Kaiser Permanente Medicare Advantage Plans for 2027
Plan year 2027 · Source: CMS · Checked October 29, 2026
What Kaiser Permanente offers
Kaiser Permanente is run by the Kaiser Foundation Health Plan, and for 2027 it filed 117 Medicare Advantage plans with Medicare. Its plans are sold in 9 states and the District of Columbia, and the exact plans on offer change from one county to the next. Most Kaiser areas have just a few plans, so the list where you live is short.
The company sells these kinds of plans:
- HMO plans (91)
- HMO-POS plans (26)
Kaiser works in a way that sets it apart. It runs its own clinics and hospitals, and its plans use Kaiser doctors and Kaiser sites for most care. If you like care in one place, with one team, that setup can feel simple. If your own doctors are not Kaiser doctors, its plans will not fit you well, since care outside Kaiser is not covered in most cases, except in an emergency.
It also sells 30 special needs plans. These plans are built for people in a set group. That can mean people who have both Medicare and Medicaid. It can also mean people who live with a long-term health condition that needs steady care.
What its plans cost
Of the 117 plans, 59 charge no monthly premium at all, although you still pay your Part B premium each month, just as you would with any Medicare Advantage plan. Plan premiums across the company run from $0 to $373 a month, the widest top end in this guide, so the plan in your county can cost far more than the plans in the next state.
A $0 premium does not mean $0 care. Each plan has its own copays. Each plan also has its own yearly limit on what you pay out of pocket for covered care. Those numbers change from plan to plan. The plan pages in this section show the exact numbers for each plan, straight from Medicare's own files.
Star ratings
Medicare rates each contract from 1 to 5 stars, and Kaiser Permanente contracts run from 4.0 to 5.0 stars for 2027, the top range in this guide. The rating belongs to the contract and not to the brand as a whole, so check the star rating on the plan page and not just the company name.
How to shop this company
Start with your county, because Medicare Advantage plans are sold by county and Kaiser sells in a small set of metro areas. Then check three things before you decide: your doctors are in the plan's network, your drugs are on the plan's drug list, and the yearly cost limit fits your budget. With Kaiser, the first check is the big one, since most care must come from Kaiser sites.
Some care needs approval before the plan will pay for it, so read [how approval for home health works in a Medicare Advantage plan](/home-health/home-health-under-medicare-advantage-prior-authorization) before you count on care at home. If you ever need hospice care, Medicare covers hospice under Part A in every plan — see [what Medicare hospice covers, in the hospice guide](/hospice/what-medicare-hospice-covers-and-what-you-may-still-pay).
This page is a guide, not a sales tool, and Care and Living Guide does not sell or enroll anyone in a plan. When you are ready to sign up, use Medicare.gov, call 1-800-MEDICARE, or talk with a licensed insurance agent.
Care and Living Guide is not connected with or endorsed by the U.S. government or the federal Medicare program. For official information visit Medicare.gov or call 1-800-MEDICARE.