Are your monthly premiums too high? Kaiser Permanente is offering a special Open Enrollment Period for small groups who want to switch to a deductible or an HSA plan.

In these tough economic times, many small businesses are looking for opportunities to save money. Kaiser Permanente realizes that money is tight for many businesses right now and they do not want to lose customers, so the Kaiser Permanente Insurance Company is making this special opportunity available. Usually, members on a group health plan can only switch plans once a year at the regularly scheduled Open Enrollment Period. However, now until December 15^th small businesses have this special opportunity to downgrade to a lower-premium deductible plan.

For businesses looking to downgrade modestly, they may want to switch to the $1500 Deductible Plan or the $1500 Deductible Plan with HSA. If switching from a copayment plan, you will notice considerable savings. If you just want to go with the absolute cheapest plan, you may choose the $0/$2700 Deductible Plan with HSA or the even more affordable plan, the $30/$2700 Deductible Plan with HSA. Usually, we recommend paying just a little bit more to get the $0/$2700 Deductible Plan with HSA because the out-of-pocket maximum is much lower on this plan than the $30/$2700 plan.