Founded in 1945, Kaiser Permanente is one of the nation's largest not-for-profit health plans, serving 12.2 million members in eight states and the District of Columbia. Headed since 2013 by Bernard Tyson, Kaiser provides care as well as coverage, through its network of hospitals and its physician-led medical groups. To address the problem of long wait-times at medical offices, Kaiser has invested heavily in technology for patients to schedule virtual office visits. While other physician groups have hesitated to embrace a novel technology, Kaiser Permanente views it as a means to reduce the cost and improve the quality of care. Consistently ranked high for patient care and cost of coverage, Kaiser announced in May 2018 an initiative to tackle deep-seated problems that impact the health of members and the vitality of their communities: a $200 million impact investment in the organization's Thriving Communities Fund, to address housing stability and homelessness. The fund aims to deliver not only a measurable social benefit but, ultimately, a financial return, in the form of lower medical and social service costs for people affected by housing problems. One of its first initiatives includes investing in affordable housing units and related social services for at-risk individuals. In addition, Kaiser Permanente activated a $100 million dollar loan pool from the Thriving Communities Fund to develop and preserve multifamily rental homes for low-income families throughout the organization's service areas. It also initiated a major effort to end homelessness for more than 500 residents of Oakland, California who are over the age of 50 and living with at least one chronic condition.