You and your employer share in the cost of your medical and dental coverages. Consult your HR office to confirm your agency’s payroll schedule. How much you pay depends on which plan you choose, how many family members are enrolled, and how many hours per week you work.
FY 2025/26 Premium PDFs
FY2026 Monthly Rates for Full-Time Employees (30-40 hours per week)
| Coverage Tier | PPO | Traditional | High Deductible | Dental |
|---|---|---|---|---|
| Employee Only | $70.74 | $108.00 | $0.00 | $12.08 |
| E + Spouse | $215.04 | $334.80 | $52.16 | $38.72 |
| E + Child | $121.88 | $186.22 | $18.00 | $37.56 |
| E + Children | $192.64 | $299.62 | $44.08 | $74.76 |
| E + Spouse + Child | $263.54 | $411.08 | $69.72 | $64.18 |
| E + Spouse + Children | $353.10 | $551.80 | $102.10 | $109.40 |
FY2026 Monthly Medical/Dental Rates for Part-Time Employees (20-29.9 hours per week)
| Coverage Tier | PPO | Traditional | High Deductible | Dental |
|---|---|---|---|---|
| Employee Only | $163.52 | $249.68 | $36.50 | $13.78 |
| E + Spouse | $497.12 | $773.98 | $157.06 | $44.16 |
| E + Child | $281.74 | $430.48 | $78.12 | $42.84 |
| E + Children | $445.32 | $692.62 | $138.40 | $85.28 |
| E + Spouse + Child | $609.22 | $950.30 | $197.66 | $73.22 |
| E + Spouse + Children | $816.26 | $1275.58 | $272.52 | $124.80 |
Deductibles
You and your family members will pay all the costs for most services up to the amount of the deductible before the plan pays. Some services may be covered prior to meeting the deductible, but require a copayment or coinsurance. Refer to the Summary of Benefits & Coverage (SBC) and Plan Documents on the Medical page for more details. For Dental deductibles, refer to the Dental page.
FY25 & FY26 Medical Plan Comparison & Plan Contracts
| Feature Name | PPO In-Network | PPO Out-of-Network | Traditional | High Deductible |
|---|---|---|---|---|
| Deductible - Individual | $350 | $600 | $500 | $2000 |
| Deductible - Family | $950 | $1,700 | $1,400 | $4,000 |
| Out-of-Pocket Limit - Individual | $3,250 | $6,500 | $4,350 | In Network: $5,000 Out-of-Network: $6,500 |
| Out-of-Pocket Limit -Family | $6,750 | $13,500 | $8,700 | In Network: $10,000 Out-of-Network: $13,000 |
| Plan Payment (% of allowable charges after deductible) | $20 copay, $40 Specialist copay / 80% | 60% | 70% | In Network: 80% Out-of-Network: 60% |
| Wellness/Preventive Care | No copay for listed services | 60% | 100% | In Network: 100% Out-of-Network: 50% after deductible |
Are your premiums deducted pre-tax or post-tax?
When enrolling in the medical/dental plan, most agencies who participate in the state health plan, have the option to select premiums deductions on a pre-tax or post-tax basis. These plans are also referred to as a Premium-Only Plans (POP). Pre-Tax premiums would be deducted before federal, state, or Social Security/Medicare taxes are withheld, which would also lower your taxable income. Post-tax premiums would be deducted after the aforementioned taxes are deducted. Check with your HR office to see if your agency allows for these options.
After initial enrollment, you may change your POP election only during the annual Open Enrollment period.