PPUG Rates: Fiscal Year (FY) 2025-2026
Note: Provided below is guidance intended for State departmental and program use only. To view more guidance and policy information, please visit the Central Payroll Services page.
Glossary of Terms
- CPPS: Central Payroll Processing System
- GTN: Gross-to-net
- Empl: Employee
- HDHP: High Deductible Health Plan
- NTD: Non-taxable dependent
- AD&D: Accidental Death & Dismemberment
- STD: Short-term disability
- LTD: Long-term disability
FY2026 - State Of Colorado Monthly Rates / CPPS GTNs And Option Codes
Cigna HDHP
Plan/Category | GTN (After-Tax) | GTN (Pre-Tax) | Employee Only | Empl + Spouse | Empl + Child(ren) | Empl + Spouse + Child(ren) |
|---|---|---|---|---|---|---|
| Employee Share | 201 | 202 | $33.00 | $181.46 | $71.74 | $289.00 |
| State Contribution | No Value | 203 | $901.00 | $1,641.98 | $1,598.90 | $2,269.16 |
| Total Rate | No Value | No Value | $934.00 | $1,823.44 | $1,670.64 | $2,558.16 |
Cigna Copay Plus
Plan/Category | GTN (After-Tax) | GTN (Pre-Tax) | Employee Only | Empl + Spouse | Empl + Child(ren) | Empl + Spouse + Child(ren) |
|---|---|---|---|---|---|---|
| Employee Share | 210 | 211 | $107.50 | $337.06 | $187.82 | $511.78 |
| State Contribution | No Value | 212 | $875.54 | $1,646.40 | $1,623.78 | $2,298.06 |
| Total Rate | No Value | No Value | $983.04 | $1,983.46 | $1,811.60 | $2,809.84 |
Cigna Copay Basic
Plan/Category | GTN (After-Tax) | GTN (Pre-Tax) | Employee Only | Empl + Spouse | Empl + Child(ren) | Empl + Spouse + Child(ren) |
|---|---|---|---|---|---|---|
| Employee Share | 213 | 214 | $47.00 | $223.68 | $84.96 | $315.12 |
| State Contribution | No value | 215 | $896.68 | $1,680.38 | $1,654.12 | $2,382.24 |
| Total Rate | No value | No value | $943.68 | $1,904.06 | $1,739.08 | $2,697.36 |
Kaiser HDHP
Plan/Category | GTN (After-Tax) | GTN (Pre-Tax) | Employee Only | Empl + Spouse | Empl + Child(ren) | Empl + Spouse + Child(ren) |
|---|---|---|---|---|---|---|
| Employee Share | 216 | 217 | $32.82 | $183.38 | $64.48 | $232.80 |
| State Contribution | No value | 218 | $710.58 | $1,311.68 | $1,294.42 | $1,877.70 |
| Total Rate | No value | No value | $743.40 | $1,495.06 | $1,358.90 | $2,110.50 |
Kaiser Copay Plus
Plan/Category | GTN (After-Tax) | GTN (Pre-Tax) | Employee Only | Empl + Spouse | Empl + Child(ren) | Empl + Spouse + Child(ren) |
|---|---|---|---|---|---|---|
| Employee Share | 219 | 220 | $65.82 | $285.80 | $139.56 | $455.62 |
| State Contribution | No value | 221 | $765.20 | $1,457.22 | $1,437.22 | $2,034.66 |
| Total Rate | No value | No value | $831.02 | $1,743.02 | $1,576.78 | $2,490.28 |
Kaiser Copay Basic
Plan/Category | GTN (After-Tax) | GTN (Pre-Tax) | Employee Only | Empl + Spouse | Empl + Child(ren) | Empl + Spouse + Child(ren) |
|---|---|---|---|---|---|---|
| Employee Share | 222 | 223 | $43.70 | $203.20 | $81.88 | $334.04 |
| State Contribution | No value | 224 | $742.66 | $1,446.16 | $1,410.16 | $2,022.42 |
| Total Rate | No value | No value | $786.36 | $1,649.36 | $1,492.04 | $2,356.46 |
EyeMed Vision - Basic
Plan/Category | GTN (After-Tax) | GTN (Pre-Tax) | Employee Only | Empl + Spouse | Empl + Child(ren) | Empl + Spouse + Child(ren) |
|---|---|---|---|---|---|---|
| Employee Share | 228 | 229 | $0.00 | $0.00 | $0.00 | $0.00 |
| State Contribution | No value | 230 | $2.90 | $5.52 | $5.82 | $8.54 |
| Total Rate | No value | No value | $2.90 | $5.52 | $5.82 | $8.54 |
EyeMed Vision - Enhanced
Plan/Category | GTN (After-Tax) | GTN (Pre-Tax) | Employee Only | Empl + Spouse | Empl + Child(ren) | Empl + Spouse + Child(ren) |
|---|---|---|---|---|---|---|
| Employee Share | 228 | 229 | $4.40 | $8.36 | $8.80 | $12.92 |
| State Contribution | No value | 230 | $2.90 | $5.52 | $5.82 | $8.56 |
| Total Rate | No value | No value | $7.30 | $13.88 | $14.62 | $21.48 |
Delta Dental - Basic
Plan/Category | GTN (After-Tax) | GTN (Pre-Tax) | Employee Only | Empl + Spouse | Empl + Child(ren) | Empl + Spouse + Child(ren) |
|---|---|---|---|---|---|---|
| Employee Share | 237 | 238 | $4.66 | $17.14 | $16.04 | $29.44 |
| State Contribution | No value | 239 | $33.96 | $55.42 | $60.10 | $80.62 |
| Total Rate | No value | No value | $38.62 | $72.56 | $76.14 | $110.06 |
Delta Dental - Basic Plus
Plan/Category | GTN (After-Tax) | GTN (Pre-Tax) | Employee Only | Empl + Spouse | Empl + Child(ren) | Empl + Spouse + Child(ren) |
|---|---|---|---|---|---|---|
| Employee Share | 237 | 238 | $11.20 | $30.48 | $29.92 | $50.20 |
| State Contribution | No value | 239 | $38.40 | $63.48 | $68.72 | $92.80 |
| Total Rate | No value | No value | $49.60 | $93.96 | $98.64 | $143.00 |
Other Benefits Information
- Basic Life: GTN 244 - $8.96
- STD: GTN 246
- 0.07% Of Eligible Gross Pay
- LTD: GTN 245
- Employee Optional Life: GTN 241
- Spouse Optional Life: GTN 242
- Dependent Optional Life: GTN 243
- Flexible Spending Accounts:
- Health: GTN 247 - Limit $3300.00
- Dependent: GTN 248 - Limit $5000.00
- Limited (Ltd) Purpose: GTN 251 - Limit $3300.00
FY2026 - Imputed Income Rates for Civil Unions
Cigna HDHP
| Plan/Category | GTN & Tax Election | EE + C. Union T2/P2 | EE + C. Union's Child(ren) T3/P3 | EE + C. Union + EE's Child(ren) T4/P4 | EE + C. Union + C. Union's Child(ren) T4/P4 |
|---|---|---|---|---|---|
| NTD Amount | 201: After-Tax | $740.98 | $697.90 | $740.98 | $1,368.16 |
| NTD Amount | 202: Pre-Tax | $889.44 | $736.64 | $889.44 | $1,624.16 |
Cigna Copay Plus
| Plan/Category | GTN & Tax Election | EE + C. Union T2/P2 | EE + C. Union's Child(ren) T3/P3 | EE + C. Union + EE's Child(ren) T4/P4 | EE + C. Union + C. Union's Child(ren) T4/P4 |
|---|---|---|---|---|---|
| NTD Amount | 210: After-Tax | $770.86 | $748.24 | $770.86 | $1,422.52 |
| NTD Amount | 211: Pre-Tax | $1,000.42 | $828.56 | $1,000.42 | $1,826.80 |
Cigna Copay Basic
| Plan/Category | GTN & Tax Election | EE + C. Union T2/P2 | EE + C. Union's Child(ren) T3/P3 | EE + C. Union + EE's Child(ren) T4/P4 | EE + C. Union + C. Union's Child(ren) T4/P4 |
|---|---|---|---|---|---|
| NTD Amount | 213: After-Tax | $783.70 | $757.44 | $783.70 | $1,485.56 |
| NTD Amount | 214: Pre-Tax | $960.38 | $795.40 | $960.38 | $1,753.68 |
Kaiser HDHP
| Plan/Category | GTN & Tax Election | EE + C. Union T2/P2 | EE + C. Union's Child(ren) T3/P3 | EE + C. Union + EE's Child(ren) T4/P4 | EE + C. Union + C. Union's Child(ren) T4/P4 |
|---|---|---|---|---|---|
| NTD Amount | 216: After-Tax | $601.10 | $583.84 | $601.10 | $1,167.12 |
| NTD Amount | 217: Pre-Tax | $751.66 | $615.50 | $751.66 | $1,367.10 |
Kaiser Copay Plus
| Plan/Category | GTN & Tax Election | EE + C. Union T2/P2 | EE + C. Union's Child(ren) T3/P3 | EE + C. Union + EE's Child(ren) T4/P4 | EE + C. Union + C. Union's Child(ren) T4/P4 |
|---|---|---|---|---|---|
| NTD Amount | 219: After-Tax | $692.02 | $672.02 | $692.02 | $1,269.46 |
| NTD Amount | 220: Pre-Tax | $912.00 | $745.76 | $912.00 | $1,659.26 |
Kaiser Copay Basic
| Plan/Category | GTN & Tax Election | EE + C. Union T2/P2 | EE + C. Union's Child(ren) T3/P3 | EE + C. Union + EE's Child(ren) T4/P4 | EE + C. Union + C. Union's Child(ren) T4/P4 |
|---|---|---|---|---|---|
| NTD Amount | 222: After-Tax | $703.50 | $667.50 | $703.50 | $1,279.76 |
| NTD Amount | 223: Pre-Tax | $863.00 | $705.68 | $863.00 | $1,570.10 |
EyeMed Vision - Basic
| Plan/Category | GTN & Tax Election | EE + C. Union T2/P2 | EE + C. Union's Child(ren) T3/P3 | EE + C. Union + EE's Child(ren) T4/P4 | EE + C. Union + C. Union's Child(ren) T4/P4 |
|---|---|---|---|---|---|
| NTD Amount | 228: After-Tax | $2.62 | $2.92 | $2.62 | $5.64 |
| NTD Amount | 229: Pre-Tax | $2.62 | $2.92 | $2.62 | $5.64 |
EyeMed Vision - Enhanced
| Plan/Category | GTN & Tax Election | EE + C. Union T2/P2 | EE + C. Union's Child(ren) T3/P3 | EE + C. Union + EE's Child(ren) T4/P4 | EE + C. Union + C. Union's Child(ren) T4/P4 |
|---|---|---|---|---|---|
| NTD Amount | 228: After-Tax | $2.62 | $2.92 | $2.62 | $5.66 |
| NTD Amount | 229: Pre-Tax | $6.58 | $7.32 | $6.58 | $14.18 |
Delta Dental - Basic
| Plan/Category | GTN & Tax Election | EE + C. Union T2/P2 | EE + C. Union's Child(ren) T3/P3 | EE + C. Union + EE's Child(ren) T4/P4 | EE + C. Union + C. Union's Child(ren) T4/P4 |
|---|---|---|---|---|---|
| NTD Amount | 237: After-Tax | $12.48 | $11.38 | $12.48 | $24.78 |
| NTD Amount | 238: Pre-Tax | $21.46 | $26.14 | $21.46 | $46.66 |
Delta Dental - Basic Plus
| Plan/Category | GTN & Tax Election | EE + C. Union T2/P2 | EE + C. Union's Child(ren) T3/P3 | EE + C. Union + EE's Child(ren) T4/P4 | EE + C. Union + C. Union's Child(ren) T4/P4 |
|---|---|---|---|---|---|
| NTD Amount | 237: After-Tax | $19.28 | $18.72 | $19.28 | $39.00 |
| NTD Amount | 238: Pre-Tax | $25.08 | $30.32 | $25.08 | $54.40 |
Important Notes on Imputed Income
- For after-tax elections, the taxable amount is the difference of the state shares.
- For pre-tax elections, the taxable amount is the difference of the total rates.
- The NTD (Non-Tax Dependent) amount for employees with pre-tax deductions is higher because the employee should not receive a tax benefit for covering a non-tax dependent. The higher NTD amount removes the tax benefit the employee derives from their pre-tax payroll deduction.
- The NTD amount should only be entered for the plan(s) that the non-tax dependent has coverage for (e.g., do not enter NTD for dental if the non-tax dependent only has medical). If the non-tax dependent has coverage for both medical and dental plans, then the amounts should be added together.
FY2026 - Health and Wellness Rates
Wellness Program Participation: Employees who participate in the wellness program are eligible to receive a $20/month premium reduction.
Cigna HDHP
| Plan/Category | GTN (After-Tax) | GTN (Pre-Tax) | Employee Only TW1/PW1 | Empl + Spouse TW2/PW2 | Empl + Child(ren) TW3/PW3 | Empl + Spouse + Child(ren TW4/PW4) |
|---|---|---|---|---|---|---|
| Employee Share | 201 (After-Tax) | 202 (Pre-Tax) | $13.00 | $161.46 | $51.74 | $269.00 |
| State Contribution | No value | 203 | $901.00 | $1,641.98 | $1,598.90 | $2,269.16 |
Cigna Copay Plus
| Plan/Category | GTN (After-Tax) | GTN (Pre-Tax) | Employee Only TW1/PW1 | Empl + Spouse TW2/PW2 | Empl + Child(ren) TW3/PW3 | Empl + Spouse + Child(ren TW4/PW4) |
|---|---|---|---|---|---|---|
| Employee Share | 210 (After-Tax) | 211 (Pre-Tax) | $87.50 | $317.06 | $167.82 | $491.78 |
| State Contribution | No value | 212 | $875.54 | $1,646.40 | $1,623.78 | $2,298.06 |
Cigna Copay Basic
| Plan/Category | GTN (After-Tax) | GTN (Pre-Tax) | Employee Only TW1/PW1 | Empl + Spouse TW2/PW2 | Empl + Child(ren) TW3/PW3 | Empl + Spouse + Child(ren TW4/PW4) |
|---|---|---|---|---|---|---|
| Employee Share | 213 (After-Tax) | 214 (Pre-Tax) | $27.00 | $203.68 | $64.96 | $295.12 |
| State Contribution | No value | 215 | $896.68 | $1,680.38 | $1,654.12 | $2,382.24 |
Kaiser HDHP
| Plan/Category | GTN (After-Tax) | GTN (Pre-Tax) | Employee Only TW1/PW1 | Empl + Spouse TW2/PW2 | Empl + Child(ren) TW3/PW3 | Empl + Spouse + Child(ren TW4/PW4) |
|---|---|---|---|---|---|---|
| Employee Share | 216 (After-Tax) | 217 (Pre-Tax) | $12.82 | $163.38 | $44.48 | $212.80 |
| State Contribution | No value | 218 | $710.58 | $1,311.68 | $1,294.42 | $1,877.70 |
Kaiser Copay Plus
| Plan/Category | GTN (After-Tax) | GTN (Pre-Tax) | Employee Only TW1/PW1 | Empl + Spouse TW2/PW2 | Empl + Child(ren) TW3/PW3 | Empl + Spouse + Child(ren TW4/PW4) |
|---|---|---|---|---|---|---|
| Employee Share | 219 (After-Tax) | 220 (Pre-Tax) | $45.82 | $265.80 | $119.56 | $435.62 |
| State Contribution | No value | 221 | $765.20 | $1,457.22 | $1,437.22 | $2,034.66 |
Kaiser Copay Basic
| Plan/Category | GTN (After-Tax) | GTN (Pre-Tax) | Employee Only TW1/PW1 | Empl + Spouse TW2/PW2 | Empl + Child(ren) TW3/PW3 | Empl + Spouse + Child(ren TW4/PW4) |
|---|---|---|---|---|---|---|
| Employee Share | 222 (After-Tax) | 223 (Pre-Tax) | $23.70 | $183.20 | $61.88 | $314.04 |
| State Contribution | No value | 224 | $742.66 | $1,446.16 | $1,410.16 | $2,022.42 |
FY2026 - Subsidy Rates (Group A)
Cigna HDHP
| Plan/Category | GTN (After-Tax) | GTN (Pre-Tax) | Empl + Child(ren) (T3T/P3T) | Empl + Spouse + Child(ren) (T4T/P4T) |
|---|---|---|---|---|
| Employee Share | 201 | 202 | $ -No value | $ -No value |
| Subsidy Amount | No value | No value | $71.74 | $289.00 |
| State Contribution | 203 | No value | $1,598.90 | $2,269.16 |
| Total Rate | No value | No value | $1,670.64 | $2,558.16 |
Cigna Copay Plus
| Plan/Category | GTN (After-Tax) | GTN (Pre-Tax) | Empl + Child(ren) (T3T/P3T) | Empl + Spouse + Child(ren) (T4T/P4T) |
|---|---|---|---|---|
| Employee Share | 210 | 211 | $ -No value | $ -No value |
| Subsidy Amount | No value | No value | $187.82 | $511.78 |
| State Contribution | 212 | No value | $1,623.78 | $2,298.06 |
| Total Rate | No value | No value | $1,811.60 | $2,809.84 |
Cigna Copay Basic
| Plan/Category | GTN (After-Tax) | GTN (Pre-Tax) | Empl + Child(ren) (T3T/P3T) | Empl + Spouse + Child(ren) (T4T/P4T) |
|---|---|---|---|---|
| Employee Share | 213 | 214 | $ -No value | $ -No value |
| Subsidy Amount | No value | No value | $84.96 | $315.12 |
| State Contribution | 215 | No value | $1,654.12 | $2,382.24 |
| Total Rate | No value | No value | $1,739.08 | $2,697.36 |
Kaiser HDHP
| Plan/Category | GTN (After-Tax) | GTN (Pre-Tax) | Empl + Child(ren) (T3T/P3T) | Empl + Spouse + Child(ren) (T4T/P4T) |
|---|---|---|---|---|
| Employee Share | 216 | 217 | $ - No value | $ -No value |
| Subsidy Amount | No value | No value | $64.48 | $232.80 |
| State Contribution | 218 | No value | $1,294.42 | $1,877.70 |
| Total Rate | No value | No value | $1,358.90 | $2,110.50 |
Kaiser Copay Plus
| Plan/Category | GTN (After-Tax) | GTN (Pre-Tax) | Empl + Child(ren) (T3T/P3T) | Empl + Spouse + Child(ren) (T4T/P4T) |
|---|---|---|---|---|
| Employee Share | 219 | 220 | $ -No value | $ -No value |
| Subsidy Amount | No value | No value | $139.56 | $455.62 |
| State Contribution | 221 | No value | $1,437.22 | $2,034.66 |
| Total Rate | No value | No value | $1,576.78 | $2,490.28 |
Kaiser Copay Basic
| Plan/Category | GTN (After-Tax) | GTN (Pre-Tax) | Empl + Child(ren) (T3T/P3T) | Empl + Spouse + Child(ren) (T4T/P4T) |
|---|---|---|---|---|
| Employee Share | 222 | 223 | $ -No value | $ -No value |
| Subsidy Amount | No value | No value | $81.88 | $334.04 |
| State Contribution | 224 | No value | $1,410.16 | $2,022.42 |
| Total Rate | No value | No value | $1,492.04 | $2,356.46 |
Delta Dental - Basic
| Plan/Category | GTN (After-Tax) | GTN (Pre-Tax) | Empl + Child(ren) (T5B/P5B) | Empl + Spouse + Child(ren) (T6B/P6B) |
|---|---|---|---|---|
| Employee Share | 237 | 238 | $ -No value | $ -No value |
| Subsidy Amount | No value | No value | $16.04 | $29.44 |
| State Contribution | 239 | No value | $60.10 | $80.62 |
| Total Rate | No value | No value | $76.14 | $110.06 |
Delta Dental - Basic Plus
| Plan/Category | GTN (After-Tax) | GTN (Pre-Tax) | Empl + Child(ren) (T5B/P5B) | Empl + Spouse + Child(ren) (T6B/P6B) |
|---|---|---|---|---|
| Employee Share | 237 | 238 | $ -No value | $ -No value |
| Subsidy Amount | No value | No value | $29.92 | $50.20 |
| State Contribution | 239 | No value | $68.72 | $92.80 |
| Total Rate | No value | No value | $98.64 | $143.00 |
FY2026 - COBRA Rates
Cigna HDHP
| Plan/Category | Employee Only (T1/P1) | Empl + Spouse (T2/P2) | Empl + Child(ren) (T3/P3) | Empl + Spouse + Child(ren) (T4/P4) |
|---|---|---|---|---|
| Administrative Cost | $18.68 | $36.47 | $33.41 | $51.16 |
| Premium | $934.00 | $1,823.44 | $1,670.64 | $2,558.16 |
| Total Rate | $952.68 | $1,859.91 | $1,704.05 | $2,609.32 |
Cigna Copay Plus
| Plan/Category | Employee Only (T1/P1) | Empl + Spouse (T2/P2) | Empl + Child(ren) (T3/P3) | Empl + Spouse + Child(ren) (T4/P4) |
|---|---|---|---|---|
| Administrative Cost | $19.66 | $39.67 | $36.23 | $56.20 |
| Premium | $983.04 | $1,983.46 | $1,811.60 | $2,809.84 |
| Total Rate | $1,002.70 | $2,023.13 | $1,847.83 | $2,866.04 |
Cigna Copay Basic
| Plan/Category | Employee Only (T1/P1) | Empl + Spouse (T2/P2) | Empl + Child(ren) (T3/P3) | Empl + Spouse + Child(ren) (T4/P4) |
|---|---|---|---|---|
| Administrative Cost | $18.87 | $38.08 | $34.78 | $53.95 |
| Premium | $943.68 | $1,904.06 | $1,739.08 | $2,697.36 |
| Total Rate | $962.55 | $1,942.14 | $1,773.86 | $2,751.31 |
Kaiser HDHP
| Plan/Category | Employee Only (T1/P1) | Empl + Spouse (T2/P2) | Empl + Child(ren) (T3/P3) | Empl + Spouse + Child(ren) (T4/P4) |
|---|---|---|---|---|
| Administrative Cost | $14.87 | $29.90 | $27.18 | $42.21 |
| Premium | $743.40 | $1,495.06 | $1,358.90 | $2,110.50 |
| Total Rate | $758.27 | $1,524.96 | $1,386.08 | $2,152.71 |
Kaiser Copay Plus
| Plan/Category | Employee Only (T1/P1) | Empl + Spouse (T2/P2) | Empl + Child(ren) (T3/P3) | Empl + Spouse + Child(ren) (T4/P4) |
|---|---|---|---|---|
| Administrative Cost | $16.62 | $34.86 | $31.54 | $49.81 |
| Premium | $831.02 | $1,743.02 | $1,576.78 | $2,490.28 |
| Total Rate | $847.64 | $1,777.88 | $1,608.32 | $2,540.09 |
Kaiser Copay Basic
| Plan/Category | Employee Only (T1/P1) | Empl + Spouse (T2/P2) | Empl + Child(ren) (T3/P3) | Empl + Spouse + Child(ren) (T4/P4) |
|---|---|---|---|---|
| Administrative Cost | $15.73 | $32.99 | $29.84 | $47.13 |
| Premium | $786.36 | $1,649.36 | $1,492.04 | $2,356.46 |
| Total Rate | $802.09 | $1,682.35 | $1,521.88 | $2,403.59 |
EyeMed Vision - Basic
| Plan/Category | Employee Only (TV1/PV1) | Empl + Spouse (TV2/PV2) | Empl + Child(ren) (TV3/PV3) | Empl + Spouse + Child(ren) (TV4/PV4) |
|---|---|---|---|---|
| Administrative Cost | $0.06 | $0.11 | $0.12 | $0.17 |
| Premium | $2.90 | $5.52 | $5.82 | $8.54 |
| Total Rate | $2.96 | $5.63 | $5.94 | $8.71 |
EyeMed Vision - Enhanced
| Plan/Category | Employee Only (TE1/PE1) | Empl + Spouse (TE2/PE2) | Empl + Child(ren) (TE3/PE3) | Empl + Spouse + Child(ren) (TE4/PE4) |
|---|---|---|---|---|
| Administrative Cost | $0.15 | $0.28 | $0.29 | $0.43 |
| Premium | $7.30 | $13.88 | $14.62 | $21.48 |
| Total Rate | $7.45 | $14.16 | $14.91 | $21.91 |
Delta Dental - Basic
| Plan/Category | Employee Only (T1A/P1A) | Empl + Spouse (T2A/P2A) | Empl + Child(ren) (T3A/P3A) | Empl + Spouse + Child(ren) (T4A/P4A) |
|---|---|---|---|---|
| Administrative Cost | $0.77 | $1.45 | $1.52 | $2.20 |
| Premium | $38.62 | $72.56 | $76.14 | $110.06 |
| Total Rate | $39.39 | $74.01 | $77.66 | $112.26 |
Delta Dental - Basic Plus
| Plan/Category | Employee Only (T1B/P1B) | Empl + Spouse (T2B/P2B) | Empl + Child(ren) (T3B/P3B) | Empl + Spouse + Child(ren) (T4B/P4B) |
|---|---|---|---|---|
| Administrative Cost | $0.99 | $1.88 | $1.97 | $2.86 |
| Premium | $49.60 | $93.96 | $98.64 | $143.00 |
| Total Rate | $50.59 | $95.84 | $100.61 | $145.86 |
FY2026 - COBRA Rates w/ Disability Extension
Cigna HDHP
| Plan/Category | Employee Only (T1/P1) | Empl + Spouse (T2/P2) | Empl + Child(ren) (T3/P3) | Empl + Spouse + Child(ren) (T4/P4) |
|---|---|---|---|---|
| Administrative Cost | $467.00 | $911.72 | $835.32 | $1,279.08 |
| Premium | $934.00 | $1,823.44 | $1,670.64 | $2,558.16 |
| Total Rate | $1,401.00 | $2,735.16 | $2,505.96 | $3,837.24 |
Cigna Copay Plus
| Plan/Category | Employee Only (T1/P1) | Empl + Spouse (T2/P2) | Empl + Child(ren) (T3/P3) | Empl + Spouse + Child(ren) (T4/P4) |
|---|---|---|---|---|
| Administrative Cost | $491.52 | $991.73 | $905.80 | $1,404.92 |
| Premium | $983.04 | $1,983.46 | $1,811.60 | $2,809.84 |
| Total Rate | $1,474.56 | $2,975.19 | $2,717.40 | $4,214.76 |
Cigna Copay Basic
| Plan/Category | Employee Only (T1/P1) | Empl + Spouse (T2/P2) | Empl + Child(ren) (T3/P3) | Empl + Spouse + Child(ren) (T4/P4) |
|---|---|---|---|---|
| Administrative Cost | $471.84 | $952.03 | $869.54 | $1,348.68 |
| Premium | $943.68 | $1,904.06 | $1,739.08 | $2,697.36 |
| Total Rate | $1,415.52 | $2,856.09 | $2,608.62 | $4,046.04 |
Kaiser HDHP
| Plan/Category | Employee Only (T1/P1) | Empl + Spouse (T2/P2) | Empl + Child(ren) (T3/P3) | Empl + Spouse + Child(ren) (T4/P4) |
|---|---|---|---|---|
| Administrative Cost | $371.70 | $747.53 | $679.45 | $1,055.25 |
| Premium | $743.40 | $1,495.06 | $1,358.90 | $2,110.50 |
| Total Rate | $1,115.10 | $2,242.59 | $2,038.35 | $3,165.75 |
Kaiser Copay Plus
| Plan/Category | Employee Only (T1/P1) | Empl + Spouse (T2/P2) | Empl + Child(ren) (T3/P3) | Empl + Spouse + Child(ren) (T4/P4) |
|---|---|---|---|---|
| Administrative Cost | $415.51 | $871.51 | $788.39 | $1,245.14 |
| Premium | $831.02 | $1,743.02 | $1,576.78 | $2,490.28 |
| Total Rate | $1,246.53 | $2,614.53 | $2,365.17 | $3,735.42 |
Kaiser Copay Basic
| Plan/Category | Employee Only (T1/P1) | Empl + Spouse (T2/P2) | Empl + Child(ren) (T3/P3) | Empl + Spouse + Child(ren) (T4/P4) |
|---|---|---|---|---|
| Administrative Cost | $393.18 | $824.68 | $746.02 | $1,178.23 |
| Premium | $786.36 | $1,649.36 | $1,492.04 | $2,356.46 |
| Total Rate | $1,179.54 | $2,474.04 | $2,238.06 | $3,534.69 |
EyeMed Vision - Basic
| Plan/Category | Employee Only (TV1/PV1) | Empl + Spouse (TV2/PV2) | Empl + Child(ren) (TV3/PV3) | Empl + Spouse + Child(ren) (TV4/PV4) |
|---|---|---|---|---|
| Administrative Cost | $1.45 | $2.76 | $2.91 | $4.27 |
| Premium | $2.90 | $5.52 | $5.82 | $8.54 |
| Total Rate | $4.35 | $8.28 | $8.73 | $12.81 |
EyeMed Vision - Enhanced
| Plan/Category | Employee Only (TE1/PE1) | Empl + Spouse (TE2/PE2) | Empl + Child(ren) (TE3/PE3) | Empl + Spouse + Child(ren) (TE4/PE4) |
|---|---|---|---|---|
| Administrative Cost | $3.65 | $6.94 | $7.31 | $10.74 |
| Premium | $7.30 | $13.88 | $14.62 | $21.48 |
| Total Rate | $10.95 | $20.82 | $21.93 | $32.22 |
Delta Dental - Basic
| Plan/Category | Employee Only (T1A/P1A) | Empl + Spouse (T2A/P2A) | Empl + Child(ren) (T3A/P3A) | Empl + Spouse + Child(ren) (T4A/P4A) |
|---|---|---|---|---|
| Administrative Cost | $19.31 | $36.28 | $38.07 | $55.03 |
| Premium | $38.62 | $72.56 | $76.14 | $110.06 |
| Total Rate | $57.93 | $108.84 | $114.21 | $165.09 |
Delta Dental - Basic Plus
| Plan/Category | Employee Only (T1B/P1B) | Empl + Spouse (T2B/P2B) | Empl + Child(ren) (T3B/P3B) | Empl + Spouse + Child(ren) (T4B/P4B) |
|---|---|---|---|---|
| Administrative Cost | $24.80 | $46.98 | $49.32 | $71.50 |
| Premium | $49.60 | $93.96 | $98.64 | $143.00 |
| Total Rate | $74.40 | $140.94 | $147.96 | $214.50 |
FY2026 - Life Insurance Rates
Basic Life and AD&D Insurance
Monthly premium rates are per employee per month (100% State-paid)
| Age Bracket | Basic Life rate per employee per month | Basic AD&D rate per employee per month | Total Basic Life and AD&D rate per employee per month |
|---|---|---|---|
| None | $7.36 | $1.60 | $8.96 |
Employee Optional Life and AD&D Insurance
Monthly premium rates are for $1,000 of coverage (100% employee paid)
| Age Bracket | Employee Optional Life rate per $1,000 per month | Employee Optional AD&D rate per $1,000 per month | Total Employee Optional Life and AD&D rate per $1,000 per month |
|---|---|---|---|
| Under age 20 | $0.04 | $0.02 | $0.06 |
| 20-24 | $0.04 | $0.02 | $0.06 |
| 25-29 | $0.04 | $0.02 | $0.06 |
| 30-34 | $0.06 | $0.02 | $0.08 |
| 35-39 | $0.06 | $0.02 | $0.08 |
| 40-44 | $0.08 | $0.02 | $0.10 |
| 45-49 | $0.08 | $0.02 | $0.10 |
| 50-54 | $0.10 | $0.02 | $0.12 |
| 55-59 | $0.24 | $0.02 | $0.26 |
| 60-64 | $0.38 | $0.02 | $0.40 |
| 65-69 | $0.78 | $0.02 | $0.80 |
| Age 70 and Over | $1.20 | $0.02 | $1.22 |
Reminder:
- 2025: The age used for an employee's premium calculation, from 1/1/2025 to 12/31/2025, will be the employee's age as of 12/31/2024.
- 2026: The age used for an employee's premium calculation, from 1/1/2026 to 12/31/2026, will be the employee's age as of 12/31/2025.
Spouse Optional Life and AD&D Insurance
Monthly premium rates are for $1,000 of coverage (100% employee paid)
| Age Bracket | Spouse Optional Life rate per $1,000 per month | Spouse Optional AD&D rate per $1,000 per month | Total Spouse Optional Life and AD&D rate per $1,000 per month |
|---|---|---|---|
| Under age 20 | $0.06 | $0.02 | $0.08 |
| 20-24 | $0.06 | $0.02 | $0.08 |
| 25-29 | $0.06 | $0.02 | $0.08 |
| 30-34 | $0.08 | $0.02 | $0.10 |
| 35-39 | $0.10 | $0.02 | $0.12 |
| 40-44 | $0.10 | $0.02 | $0.12 |
| 45-49 | $0.16 | $0.02 | $0.18 |
| 50-54 | $0.24 | $0.02 | $0.26 |
| 55-59 | $0.44 | $0.02 | $0.46 |
| 60-64 | $0.66 | $0.02 | $0.68 |
| 65-69 | $1.32 | $0.02 | $1.34 |
| Age 70 and Over | $2.10 | $0.02 | $2.12 |
Reminder:
- 2025: The age used for a spouse's premium calculation, from 1/1/2025 to 12/31/2025, will be the spouse's age as of 12/31/2024.
- 2026: The age used for a spouse's premium calculation, from 1/1/2026 to 12/31/2026, will be the spouse's age as of 12/31/2025.
Child Optional Life and AD&D Insurance
Monthly premium rates are per family unit (100% employee paid)
| Election Amount | Child Optional Life rate per family unit per month | Child Optional AD&D rate per family unit per month | Total Child Optional Life and AD&D rate per family unit per month |
|---|---|---|---|
| $5,000 | $0.40 | $0.10 | $0.50 |
| $10,000 | $0.80 | $0.20 | $1.00 |
FY2026 - STD & LTD Rates
Short-Term Disability (STD) Insurance
Monthly premium rate is a percentage of an employee's monthly covered compensation (100% State paid).
| Benefit Type | Premium Rate | Notes |
|---|---|---|
| STD Premium Rate | 0.07% (0.0007) | Of monthly covered compensation effective 7/1/2025 |
Optional Long-Term Disability (LTD) Insurance
The monthly LTD premiums are 100% Employee paid. The monthly LTD premium rates are a percentage of an employee's monthly covered compensation.
| Age Bracket | PERA DB Vested Option | PERA DB Non-Vested or DC Option |
|---|---|---|
| Under age 30 | 0.0008 | 0.0025 |
| 30-34 | 0.0008 | 0.0025 |
| 35-39 | 0.0010 | 0.0030 |
| 40-44 | 0.0013 | 0.0037 |
| 45-49 | 0.0017 | 0.0052 |
| 50-54 | 0.0026 | 0.0079 |
| 55-59 | 0.0040 | 0.0118 |
| 60-64 | 0.0055 | 0.0174 |
| 65-69 | 0.0059 | 0.0178 |
| Age 70 and Over | 0.0072 | 0.0216 |
Reminder:
- 2025: The age used for an employee's premium calculation, from 1/1/2025 to 12/31/2025, will be the employee's age as of 12/31/2024.
- 2026: The age used for an employee's premium calculation, from 1/1/2026 to 12/31/2026, will be the employee's age as of 12/31/2025.