named Washington Permanente Medical Group, P.C.
2 Criteria established by American Medical Group Association
3 OIC Provider Network Form A
3. Choose your coverage level(s)
All our plans include the same benefits. The main differences are seen in the monthly premiums versus the member’s cost shares.
| Levels | Bronze | Silver | Gold | Platinum |
|---|---|---|---|---|
| Monthly premium | $ | $$ | $$$ | $$$$ |
| Cost to members when they get care (Copays, deductible, coinsurance) |
$$$$ | $$$ | $$ | $ |
4. Consider dental coverage
We work with Delta Dental of Washington to offer your employees dental coverage when paired with one of our 2022 or 2023 medical plans. There are two optional plans to select from—Basic and Standard—that include coverage for your employees and their families.
Both plans fulfill the federal mandate to provide pediatric coverage for members up to age 19. If your employee does not choose one of them, the employee's medical plan will be automatically paired with a pediatric-only dental plan offered by Delta Dental.
Kaiser Permanente Small Group support
Kaiser Permanente's Small Group team is here to support you. We are available to answer questions regarding the following topics.
- Enrollment materials/brochures
- Group quotes
- Contract administration
- Open enrollment
- Producer change
- Provider directories
- Quoting portal questions
Small Group support can be reached at 1-800-542-6312 (WWA) / 1-800-497-2210 (EWA) or via email at smallbusinessgroup@kp.org.
2025 Small Group Forms
Administrator Guide (PDF)
Core HMO Network Flyer (PDF)
Disclosure Document (PDF)
KP Plus B2B Sell Sheet (PDF)
Quote Request Form (PDF)
Group Master Application (PDF)
Small Group Rating Areas (PDF)
Plan and Benefit Details
Lab & X-ray (LX) plans
These plans include unlimited lab tests and basic X-ray for only a copay and are not subject to the deductible.
VisitsPlus plans
These include unlimited office visits for only a copay and are not subject to the deductible.
Plan availability
Many of our small business plans are available in these Washington counties: Benton, Columbia, Franklin, Island, King, Kitsap, Lewis, Mason, Pierce, Skagit, Snohomish, Spokane, Thurston, Walla Walla, Whatcom, Whitman, Yakima.
Summit PPO plans are available to small business employees residing or working in the following counties: King, Kitsap, Pierce, Snohomish, Spokane, and Thurston.
Get Sales Packets
Email us with your request and you should receive packets within 3 to 5 business days.