2017 Health Premium Rates»

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2018 Health Premium Rates

The CAPS MOU requires the state to pay 80% of the weighted average of the four largest health plans offered to state scientists by CalPERS. The chart below lists the health plan choices, state’s contribution and out of pocket expenses for each.

CalPERS members (that means YOU) must pay the difference between the state’s contribution amount and the premium for the health plan in which you are enrolled. Health plan premiums vary depending on the configuration of the plan. CalPERS annually negotiates with health plan providers over plan design and premiums.

Details on benefit changes to individual plans will come directly from CalPERS to individual members, or go to the CalPERS website. Open enrollment is held in the Fall, when current members can also elect to change plans. Any such changes would be effective January 1. Open enrollment in the state’s FlexElect program (administered by CalHR) is held at the same time.

You may be able to reduce your taxable income by estimating your medical expenses and setting aside out-of-pocket expenses pre-tax via the state’s Medical Reimbursement Program.  This benefit is outlined in the CAPS MOU, Section 5.8 Pre-Tax of Health/Dental/Vision Premiums. It says, in relevant part “employees who are enrolled in any health, dental and/or vision plan which requires a portion of the premium to be paid by the employee will automatically have their out-of-pocket premium cost taken out of their paycheck before federal, state and Social Security taxes are deducted. Employees who choose not to have their out-of-pocket cost pre-tax must make an election not to participate in this program.”

In other words, out-of-pocket costs for health plan premiums are automatically deducted pre-tax, but there is an opportunity to set aside additional pre-tax funds for other anticipated qualified medical expenses. Get more information on the CalHR website.

STATE CONTRIBUTION SINGLETWO-PARTYFAMILY
20185791,1581,504
20175591,1251,462
PLANSINGLETWO-PARTYFAMILY
ANTHEM HMO SELECT 
 PremiumSingleTwo-PartyFamily
201879715932072
201774014801925
Out-of-Pocket Cost
2018218435568
2017181355463
ANTHEM HMO TRADITIONAL  
 PremiumSingleTwo-PartyFamily
20188411,6832,187
20178731,7462,270
Out-of-Pocket Cost
2018262525683
2017314621808
BLUE SHIELD ACCESS + HMO  
 PremiumSingleTwo-PartyFamily
20187521,5051,956
201783016612159
Out-of-Pocket Cost
2018173347452
2017271536697
KAISER CA 
 Premium  SingleTwo-PartyFamily
20187171,4351,865
201766313261724
Out-of-Pocket Cost
2018138277361
2017104201262
KAISER Out of State 
Premium  SingleTwo-PartyFamily
20189571,9142,488
201794118812446
Out-of-Pocket Employee Cost
2018378756984
2017382756984
HEALTH NET SALUD Y MÁS  
 PremiumSingleTwo-PartyFamily
20184729431,226
20174759511236
Out-of-Pocket Cost
2018000
2017000
PLANSINGLETWO-PARTYFAMILY
HEALTH NET SMARTCARE  
 PremiumSingleTwo-PartyFamily
20187911,5812,056
201769313861802
Out-of-Pocket Cost
2018212423552
2017134261340
SHARP  
 PremiumSingleTwo-PartyFamily
20186251,2491,624
201761612331603
Out-of-Pocket Cost
20184691120
201757108141
UNITED HEALTHCARE  
PremiumSingleTwo-PartyFamily
20187051,4091,832
201768613721784
Out-of-Pocket Cost
2018126251328
2017127247322
PERS Select  
 PremiumSingleTwo-PartyFamily
20186611,3231,719
201767313471750
Out-of-Pocket Employee Cost
201882165215
2017114222288
PERSChoice
 PremiumSingleTwo-PartyFamily
20187241,4481,883
201774114821926
Out-of-Pocket Employee Cost
2018145290379
2017182357464
PERSCare  
 Premium  SingleTwo-PartyFamily
20187761,552,018
201782616532149
Out-of-Pocket Employee Cost
2018197394514
2017267528687
Western Health Advantage  
 Premium  SingleTwo-PartyFamily
20187201,4411,873
Out-of-Pocket Employee Cost
2018141283369