The $1,000 Deductible Plan and the $0/$1500 Deductible Plan with HSA are the Kaiser Permanente California individual health insurance plans with the lowest out of pocket maximum. With either of these medical plans, once your out of pocket expenses reach $1500 in a calendar year, you have virtually 100% coverage. You still have to continue paying the bill for your health insurance policy, but beyond that, all your doctor visits, hospitalization, surgery, etc. are free.

This feature makes the $1,000 Deductible Plan one of Kaiser’s richest plans. Doctor visits and prescription drugs are covered before the deductible. The deductible is the 2^nd lowest of Kaiser’s deductible plans. Also, this health plan has a lower out of pocket maximum than the $25 Copayment Plan and the $500 Deductible Plan, which tend to be more expensive.

However, if you’re looking to reduce your out of pocket maximum and your monthly premium, I recommend the $0/$1500 Deductible Plan with HSA. This healthcare plan allows you to become a Kaiser Permanente member, pay member prices, and open a Health Savings Account (if you like). Also, with this plan, you have one of the lowest monthly premiums while at the same time having the lowest out of pocket maximum offered on the Kaiser Permanente health plans.