Stay connected to your compensation

Explore new sales opportunities that can turn prospects into clients. With medical commissions for large and small groups, plus rewards for all your lines of business, you can increase your earnings potential — while bringing better health and value to your clients.

Kick start the season with a small group broker bonus

Increase your bonus potential with our small group bonus program

For all new small group sold effective December 1, 2021 through January 1, 2022, earn a $100 bonus per enrolled subscriber. This bonus is payable for new small groups written through any sales channel – direct, General Agency, CaliforniaChoice, and Covered California for Small Business.
Download our small group reward flyer for more details

Be sure to take advantage of your limited-time bonus opportunities before the end of 2021. Click the "Rewards" section to learn more .

Large groups

2020


Medical payouts

Groups with 101+ full-time equivalent employees

All new and renewing commissionable large groups (101+ full-time equivalent employees)1 in California are paid commissions based on a percent of the premium in accordance with your broker agreement and agreed upon by the policy holder.

Dental payouts

Group membership 2020 payout (per member per month)
KPIC PPO and fee-for-service $2.65
Dental HMO (DeltaCare)

$1.32

Important information about our Medicare plans

Kaiser Permanente Senior Advantage, our Medicare plan, is available to individuals and groups in California. However, unless you have a contract with Kaiser Permanente that explicitly authorizes you to sell our Medicare products, brokers aren’t authorized to market or sell our Medicare plan or products, and Kaiser Permanente doesn’t pay commissions for Medicare individual or group sales. If your clients request Medicare information, contact your Kaiser Permanente account representative.

Small groups

2021

Commissions for small groups

Medical payouts

Groups with 1 to 100 full-time equivalent employees

Commissions for new small groups are paid at a flat 5% of premium.

For small groups with aggregate premiums higher than $1,000,000 in any group year, commissions will be paid at:

  • a flat 5% of premium up to $1,000,000
  • a flat 1% of premium for aggregate premiums higher than $1,000,000 in that group year

For renewing commissionable small groups (1 to 50 eligible employees) with effective dates between January 1, 2015, and December 1, 2016, commissions will continue to be paid on the following flat percent-of-premium scale:

Group Year Payout (% of premium)
1 6.5%
2 6.2%
3 5.9%
4 5.6%
5 5.3%
6+ 5.0%

For renewing commissionable small groups with effective dates between July 1, 2008, and December 1, 2014, commissions remain at 7% of premium.

For renewing commissionable small groups effective prior to July 1 2008, commissions are $17.55 per member per month in 2021.1,2

For small groups sold through CaliforniaChoice® or Covered California for Small Business (formerly known as the SHOP), commissions are paid and administered by the participating agency.

Dental payouts

Group membership 2021 Payout (per member per month)
KPIC PPO and fee-for-service $2.68
Dental HMO (DeltaCare)

$1.34

Important information about our Medicare plans

Kaiser Permanente Senior Advantage, our Medicare plan, is available to individuals and groups in California. However, unless you have a contract with Kaiser Permanente that explicitly authorizes you to sell our Medicare products, brokers aren’t authorized to market or sell our Medicare plan or products, and Kaiser Permanente doesn’t pay commissions for Medicare individual or group sales. If your clients request Medicare information, contact your Kaiser Permanente account representative.

1Does not apply to small group guaranteed associations.

2Northern California health plans sold prior to October 1, 1996, and Southern California health plans sold prior to January 1, 1995, are not commissionable.

Rewards

1. Total Replacement reward

You’ll earn a one-time reward when you establish Kaiser Permanente as the sole carrier for your new or renewing groups with effective dates of January 1, 2020, through December 31, 2020. The Total Replacement reward is only available for each qualifying total replacement group sale made directly with Kaiser Permanente. Sales not made directly with Kaiser Permanente are not eligible for this award.

How to qualify

To qualify for Total Replacement rewards, Kaiser Permanente must be the only employer-sponsored group health plan for all eligible subscribers for the employer’s locations in California.

New groups 

 

Number of subscribers Reward
10 to 19 $1,000
20 to 29 $2,000
30 to 39 $3,000
40 to 49 $4,000
50 to 199 $5,000
200 to 499 $7,500
500+ $10,000

 

  • Groups that leave or break away from exchanges (e.g., CaliforniaChoice, Covered California, and Kaiser Permanente Choice Solution), associations, trust funds, unions, or professional employer organizations and select Kaiser Permanente as the sole carrier are not eligible for the Total Replacement reward program.
  • A Total Replacement reward will only be paid once for a group. Under specific circumstances, there are a few exceptions when a Total Replacement reward may be payable more than once on a given group policyholder:

    • The employer group terminates their group policy with Kaiser Permanente and later adds Kaiser Permanente coverage with a total replacement after a minimum of two years.
    • A total replacement group adds another health plan and becomes slice. The slice carrier is subsequently replaced by Kaiser Permanente and the group becomes a total replacement after a minimum of two years has elapsed. The Total Replacement reward payout would be based on the existing business reward scale applicable at that point in time.
  • If a group terminates within 90 days of its effective date, the Total Replacement reward will be rescinded.

Existing groups

 

Number of additional subscribers enrolled Reward
5 to 9 $500
10 to 19 $1,000
20 to 29 $2,000
30 to 39 $3,000
40 to 49 $4,000
50 to 199 $5,000
200 to 499 $7,500
500+ $10,000

 

  • The Total Replacement reward for existing groups is based on the additional Kaiser Permanente subscribers (net increase) added to Kaiser Permanente coverage.
  • Solely moving any individual plan subscriber to the employer group–sponsored plan does not qualify them as an eligible subscriber for total replacement purposes.

2. Individuals and Families Plan reward

As a broker, you play a valuable role — and we want to reward you for it. For each new member you enroll in a Kaiser Permanente for Individuals and Families (KPIF) plan with an effective date of January 1, 2021, or earlier, you'll earn a $100 reward. And we’re excited to announce an increase to KPIF plan rewards after that: For each new member you enroll in a KPIF plan with an effective date of February 1, 2021, and later, rewards will increase to $120. These rewards apply for:

  • new members who enroll in a Kaiser Permanente plan through Covered California — even if they transfer from a Kaiser Permanente plan not written through Covered California.
  • new members who enroll directly with Kaiser Permanente.
  • members who transfer from a group plan to a KPIF plan.
  • You'll also earn a $50 bonus for each member who renews their KPIF plan in 2021.
  • Compensation will be the same whether members enroll through Covered California or directly with us.

3. Group Production reward

Receive a one-time $1,000 reward for the first 25 new members when you enroll new groups with effective dates of January 1, 2020 through December 31, 2020. Plus, you’ll get $25 for every additional member enrolled after the first 25.

Enrolled subscribers and each dependent count as members. New group sales made directly with Kaiser Permanente, through CaliforniaChoice, through Covered California for Small Business, or through a general agency are eligible for this reward. The reward is a one-time payment for new group member sales only, and it’s not limited to employees.

  • Rewards for all eligible new sales will be paid by Kaiser Permanente.
  • Groups that leave or break away from exchanges (e.g., CaliforniaChoice, Covered California, and Kaiser Permanente Choice Solution), associations, trust funds, unions, or professional employer organizations and select Kaiser Permanente as the sole carrier aren't eligible for the Group Production reward program.

4. You may quality for additional exclusive bonus rewards for your region. Please contact your Kaiser Permanente representative for more details.

Rules and conditions

Rules and conditions for commissions and rewards

  • Participating brokers must be in good standing and appointed by Kaiser Permanente with a current signed Kaiser Permanente broker agreement and current license on file as of the group’s or member’s effective date.
  • Brokers and consultants shall disclose to their clients all commissions and other payments made to them by Kaiser Permanente and Kaiser Permanente Insurance Company in compliance with all legal requirements.
  • Bonus and rewards are in addition to your regular sales commission and will be reported on Forms 1099 and 5500, and as otherwise required by law, including reporting required by California AB 2589.
  • To receive bonus and reward payments, you must be the broker of record on the effective date the group qualifies for the reward.
  • The maximum reward payment for any single group is $50,000 for all rewards combined.
  • Groups split among brokers for commission purposes will be considered split for group rewards at the same ratio as commissions.
  • For group rewards, new members are those who have the same effective date as the date the group qualifies for the reward.
  • For eligible sales not made directly with Kaiser Permanente, reporting from the participating agency may delay reward payments.
  • Bonus and reward programs are subject to change at any time.