Questions & Answers

We’ll work with you to understand your needs, then review the full range of Kaiser Permanente offerings in your area to help you choose the right option. It’s one of the many reasons you can feel good about coming back to Kaiser Permanente.

Open Enrollment for individual plans begins November 1, 2024 for coverage that becomes effective January 1, 2025 or later. Most people are required to have health care coverage and are eligible for it, regardless of health history. Explore the new options that will be available to you.

A household includes you (the tax filer), your spouse if you have one, and your tax dependents.

For more information on who to include in your household, visit who to include in your household.

1. Start with your household’s adjusted gross income (AGI) from your most recent federal income tax return. You’ll find your AGI on line 7 of IRS Form 1040.
2. Add the following kinds of income, if you have any, to your AGI:
   a. Tax-exempt foreign income
   b. Tax-exempt Social Security benefits (including tier 1 railroad retirement benefits)
   c. Tax-exempt interest
   d. Don’t include Supplemental Security Income (SSI)
3. Adjust your estimate for any changes you expect. Consider things like these for all members of your household:
   a. Expected raises
   b. New jobs or other employment changes, including changes to work schedule or self-employment income
   c. Changes to income from other sources, like Social Security or investments
   d. Changes in your household, like gaining or losing dependents. Gaining or losing a dependent can have a big impact on your savings
4. Now you have an estimate of your expected income.

The federal government may provide financial assistance to help you pay for health coverage or care if you can’t afford it. This is usually determined by income level and family size. Find out if you’ll qualify for federal financial assistance. Depending on the state in which you live, you may also qualify for state financial assistance.

The Health Benefit Exchange, sometimes called “Exchange,” is a state- or federally-run place – website, call center, and physical location – where you can buy health care coverage. You are able to compare and choose health plans offered by providers like Kaiser Permanente, get answers to questions, and find out if you’re eligible for federal financial assistance or special programs. The annual open enrollment period through the Health Benefit Exchange begins November 1, 2024. Individual plan coverage purchased through the Health Benefit Exchange will be effective on January 1, 2025, or later.

No, however the Health Benefit Exchange is the only place to get federal financial assistance, if you are eligible. You can also get coverage directly from a health plan provider, like Kaiser Permanente, or through your employer, if they offer group coverage.

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Of course. We’re committed to helping you thrive and pinpointing the health care plan that’s right for you. Please call Kaiser Permanente Member Services for your area.