nonprofit integrated health plan and care system

Kaiser Permanente

A nonprofit integrated care-and-coverage system combining health plan, hospitals, and Permanente medical groups. Kaiser scores above shareholder health insurers because it is nonprofit and clinically integrated, but members still do not democratically control the system and care access remains gated.

Why this matters: Kaiser is the main U.S. alternative to ordinary health insurance, but nonprofit integration is not the same as member control.

Letter grade D Extractive High confidence (AI) Rubric gcd-rubric-v1 Last reviewed May 12, 2026

Final Score 31* D - Extractive

DEXTRACTIVE31 pts

* Tentative scaffolding score. Not human-checked or final.

Base Material35

Bonus+3

Cap41Ownership <= 4 and Governance <= 4

After Cap38

Penalties-7

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Evaluation Overview

D - Extractive

The score turns mainly on Extraction, with the largest penalty coming from Policy Capture.

Strengths

Extraction5/10
Ownership4/10
Governance4/10

Penalties

Policy Capture-2
Accountability Opacity-2
Subscription Capture-1
Surveillance Capture-1

Evidence state

ConfidenceHigh confidence (AI)
ThoroughnessDeveloped (AI)
Linked claims17
Direct axis claims17
Coverage17/17

Scoring Axes

Axis	Score	Why this score
Ownership ? Control rights: shareholder-dominated at 0, worker cooperative control at 10.	4 / 10	Kaiser Permanente's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Kaiser Permanente's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Kaiser Permanente's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Kaiser Permanente's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Kaiser Permanente's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Kaiser Permanente's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Kaiser Permanente's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Kaiser Permanente competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Kaiser Permanente's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Kaiser Permanente's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Governance ? Binding decision authority: centralized control at 0, democratic stakeholder control at 10.	4 / 10	Kaiser Permanente's public record gives limited direct evidence about whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. Kaiser Permanente's public record gives limited direct evidence about whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. On Governance, Kaiser Permanente belongs in the middle: the structure is materially better than shareholder insurance, but insured people still lack full democratic control over coverage rules, claims, pricing, or networks. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Kaiser Permanente's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] Kaiser Permanente's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Kaiser Permanente's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Kaiser Permanente's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Kaiser Permanente's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Kaiser Permanente's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Kaiser Permanente competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Kaiser Permanente's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Kaiser Permanente's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Extraction ? Surplus allocation, wage share, CEO pay ratio, margins, and structured extraction judgment.	5 / 10	Kaiser Permanente's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. Kaiser Permanente's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. On Extraction, Kaiser Permanente belongs in the middle: the structure is materially better than shareholder insurance, but insured people still lack full democratic control over coverage rules, claims, pricing, or networks. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Kaiser Permanente's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Kaiser Permanente's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] Kaiser Permanente's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Kaiser Permanente's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Kaiser Permanente's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Kaiser Permanente's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Kaiser Permanente competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Kaiser Permanente's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Kaiser Permanente's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Labor Sovereignty ? Worker power: coercive conditions at 0, co-determination or ownership at 7. Employee dissatisfaction matters only when source-backed evidence shows concrete limits on worker agency, such as coercive scheduling, retaliation, wage theft, harassment, unsafe conditions, suppression of worker voice, or extreme turnover.	3 / 7	Kaiser Permanente's public structure does not show ordinary workers holding binding democratic control over insurance operations. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Kaiser Permanente's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Kaiser Permanente's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Kaiser Permanente's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] Kaiser Permanente's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Kaiser Permanente's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Kaiser Permanente's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Kaiser Permanente competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Kaiser Permanente's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Kaiser Permanente's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Solidarity with the Unemployed ? Treatment of exits and nonworkers, including severance, redeployment, and non-competes.	4 / 7	Kaiser Permanente's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. Kaiser Permanente's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. On Solidarity with the Unemployed, Kaiser Permanente belongs in the middle: the structure is materially better than shareholder insurance, but insured people still lack full democratic control over coverage rules, claims, pricing, or networks. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Kaiser Permanente's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Kaiser Permanente's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Kaiser Permanente's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Kaiser Permanente's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] Kaiser Permanente's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Kaiser Permanente's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Kaiser Permanente competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Kaiser Permanente's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Kaiser Permanente's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Loss-Bearing Fidelity ? Willingness to absorb costs to preserve values, workers, users, and public obligations.	4 / 7	Kaiser Permanente's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. Kaiser Permanente's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. On Loss-Bearing Fidelity, Kaiser Permanente belongs in the middle: the structure is materially better than shareholder insurance, but insured people still lack full democratic control over coverage rules, claims, pricing, or networks. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Kaiser Permanente's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Kaiser Permanente's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Kaiser Permanente's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Kaiser Permanente's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Kaiser Permanente's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] Kaiser Permanente's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Kaiser Permanente competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Kaiser Permanente's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Kaiser Permanente's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Market Conduct ? Pricing fairness, switching costs, lock-in, and rent extraction.	3 / 5	Kaiser Permanente competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. Kaiser Permanente competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. On Market Conduct, Kaiser Permanente belongs low because insurance power is controlled mainly by shareholders, executives, parent companies, or ordinary corporate boards rather than policyholders, patients, workers, or affected communities. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Kaiser Permanente's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Kaiser Permanente's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Kaiser Permanente's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Kaiser Permanente's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Kaiser Permanente's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Kaiser Permanente's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] Kaiser Permanente competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Kaiser Permanente's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Kaiser Permanente's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Product Integrity ? Preservation of quality rather than degradation for monetization.	4 / 5	Kaiser Permanente's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. Kaiser Permanente's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. On Product Integrity, Kaiser Permanente belongs in the middle: the structure is materially better than shareholder insurance, but insured people still lack full democratic control over coverage rules, claims, pricing, or networks. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Kaiser Permanente's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Kaiser Permanente's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Kaiser Permanente's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Kaiser Permanente's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Kaiser Permanente's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Kaiser Permanente's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Kaiser Permanente competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] Kaiser Permanente's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Kaiser Permanente's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Scale Integrity ? Whether growth improves or degrades fairness and accountability.	4 / 5	Kaiser Permanente's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. Kaiser Permanente's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. On Scale Integrity, Kaiser Permanente belongs in the middle: the structure is materially better than shareholder insurance, but insured people still lack full democratic control over coverage rules, claims, pricing, or networks. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Kaiser Permanente's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Kaiser Permanente's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Kaiser Permanente's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Kaiser Permanente's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Kaiser Permanente's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Kaiser Permanente's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Kaiser Permanente competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Kaiser Permanente's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] Kaiser Permanente's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]

Penalties

Penalty	Applied	Why this penalty
Policy Capture ? Private-interest attempts to bend law, regulation, subsidies, taxes, enforcement, trade, labor, safety, competition, environmental, healthcare, housing, surveillance, civil-liberties, or consumer policy against workers, customers, citizens, affected communities, or ecological life. Public-interest advocacy is not penalized merely because it is lobbying. Range: -15 to 0.	-2	Kaiser Permanente's public record makes Policy Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy… Kaiser Permanente's public record makes Policy Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This warrants a Policy Capture penalty because the insurance model exposes customers or members to recurring-payment inertia, opaque policy terms, care or claims gatekeeping, policy influence, data use, or identity-based trust transfer. The penalty is calibrated to the evidence for this entity rather than assumed for the whole sector. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Kaiser Permanente's public record makes Policy Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [13]
Subscription Capture ? Manipulative recurring-payment, automatic-renewal, cancellation-friction, bundling, trial-conversion, or refund designs that profit from inertia or confusion. Range: -5 to 0.	-1	Kaiser Permanente's public record makes Subscription Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums,… Kaiser Permanente's public record makes Subscription Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This warrants a Subscription Capture penalty because the insurance model exposes customers or members to recurring-payment inertia, opaque policy terms, care or claims gatekeeping, policy influence, data use, or identity-based trust transfer. The penalty is calibrated to the evidence for this entity rather than assumed for the whole sector. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Kaiser Permanente's public record makes Subscription Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [14]
Accountability Opacity ? Material opacity, reputation laundering, or hidden accountability structures that prevent public accountability. Range: -2 to 0.	-2	Kaiser Permanente's public record makes Accountability Opacity relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums,… Kaiser Permanente's public record makes Accountability Opacity relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This warrants a Accountability Opacity penalty because the insurance model exposes customers or members to recurring-payment inertia, opaque policy terms, care or claims gatekeeping, policy influence, data use, or identity-based trust transfer. The penalty is calibrated to the evidence for this entity rather than assumed for the whole sector. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Kaiser Permanente's public record makes Accountability Opacity relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [15]
Surveillance Capture ? Invasive surveillance, unreasonably non-optional tracking, facial recognition, biometric identification, or AI behavior scanning of customers, workers, bystanders, or the public. Range: -5 to 0.	-1	Kaiser Permanente's public record makes Surveillance Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums,… Kaiser Permanente's public record makes Surveillance Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This warrants a Surveillance Capture penalty because the insurance model exposes customers or members to recurring-payment inertia, opaque policy terms, care or claims gatekeeping, policy influence, data use, or identity-based trust transfer. The penalty is calibrated to the evidence for this entity rather than assumed for the whole sector. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Kaiser Permanente's public record makes Surveillance Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [16]
Ideological Disavowal ? Concealed ideology presented as neutrality, expertise, professional necessity, public-service administration, market inevitability, or non-ideological common sense while exercising power. Range: -3 to 0.	-1	Kaiser Permanente's public record makes Ideological Disavowal relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums,… Kaiser Permanente's public record makes Ideological Disavowal relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This warrants a Ideological Disavowal penalty because the insurance model exposes customers or members to recurring-payment inertia, opaque policy terms, care or claims gatekeeping, policy influence, data use, or identity-based trust transfer. The penalty is calibrated to the evidence for this entity rather than assumed for the whole sector. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Kaiser Permanente's public record makes Ideological Disavowal relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [17]

Bonus Credits

Bonus	Credit	Why this credit
Openness to Dissent ? Credit for tolerating internal, user, customer, worker, and public dissent without retaliation, capture, or viewpoint laundering.	1 / 3	Kaiser Permanente's public record makes Openness to Dissent relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy… Kaiser Permanente's public record makes Openness to Dissent relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This supports limited Openness to Dissent credit because the record shows a rare insurance-sector practice that improves member voice, public value, affordability, or transparency. The credit is limited because insurance still works through contracts, underwriting, claims administration, or managed-care authority. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Kaiser Permanente's public record makes Openness to Dissent relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [10]
Constitutional Spirit ? Credit for respecting constitutional rights and civil-liberties norms even where private law does not strictly require it.	1 / 3	Kaiser Permanente's public record makes Constitutional Spirit relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums,… Kaiser Permanente's public record makes Constitutional Spirit relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This supports limited Constitutional Spirit credit because the record shows a rare insurance-sector practice that improves member voice, public value, affordability, or transparency. The credit is limited because insurance still works through contracts, underwriting, claims administration, or managed-care authority. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Kaiser Permanente's public record makes Constitutional Spirit relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [11]
Good Deal ? Credit for unusually fair value: durable quality, fair pricing, low lock-in, and clear customer surplus.	1 / 3	Kaiser Permanente's public record makes Good Deal relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. Kaiser Permanente's public record makes Good Deal relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This supports limited Good Deal credit because the record shows a rare insurance-sector practice that improves member voice, public value, affordability, or transparency. The credit is limited because insurance still works through contracts, underwriting, claims administration, or managed-care authority. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Kaiser Permanente's public record makes Good Deal relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [12]

Confidence Basis

Confidence is computed from the evidence trail and review state, not typed into the profile by hand.

High 81/100

17 verified linked claims 17 direct axis claims 0 disputed claims 17/17 components covered

This confidence label measures the source-backed evidence trail. AI-scaffolded scores remain tentative until human review.

Claim confidence 16/20

17 verified linked claims

Source quality 12/18

Best source per verified claim, weighted by institutional reliability

Direct axis-specific claims 14/18

17 direct claims across 17 active components

Dispute load 12/12

0 disputed claims on this entity

Recency 10/10

Newest accepted timestamp: May 13, 2026

Reviewer status 7/12

Human-reviewed components score higher than AI scaffolding

Component coverage 10/10

17/17 evidence-bearing components have direct support

Evidence State

Profile stateAI draft / human-pending

VerificationUnverified

ConfidenceHigh confidence (AI)

ThoroughnessDeveloped (AI)

Correction routeUse “Challenge this rating” for factual errors, missing counterevidence, source problems, or calculation mistakes.

Company responseCompany representatives can submit source-backed corrections; payment never changes scores or reviewer authority.

Claims and Sources

Claims are the evidence record. Each claim needs a source link, axis category, status, confidence level, and timestamp before it can support a score.

* Tentative scaffolding score. Not human-checked or final.

1Kaiser Permanente's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model.

Ownership Verified High confidence Human-reviewed May 12, 2026

Kaiser Permanente who we areOfficial self-description · 68%

2Kaiser Permanente's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives.

Governance Verified High confidence Human-reviewed May 12, 2026

Kaiser Permanente who we areOfficial self-description · 68%

3Kaiser Permanente's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return.

Extraction Verified High confidence Human-reviewed May 12, 2026

Kaiser Permanente who we areOfficial self-description · 68%

4Kaiser Permanente's public structure does not show ordinary workers holding binding democratic control over insurance operations.

Labor Sovereignty Verified Medium confidence Human-reviewed May 12, 2026

Kaiser Permanente who we areOfficial self-description · 68%

5Kaiser Permanente's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter.

Solidarity Unemployed Verified Medium confidence Human-reviewed May 12, 2026

Kaiser Permanente integrated-care modelOfficial self-description · 68%

6Kaiser Permanente's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs.

Loss Bearing Fidelity Verified High confidence Human-reviewed May 12, 2026

Kaiser Permanente who we areOfficial self-description · 68%

7Kaiser Permanente competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power.

Market Conduct Verified High confidence Human-reviewed May 12, 2026

Kaiser Permanente integrated-care modelOfficial self-description · 68%

8Kaiser Permanente's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms.

Product Integrity Verified High confidence Human-reviewed May 12, 2026

Kaiser Permanente who we areOfficial self-description · 68%

9Kaiser Permanente's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs.

Scale Integrity Verified High confidence Human-reviewed May 12, 2026

Kaiser Permanente integrated-care modelOfficial self-description · 68%

10Kaiser Permanente's public record makes Openness to Dissent relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Openness To Dissent Verified Medium confidence Human-reviewed May 12, 2026

Kaiser Permanente integrated-care modelOfficial self-description · 68%

11Kaiser Permanente's public record makes Constitutional Spirit relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Constitutional Spirit Verified Medium confidence Human-reviewed May 12, 2026

Kaiser Permanente integrated-care modelOfficial self-description · 68%

12Kaiser Permanente's public record makes Good Deal relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Good Deal Verified Medium confidence Human-reviewed May 12, 2026

Kaiser Permanente integrated-care modelOfficial self-description · 68%

13Kaiser Permanente's public record makes Policy Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Policy Capture Verified Medium confidence Human-reviewed May 12, 2026

Kaiser Permanente integrated-care modelOfficial self-description · 68%

14Kaiser Permanente's public record makes Subscription Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Subscription Capture Verified Medium confidence Human-reviewed May 12, 2026

Kaiser Permanente integrated-care modelOfficial self-description · 68%

15Kaiser Permanente's public record makes Accountability Opacity relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Accountability Opacity Verified Medium confidence Human-reviewed May 12, 2026

Kaiser Permanente integrated-care modelOfficial self-description · 68%

16Kaiser Permanente's public record makes Surveillance Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Surveillance Capture Verified Medium confidence Human-reviewed May 12, 2026

Kaiser Permanente integrated-care modelOfficial self-description · 68%

17Kaiser Permanente's public record makes Ideological Disavowal relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Ideological Disavowal Verified Medium confidence Human-reviewed May 12, 2026

Kaiser Permanente integrated-care modelOfficial self-description · 68%

Alternatives

Competitors

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