California's state-based health exchange since 2013
Get a QuoteKaiser Permanente and Blue Shield of California are the two largest health insurers in the state. This guide compares their plans, costs, networks, and helps you decide which is right for you.
| Feature | Kaiser Permanente | Blue Shield |
|---|---|---|
| Plan Types | HMO only | HMO, PPO, EPO |
| Provider Network | Kaiser doctors & hospitals only | Large network of independent providers |
| Out-of-Network Care | Emergencies only | Covered with PPO plans |
| Referrals Needed | Yes (but often same-day) | HMO: Yes, PPO: No |
| Medical Records | Fully integrated system | Depends on provider |
| Pharmacy | Kaiser pharmacies | Retail pharmacy network |
| Telehealth | Extensive, integrated | Available through partners |
| Customer Satisfaction | Consistently high ratings | Good ratings |
Kaiser operates its own:
Blue Shield contracts with independent providers:
Both carriers sell Covered California's standard plan designs, so what you pay when you use care depends more on the metal tier than on the carrier. These are the standard 2027 plans:
| Plan (2027) | Primary Care Visit | Specialist Visit | Generic Drugs | ER Visit |
|---|---|---|---|---|
| Bronze 60 | $60 | $100 | $20 | 40% |
| Silver 70 | $50 | $100 | $20 | $400 |
| Silver 73 | $50 | $100 | $20 | $400 |
| Silver 87 | $15 | $30 | $10 | $200 |
| Silver 94 | $5 | $8 | $3 | $50 |
| Gold 80 | $40 | $80 | $19 | $350 |
| Platinum 90 | $20 | $45 | $10 | $225 |
On the standard Bronze 60 plan the deductible is waived for your first three non-preventive visits of the year combined (office, urgent care and outpatient mental health visits). After that, the deductible comes first.
Gold and Platinum come in copay and coinsurance designs, and a few benefits can differ by carrier, so check the plan's own summary. Premiums differ by carrier, age and area: the quote form prices both for you.
Our agents can help you compare Kaiser and Blue Shield plans based on your doctors, medications, and budget.
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