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The Kaiser Health Maintenance Organization Plan will be unavailable to interns and visiting researchers starting January 2026—as previously announced.
If you're enrolled in Kaiser, don't worry—your existing coverage will last through the rest of the year, and you have great alternatives to explore, including our new Surest Plan or the Health Savings Plan. If you do not take action during Open Enrollment, you will default into the Surest Plan for 2026 and will not be able to change your health plan (unless you have a qualifying life event) until Open Enrollment 2027.
All Microsoft medical plans offer quality, value and comprehensive coverage, but the plans do have important differences—including the way you pay for services, in some cases. Here is an in-depth comparison of the plans:
| Plan | Surest | Premera Health Savings Plan (HSP) |
| Availability | Nationwide (except Hawaii) | Nationwide |
| Highlights | Lower copays indicate higher-quality care.
Shop for lowest copays among high-quality providers and locations using the Surest mobile app or website.
Gain visibility into your actual health care costs.
Accurately budget for health costs. | Have flexibility in choice of providers. |
| Deductible | $0 | $1,750–$4,375 based on coverage tier |
Out-of-pocket maximums
Embedded/Aggregate | $2,750–$6,875 based on coverage tier
Embedded:
Family members must each meet their own out-of-pocket maximum until the overall family out-of-pocket maximum has been met. | $2,750–$6,875 based on coverage tier
Aggregate:
Family members' combined health care expenses must reach the overall family out-of-pocket maximum. |
| Copays | Yes. Copays are viewable before a medical visit on Surest member site/app.
Costs related to a single health care event (doctor visit, maternity care, knee replacement surgery, etc.) are bundled into a single copay.
No coinsurance. | No. Meet your deductible, then coinsurance applies, up to your out-of-pocket maximum. |
| Provider network | United Healthcare Choice Plus Network
CA residents: United Healthcare Select Plus Network | Blue Cross Blue Shield National Network |
| Out-of-network coverage | Choose any provider you like. Pay less when you use a provider in the UnitedHealthcare network. | Choose any provider you like. Pay less when you use a provider in the Blue Cross Blue Shield network. |
| Pharmacy provider & copays | Optum Rx
Retail:
$10 generic (90-day supply)
$50 brand (30-day supply)
$90 no-preferred brand (30-day supply) | Express Scripts (ESI)
10% after deductible |
| Complete plan details | View Summary Plan Description | View Summary Plan Description |
To learn more about what's new and changing for 2026, visit our Open Enrollment home page.
Active US employees can go to aka.ms/BenefitsEnroll during the Open Enrollment period, November 3rd-21st.