Star Ratings
Who Kaiser Permanente Is Best For
Front Range Urban Employers
Denver, Boulder, Colorado Springs, and Fort Collins employers with workforces concentrated near Kaiser medical offices get the best value.
Budget-Conscious Small Groups (2–50)
Kaiser is almost always the lowest-cost competitive quote for small groups on the Front Range — often 10–25% below PPO carriers.
Wellness & Prevention-Focused Cultures
Kaiser’s integrated care model rewards preventive medicine and coordinates chronic-condition management better than any PPO.
Startups & Nonprofits
Predictable renewals (Kaiser rarely exceeds 7% even in hard markets) help young organizations budget with confidence.
Why Colorado Employers Choose Kaiser
- Best-in-class rate stability: 15-year average renewal of ~6.1% — lowest of all 8 major Colorado carriers.
- Integrated HMO model: Kaiser owns the care delivery system, removing fee-for-service incentives that drive PPO cost inflation.
- Award-winning member app: Messaging doctors, Rx refills, lab results, and video visits all in one place.
- Same-day virtual care: 24/7 telephone and video advice included at no cost.
- Trade-off: HMO only — employees must use Kaiser providers, which limits appeal for workforces spread across rural Colorado or outside the state.
Renewal Increase History
Kaiser’s 15-year average renewal of 6.1% is the lowest of any major Colorado group carrier. Even during the 2023 post-COVID utilization spike, Kaiser held renewals below 7.5% — roughly 200 basis points better than the PPO competition.
Kaiser Permanente Annual Rate Increases (2011–2025)
Get a Kaiser Permanente Quote
Kaiser is almost always the value benchmark for Front Range groups. Let us quote it alongside PPO alternatives so you see the true cost difference.
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