A vast majority of mobile phone owners throughout all over the United States may be eligible to be compensated under the $10.5 million settlement in a class action that involves Kaiser Foundation Health Plan Inc. The settlement is aimed at addressing allegations that Kaiser continued to send marketing or informational texts to customers despite the fact that they had explicitly turned off the messages by simply saying “STOP” and similar instructions.
In a time when text message communications are strictly regulated by Federal and State consumer laws, the case illustrates the need for greater scrutiny over how big companies deal with requests to opt out. If the court approves those who qualify could receive up to $75 per eligible text message, based on the number of valid claims that are submitted. The deadline for filing claims is February 12, 2026. That’s why it crucial for those affected to respond in time.
What is the significance of this settlement for Consumers
Text messages are regarded as a personal and direct method of communication. Due to this, U.S. law places strict limitations on when and how companies can communicate with consumers via SMS. If a person chooses to not receive further messages, it could violate the laws protecting consumers even in the case that the messages are intended to be informative instead of promotional.
This settlement is a sign of a larger trend of companies finding themselves accountable to consumers for their automated communications, particularly when opt-out instructions are not followed or are delayed. Although Kaiser does not deny any wrongdoing, settling the settlement will allow both parties to avoid lengthy lawsuits and gives consumers compensation for the alleged violation.
$75 Per Text Settlement Overview
| Detail | Information |
| Settlement Name | Kaiser Text Messaging Settlement |
| Companies Its Involvement | Kaiser Foundation Health Plan Inc. |
| Total Settlement Fund | $10.5 million |
| Allusions to Violations | TCPA & Florida Telephone Solicitation Act |
| Eligible Period | January 21, 2021 – August 20 2025 |
| The amount of payment | A maximum of $75 for text messages |
| Claim Deadline | February 12 2026 |
| Final Approval Hearing | January 28 2026 |
| Documentation Required | No |
| Payment Method | Electronic or check-pay |
| Official Claim Site | Notices from the court |
| Official Website | https://healthy.kaiserpermanente.org/ |
What laws are involved in this case?
The suit is based upon alleged violations of
Telephone Consumer Protection Act (TCPA)
- A federal law that regulates automated text messages and calls
- Companies must honor requests to opt-out immediately.
- Let’s consumers claim damages under the law for violations
Florida Telephone Solicitation Act (FTSA)
- This applies specifically to Florida residents
- It also includes a stricter timeframe to honor requests for opt-outs
- Increased penalties are permitted under certain conditions
Inclusion of a specific Florida subclass illustrates how state law can offer additional protections for consumers above federal regulations.
Who Can File a Claim?
You could be eligible if:
- You have received multiple text messages from Kaiser
- You have previously responded “STOP,” “UNSUBSCRIBE,” or another similar opt-out request
- These messages came in between the 21st of January, 2021 until August 20, 2025.
Florida Residents
Alongside the previous, Florida claimants must show:
- At least 15 calendar days have were passed between opting-out and receiving any additional messages.
One of the benefits for customers is that no proof is required. There is no need for photographs, phone bills or text logs to submit claims.
How Much Are You Going to Pay to Get?
The settlement permits up to $75 per text message. However, the final payouts will depend on the total amount of valid claims.
| Claim Volume | Most likely to pay out |
| Low | Near the top ($75 for a text) |
| Moderate | Amount reduced, in proportion to the amount |
| High | Lower per-text payout |
This arrangement ensures that the settlement funds are equally distributed among all claimants eligible for it.
What time and how will payments Be Submitted?
The payment will be made following final court approval and is expected to be granted on January 28th 2026.
After approval:
- Payments can be made by check or electronically transferred
- The distribution process typically starts a few weeks or one or two months following the approval
- Claimants do not have to take further action following the filing
How to file a Claim (Step-by-Step)
The process of filing a claim is simple and easy.
- Visit the official website for settlement (listed as a court-approved note)
- Complete the claim form by:
- Contact details and your name
- The number that was the recipient of the messages.
- Fill out your form via the web (or via post in the event that it is provided)
Claims made on or after February 12 2026 will be rejected.
What if you ignore the Settlement?
If you are not doing anything:
- You won’t receive any compensation.
- You are legally bound under the agreement once the settlement is approved
- You forfeit your chance to gain from this situation
Making a claim does not necessitate admitting to harm and will not impact the relationship you have to Kaiser as a health care provider.
Scam Warnings: What to Look for
During settlement time the scammers usually take advantage of customers.
Some red flags include:
- Texts or calls inquiring for Social Security numbers
- Payment requests for “release” you of your funds for settlement
- Unofficial links in emails
Always visit the official settlement website, and never divulge sensitive personal information.
Related Consumer Settlements You Should Know About
Rocky Mountain Gastroenterology Data Breach Settlement
- Protects against a data breach that occurred in 2024
- Up to $1,000 in offers
- The court requires proof of loss in financial terms
- Separate claim procedure
This illustrates how the settlements of consumers vary according to what is the nature of violation.
Why Class Action Settlements Matter
Class actions permit ordinary consumers to pursue accountability without the need for lawyers or appearing in the court on their own. They are often employed in situations involving:
- Privacy violation
- Unwanted messages
- Data security breaches
- False advertisement
Settlements usually resolve disputes efficiently and offer compensation to the people who are affected.
Kaiser’s Kaiser 75 per-text settlement provides an opportunity for those who have received unwanted text messages after having opted out. There is no evidence required and a straightforward claim procedure, those who are eligible are encouraged to file their claims prior to the February 12th 2026 deadline.
As the use of digital technology continues to grow, instances like this highlight how important it is to protect consumer rights and the obligation of companies to protect them.
FAQ’s
1. Do I need to be a current Kaiser member to file a claim?
No. The eligibility criteria is solely based on receiving text messages that meet the criteria and not on current membership status.
2. Will filing a claim affect my healthcare coverage?
No. The filing of a claim will not have an impact on your insurance benefits, or your relationship with Kaiser.
3. How do I determine when my claim has been accepted?
All claims approved by the court are processed electronically following the final court approval by the court. Payments will be processed by the method you have selected in your claim form.
