Renewal Date January 1, 2026
This page outlines changes for 2026 and provides links to important documents and websites. Link to: Important Policy Notices Page
2026 Kaiser Plan Comparison With Changes
Important Dates:
- C.A.R. Health Plans Open Enrollment: November 1, 2025 through December 15, 2025
- New benefits and rates take effect: January 1, 2026
- Changes and enrollments take effect: January 1, 2026
Where to Find Current Plan and 2026 Rate Information:
- Existing Plan Members: Confirm your current coverage and check 2026 rates on the C.A.R. Member Benefits Portal.
- Log in with your email and password.
- Review your personal information in Step 1
- Click the “Benefits” tab to review current enrollment
- Move to Step 2 to see your 2026 rates and to enroll or make changes
- Contact RealCare Directly
- Call for a quote or phone appointment – (800) 939-8088, Option 2
- Email for a quote or phone appointment – rc-sales@nfp.com
What is Changing?
- 2026 Kaiser Plan Comparison With Changes (Changes for 2026 highlighted)
- 2026 Plan Change Documents (Scroll to find your plan)
- Kaiser Plan Changes Bronze 60 HDHP 6650-0 to Bronze 60 HDHP 7200-0
- Kaiser Plan Changes Silver 70 2850-25 to Silver 70 3200-25
- Kaiser Plan Changes Gold 80 HDHP 1750-15 to Gold 80 HDHP 1900-15
- Kaiser Plan Changes Bronze 60 5800-60
- Kaiser Plan Changes Silver 70 1900-65 to Silver 70 2000-65
- Kaiser Plan Changes Silver 70 2300-65
- Kaiser Plan Changes Silver 70 2500-55
- Kaiser Plan Changes Silver 70 2900-65 to Silver 70 3100-75
- Kaiser Plan Changes Gold 80 0-35 to Gold 80 0-40
- Kaiser Plan Changes Gold 80 250-35
- Kaiser Plan Changes Gold 80 1000-40
- Kaiser Plan Changes Gold 80 2250-35
- Kaiser Plan Changes Platinum 90 0-10
- Kaiser Plan Changes Platinum 90 0-20
- Kaiser Plan Changes Platinum 90 250-30
2026 Kaiser Benefit Summaries
HSA Compatible Plans – (Be sure to visit C.A.R.’s HSA partner – Bend HSA)
- Kaiser BRONZE-7200-0-HDHP HMO Benefit Summary
- Kaiser SILVER-3200-25-HDHP-HMO Benefit Summary
- Kaiser GOLD-1900-15-HDHP-HMO Benefit Summary
Bronze & Silver PPO Plans
- Kaiser BRONZE-5800-60-HMO Benefit Summary
- Kaiser SILVER-3100-75-Deductible-HMO Benefit Summary
- Kaiser SILVER-2500-55-Deductible-HMO Benefit Summary
- Kaiser SILVER-2300-65-Deductible-HMO Benefit Summary
- Kaiser SILVER-2000-65-Deductible-HMO Benefit Summary
Gold & Platinum PPO Plans
- Kaiser GOLD-2250-35-HRA-HMO Benefit Summary
- Kaiser GOLD-1900-15-HDHP-HMO Benefit Summary
- Kaiser GOLD-1000-40 Deductible HMO Benefit Summary
- Kaiser GOLD-500-35-Deductible HMO Benefit Summary
- Kaiser GOLD-250-35-KP-PLUS Benefit Summary (NEW!)
- Kaiser GOLD-250-35-Deductible HMO Benefit Summary
- Kaiser GOLD-0-40-Copay-HMO Benefit Summary
- Kaiser PLATINUM-250-30-Copay-HMO Benefit Summary
- Kaiser PLATINUM-0-20-Copay-HMO Benefit Summary
- Kaiser PLATINUM-0-10-Copay-HMO Benefit Summary
KP Plus Plans (New!)
2026 Kaiser Rates
You can find your new rates by logging in to the C.A.R. Member Benefits Portal. Or, you can calculate your rates using the rate sheets and worksheet below.
- KAISER Small Group Rates – All Areas Combined
- If you don’t know your rating area, you can use the Kaiser 2026 Service County + Zip Code Guide to find your zip code and region.
- How to Calculate Your Medical Rate
Making Changes
You can change plans or add/delete dependents by using the Kaiser Change Form. All changes must be submitted by December 15th. Changes will be effective 1/1/25.
During Open Enrollment you can also add other benefits including dental, vision, life or Accidental Death. You can view plans and rates at:
- CAR Dental & Vision Benefit Summary & Rates
- CAR MetLife Term Life & Vol ADD Benefit Summaries and Rates
- CAR MetLife Voluntary AD&D Benefit Summary
If you wish to drop your Kaiser or MetLife coverage, submit the Termination Request Form