Visit your health plan's website to learn how benefits, claims, and payment of claims are covered, as well as the service limitations and exclusions that may apply. You can also log in to myCalPERS to use the Search Health Plans tool to research the health plan coverage and benefits most important to you and your family.
Some health plans are available only in certain counties and/or ZIP codes. Contact the health plan before enrolling to make sure they cover your ZIP codes and that their provider network is accepting new patients in your area. You may also use our online service, the Health Plan Search by ZIP Code.
Open Enrollment is an annual process that occurs in the fall. During this time, you can enroll, change health plans, add eligible dependents, delete dependents, or cancel coverage. View Annual Health Plan Changes for details on health plans, service areas, and benefit design changes.
Are you an active member? View Active Member Plans & Rates customized just for you.
View How CalPERS Sets Health Premiums to get details on the rates and plans process.
Access the 2025 health premiums approved by the CalPERS Board of Administration:
Below are the contribution rates. Your cost is any amount above the employer contribution.
| Formula | Single (1) | Two-Party (2) | Family (3+) |
|---|---|---|---|
| 100/90 Basic and Medicare Annuitants | $1,060 | $2,039 | $2,551 |
| 80/80 Basic Annuitants | $809 | $1,615 | $2,097 |
| 80/80 Medicare Annuitants | $377 | $764 | $1,099 |
State retiree contribution formulas outlined in the table below, vary by first hire date to the State of California and State Bargaining Unit. State annuitants enrolled in Basic plans use the Basic 80/80 formula and state annuitants enrolled in Medicare plans use the Medicare 80/80 formula. All bargaining units not listed as 80/80, have the 100/90 state retiree contribution formula.
| Group | Single | Two-Party (2) | Family (3+) |
|---|---|---|---|
| All Employees | $1,060 | $2,039 | $2,551 |
Effective Date: January 1, 2025
COBRA premiums are calculated at 102% of the Basic premiums, but some carriers may charge less than these maximum amounts.
| Plan Name | Single (1) | Two-Party (2) | Family (3+) |
|---|---|---|---|
| Anthem Blue Cross Select HMO | $1,042.14 | $2,084.29 | $2,709.58 |
| Anthem Blue Cross Traditional HMO | $1,335.25 | $2,670.50 | $3,471.65 |
| Blue Shield Access+ EPO | $985.18 | $1,970.35 | $2,561.46 |
| Blue Shield Access+ HMO | $985.18 | $1,970.35 | $2,561.46 |
| Blue Shield Trio HMO | $927.28 | $1,854.56 | $2,410.93 |
| CAHP | $948.69 | $1,841.74 | $2,408.82 |
| CCPOA - North | $1,088.13 | $2,182.17 | $2,946.54 |
| CCPOA - South | $897.04 | $1,799.92 | $2,432.58 |
| Health Net Salud y Más | $768.79 | $1,537.59 | $1,998.86 |
| Kaiser Permanente (CA) | $1,066.10 | $2,132.21 | $2,771.87 |
| Kaiser Permanente (Out-of-State) 1 | $1,450.71 | $2,901.41 | $3,771.84 |
| PERS Gold | $962.57 | $1,925.15 | $2,502.69 |
| PERS Platinum | $1,362.01 | $2,724.01 | $3,541.22 |
| PORAC | $911.88 | $1,824.78 | $2,371.50 |
| Sharp Performance Plus | $885.82 | $1,771.64 | $2,303.13 |
| UnitedHealthcare SignatureValue Alliance | $980.58 | $1,961.15 | $2,549.50 |
| UnitedHealthcare SignatureValue Harmony | $836.53 | $1,673.07 | $2,174.99 |
| Western Health Advantage HMO | $932.56 | $1,865.11 | $2,424.64 |
1 These premiums cover all Kaiser out-of-state areas.
Since health care costs vary throughout California, regional pricing adjusts premiums to reflect the actual cost of health care in your specific region. This ensures that your CalPERS premiums are appropriate and competitive for where you live.
To find your specific health plan premium rates, choose your region from the options below:
Effective Date: January 1, 2025
COBRA premiums are calculated at 102% of the Basic premiums, but some carriers may charge less than these maximum amounts.
View the 2024 health premiums approved by the CalPERS Board of Administration:
Below are the contribution rates. Your cost is any amount above the employer contribution.
| Formula | Single (1) | Two-Party (2) | Family (3+) |
|---|---|---|---|
| 100/90 Basic and Medicare Annuitants | $983 | $1,890 | $2,366 |
| 80/80 Basic Annuitants | $747 | $1,492 | $1,936 |
| 80/80 Medicare Annuitants | $311 | $629 | $917 |
State retiree contribution formulas outlined in the table below, vary by first hire date to the State of California and State Bargaining Unit. State Annuitants enrolled in Basic plans use the Basic 80/80 formula and State Annuitants enrolled in Medicare plans use the Medicare 80/80 formula. All bargaining units not listed as 80/80, have the 100/90 state retiree contribution formula.
| Group | Single | Two-Party (2) | Family (3+) |
|---|---|---|---|
| All Employees | $983 | $1,890 | $2,366 |
Effective Date: January 1, 2024
COBRA premiums are calculated at 102% of the Basic premiums, but some carriers may charge less than these maximum amounts.
| Plan Name | Single (1) | Two-Party (2) | Family (3+) |
|---|---|---|---|
| Anthem Blue Cross Del Norte EPO | $1,240.19 | $2,480.37 | $3,224.49 |
| Anthem Blue Cross Select HMO | $944.08 | $1,888.16 | $2,454.61 |
| Anthem Blue Cross Traditional HMO | $1,221.90 | $2,443.80 | $3,176.93 |
| Blue Shield Access+ EPO | $910.34 | $1,820.68 | $2,366.88 |
| Blue Shield Access+ HMO | $910.34 | $1,820.68 | $2,366.88 |
| Blue Shield Trio HMO | $826.44 | $1,652.89 | $2,148.75 |
| CAHP | $862.45 | $1,674.31 | $2,189.84 |
| CCPOA - North | $1,012.42 | $2,030.14 | $2,741.18 |
| CCPOA - South | $834.67 | $1,674.56 | $2,263.07 |
| Health Net Salud y Más | $670.10 | $1,340.20 | $1,742.26 |
| Kaiser Permanente (CA) | $983.43 | $1,966.87 | $2,556.93 |
| Kaiser Permanente (Out-of-State) 1 | $1,338.70 | $2,677.40 | $3,480.62 |
| PERS Gold | $876.50 | $1,752.99 | $2,278.89 |
| PERS Platinum | $1,240.19 | $2,480.37 | $3,224.49 |
| PORAC | $870.06 | $1,742.16 | $2,264.40 |
| Sharp Performance Plus | $849.90 | $1,699.81 | $2,209.75 |
| UnitedHealthcare SignatureValue Alliance | $900.64 | $1,801.28 | $2,341.67 |
| UnitedHealthcare SignatureValue Harmony | $778.97 | $1,557.95 | $2,025.33 |
| Western Health Advantage HMO | $823.37 | $1,646.75 | $2,140.78 |
Since health care costs vary throughout California, regional pricing adjusts premiums to reflect the actual cost of health care in your specific region. This ensures that your CalPERS premiums are appropriate and competitive for where you live.
To find your specific health plan premium rates, choose your region from the options below:
Effective Date: January 1, 2024
COBRA premiums are calculated at 102% of the Basic premiums, but some carriers may charge less than these maximum amounts.
All health plans have geographical restrictions except for PERS Platinum. To find health plans available in your area, refer to Health Plan Search by ZIP Code.
Anthem Blue Cross (Basic) (HMO)
OptumRx is the Pharmacy Benefit Manager (PBM) providing prescription benefits for this health plan.
Access Anthem Blue Cross’ Transparency in Coverage Machine Readable Files on their website.
Anthem Blue Cross Del Norte (EPO) will no longer be available as of January 1, 2025.
OptumRx is the PBM providing prescription benefits for this health plan.
Access Anthem Blue Cross’ Transparency in Coverage Machine Readable Files on their website.
Blue Shield of California (HMO)
Blue Shield of California administers their own prescription drug benefits.
Access Blue Shield of California’s Transparency in Coverage Machine Readable Files on their website.
Blue Shield EPO is available in Alpine, Calaveras, Colusa, Del Norte, Inyo, Lake, Lassen, Mendocino, Modoc, Mono, Plumas, San Benito, Shasta, Siskiyou, Sierra, Tehama, Trinity, and Tuolumne counties.
Blue Shield of California prescription benefits are administered by CVS Caremark.
Access Blue Shield of California’s Transparency in Coverage Machine Readable Files on their website.
Blue Shield of California administers their own prescriptions.
Anthem Blue Cross
Accolade Customer Service
You must belong to the specific employee association and pay applicable dues to enroll in the CAHP. Note: The Prudent Buyer Network for CAHP’s Basic and Combination Plan is available only in California and in limited areas of selected states outside of California.
CAHP prescription benefits are administered by Express Scripts.
Blue Shield of California
You must belong to the specific employee association and pay applicable dues to enroll in the CCPOA. The CCPOA plan is available only to dues-paying members of that organization and their families.
CCPOA prescription benefits are administered through Blue Shield of California.
Blue Shield of California
You must belong to the specific employee association and pay applicable dues to enroll in the CCPOA. The CCPOA plan is available only to dues-paying members of that organization and their families.
CCPOA prescription benefits are administered through Blue Shield of California.
Health Net of California (HMO)
OptumRx is the PBM providing prescription benefits for this health plan.
Access Health Net of California’s Transparency in Coverage Machine Readable Files on their website.
Senior Advantage & Senior Advantage Summit
Kaiser administers its own prescription benefits.
Access Kaiser Permanente’s Transparency in Coverage Machine Readable Files on their website.
Anthem Blue Cross
You must belong to the specific employee association and pay applicable dues to enroll in the PORAC. The PORAC plan is available only to dues-paying members of that organization and their families.
PORAC prescription are administered by Anthem Blue Cross.
PERS Platinum (PPO)
(Updated contact information coming soon)
Effective January 1, 2025 Blue Shield of California will be the new administrator for the CalPERS PPO plans.
Contact and website information will be updated here by September 16, 2024.
This plan has no geographical restrictions. It provides coverage anywhere in the world.
OptumRx is the PBM providing prescription benefits for this health plan.
Access Anthem Blue Cross’ Transparency in Coverage Machine Readable Files on their website.
(Updated contact information coming soon)
Effective January 1, 2025 Blue Shield of California will be the new administrator for the CalPERS PPO plans.
Contact and website information will be updated here by September 16, 2024.
This plan is only available in California.
OptumRx is the PBM providing prescription benefits for this health plan.
Access Anthem Blue Cross’ Transparency in Coverage Machine Readable Files on their website.
Sharp Health Plan (Basic) (HMO) Sharp Performance Plus
OptumRx is the PBM providing prescription benefits for this health plan.
Access Sharp Health Plan’s Transparency in Coverage Machine Readable Files on their website.
Sharp Direct Advantage (Medicare) (HMO)
CVS Caremark is the PBM for Sharp Direct Advantage (Medicare) (HMO).
UnitedHealthcare (Basic) (HMO)
OptumRx is the PBM providing prescription benefits for this health plan.
Access UnitedHealthcare’s Transparency in Coverage Machine Readable Files on their website.
UnitedHealthcare (Medicare) (PPO)
UnitedHealthcare Medicare Advantage Edge will no longer be available as of January 1, 2025.
The UnitedHealthcare® Group Medicare Advantage (PPO) plans include Medicare Part D prescription drug coverage.
OptumRx is the PBM providing prescription benefits for this health plan.
OptumRx is the PBM providing prescription benefits for this health plan.
Access Western Health Advantage’s Transparency in Coverage Machine Readable Files on their website.
Western Health Advantage MyCare Select will no longer be available as of January 1, 2025.
OptumRx is the PBM providing prescription benefits for this health plan.