In my area on the individual exchange they were one of two providers available with the other being a for profit insurance company. At every level of plan the f

In my area on the individual exchange they were one of two providers available with the other being a for profit insurance company. At every level of plan the for profit had cheaper premiums, co-pays and lower deductibles. At least in my area Kaiser also likes to centralize certain specialties at a single one of their health clinics. For instance mental health providers are only available in one location. I live in a large metro area with severe traffic issues. The clinic mental health services are provided out of may be the worse location for the majority of the service area to reach. For me an appointment would have involved a 45 minute to hour drive each way. A couple of years ago Kaiser decided not to renew their contract with the non-profit hospital system which dominates this area and instead signed a contract with a for profit hospital system. This means there is a single hospital within a reasonable drive of me which I would be able to utilize. Even then there are 3 hospitals in the non-profit system which are closer or equal distance. It gets worse if for some reason I would have had to use the next closest hospital Kaiser will cover. There are 5 hospitals in the non-profit system that would be closer. Also the non-profit system is nationally recognized as the top or a top 5 care provider for several specialties. The for profit is not. I have no love for Aetna, Cigna, United Health, Anthem or any of the other large health insurance companies, but Kaiser also doesn't seem to be the model to follow.