Plans & Rates (Active Members)
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. Refer to Annual Health Plan Changes for details on health plans, service areas, and benefit design changes.
Are you a retiree? Access Retiree Plans & Rates customized just for you.
Rates & Employer Contributions
Visit How CalPERS Sets Health Premiums to get details on the rates and plans process.
Access the 2027 health premiums approved by the CalPERS Board of Administration:
Employer Contribution Amounts
Active State Members
Below are the contribution rates. Your cost is any amount above the employer contribution. Active subscribers are subject to the 80/80 or 85/80 formula. Active subscribers should contact their employer to inquire which formula applies to their bargaining unit.
CalPERS Health Program
| Formula | Single (1) | Two-Party (2) | Family (3+) |
|---|---|---|---|
| 80/80 Formula (Bargaining Units 1, 4, 11, 14, 15, 20 and 21) | $1,067 | $1,965 | $2,500 |
| 80/80 Formula (Bargaining Unit 3) endnote2 | $1,032 | $1,897 | $2,414 |
| 80/80 Formula (Bargaining Units 6, 10, 12 and 13) | $902 | $1,800 | $2,335 |
| 85/80 Formula (Bargaining Units 5 and 9) | $958 | $1,857 | $2,391 |
endnote1 The health contributions for Bargaining Units 1, 3, 4, 11, 14, 15, 20 and 21 include an additional $165 health care supplemental contribution that was bargained for SEIU-represented employees.
endnote2 The health contributions for Bargaining Unit 3 reflect the 2026 80/80 health contribution rates due to collective bargaining.
| Formula | Single (1) | Two-Party (2) | Family (3+) |
|---|---|---|---|
| 80/80 CoBen (Bargaining Units 2, 7, 16, 18 and 19) | $950 | $1,878 | $2,445 |
| 80/80 CoBen (Bargaining Unit 17) endnote4 | $1,115 | $2,043 | $2,610 |
| 85/80 CoBen (Bargaining Unit 8) | $1,006 | $1,935 | $2,501 |
| 85/80 CoBen (Excluded) | $1,008 | $1,948 | $2,515 |
endnote3 CoBen is the employer-provided benefit allowance for employees in bargaining units 2, 7, 8, 16, 17, 18, 19, and excluded employees to offset the cost of health, dental and vision benefits.
endnote4 The CoBen contributions for Bargaining Unit 17 include an additional $165 health care supplemental contribution that was bargained for SEIU-represented employees.
- Refer to the applicable Memorandum of Understanding or the Benefits Calculator on the CalHR website for more information.
Active CSU Members
| Group | Single (1) | Two-Party (2) | Family (3+) |
|---|---|---|---|
| All Employees (Except Unit 6) | $1,193 | $2,296 | $2,867 |
| Unit 6 | $1,198 | $2,306 | $2,887 |
CalPERS 2027 Statewide COBRA Health Premiums
Effective Date: January 1, 2027
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 | $1,239.39 | $2,478.78 | $3,222.41 |
| Anthem Blue Cross Traditional HMO | $1,505.16 | $3,010.33 | $3,913.42 |
| Blue Shield Access+ EPO | $1,230.42 | $2,460.83 | $3,199.08 |
| Blue Shield Access+ HMO | $1,230.42 | $2,460.83 | $3,199.08 |
| Blue Shield Trio HMO | $990.66 | $1,981.33 | $2,575.72 |
| CA Association Highway Patrolmen (Nationwide) | $1,158.16 | $2,247.29 | $2,938.02 |
| CA Correctional Peace Officers Association - North | $1,370.55 | $2,747.29 | $3,709.18 |
| CA Correctional Peace Officers Association - South | $1,130.09 | $2,266.28 | $3,062.42 |
| Health Net Salud y Más | $873.05 | $1,746.10 | $2,269.93 |
| Kaiser Permanente (CA) | $1,147.65 | $2,295.31 | $2,983.90 |
| Kaiser Permanente (Out-of-State) endnote5 | $1,532.16 | $3,064.32 | $3,983.62 |
| Kaiser Permanente Nevada endnote6 | $1,374.83 | $2,749.65 | $3,574.55 |
| PERS Gold | $1,142.34 | $2,284.68 | $2,970.08 |
| PERS Platinum (Nationwide) | $1,655.56 | $3,311.12 | $4,304.46 |
| Peace Officers Research Association of CA | $999.60 | $2,014.50 | $2,621.40 |
| Sharp Performance Plus | $994.71 | $1,989.43 | $2,586.26 |
| Sutter Health Plan | $1,153.28 | $2,306.57 | $2,998.53 |
| Western Health Advantage HMO | $1,051.42 | $2,102.83 | $2,733.68 |
endnote5 These premiums cover all Kaiser out-of-state areas except for Kaiser Permanente Nevada.
endnote6 Kaiser Permanente Nevada includes the following counties in northwestern Nevada: Carson City, Douglas, Lyon, Storey, and Washoe.
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:
- Region 1 Premiums (PDF) - Find rates for Alameda, Alpine, Amador, Butte, Calaveras, Colusa, Contra Costa, Del Norte, El Dorado, Glenn, Humboldt, Lake, Lassen, Marin, Mariposa, Mendocino, Merced, Modoc, Mono, Monterey, Napa, Nevada, Placer, Plumas, Sacramento, San Benito, San Francisco, San Joaquin, San Mateo, Santa Clara, Santa Cruz, Shasta, Sierra, Siskiyou, Solano, Sonoma, Stanislaus, Sutter, Tehama, Trinity, Tuolumne, Yolo, and Yuba.
- Region 2 Premiums (PDF) - Find rates for Fresno, Imperial, Inyo, Kern, Kings, Madera, Orange, San Diego, San Luis Obispo, Santa Barbara, Tulare, and Ventura.
- Region 3 Premiums (PDF) - Find rates for Los Angeles, Riverside, and San Bernardino.
- Out-of-State Premiums (PDF) - Find rates for health plans available outside of California.
CalPERS 2027 Public Agencies & Schools COBRA Health Premiums
Effective Date: January 1, 2027
COBRA premiums are calculated at 102% of the Basic premiums, but some carriers may charge less than these maximum amounts.
Access the 2027 COBRA premiums by region (PDF).
Access the 2026 health premiums approved by the CalPERS Board of Administration:
Employer Contribution Amounts
Active State Members
Below are the contribution rates. Your cost is any amount above the employer contribution. Active subscribers are subject to the 80/80 or 85/80 formula. Active subscribers should contact their employer to inquire which formula applies to their bargaining unit.
CalPERS Health Program
| Formula | Single (1) | Two-Party (2) | Family (3+) |
|---|---|---|---|
| 80/80 Formula (Bargaining Units 1, 3, 4, 11, 14, 15, 20 and 21)endnote1 | $1,032 | $1,897 | $2,414 |
| 80/80 Formula (Bargaining Units 6, 10, 12 and 13) | $867 | $1,732 | $2,249 |
| 85/80 Formula (Bargaining Units 5 and 9) | $921 | $1,786 | $2,303 |
1The health contributions include an additional $165 health care supplemental contribution that was bargained for SEIU-represented employees. (1)
| Formula | Single (1) | Two-Party (2) | Family (3+) |
|---|---|---|---|
| 80/80 CoBen (Bargaining Units 2, 7, 16, 18 and 19) | $909 | $1,806 | $2,356 |
| 80/80 CoBen (Bargaining Unit 17)endnote3 | $1,074 | $1,971 | $2,521 |
| 85/80 CoBen (Bargaining Unit 8) | $963 | $1,860 | $2,410 |
| 85/80 CoBen (Excluded) | $968 | $1,870 | $2,417 |
2CoBen is the employer-provided benefit allowance for employees in bargaining units 2, 7, 8, 16, 17, 18, 19, and excluded employees to offset the cost of health, dental, and vision benefits. (2)
3The CoBen contributions include an additional $165 health care supplemental contribution that was bargained for SEIU-represented employees. (3)
Refer to the applicable Memorandum of Understanding or the Benefits Calculator on the CalHR website for more information.
Active CSU Members
| Group | Single (1) | Two-Party (2) | Family (3+) |
|---|---|---|---|
| All Employees (except Unit 6) | $1,084 | $2,057 | $2,638 |
| Unit 6 | $1,089 | $2,067 | $2,658 |
CalPERS 2026 Statewide COBRA Health Premiums
Effective Date: January 1, 2026
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 | $1,112.80 | $2,225.60 | $2,893.28 |
| Anthem Blue Cross Traditional HMO | $1,400.39 | $2,800.78 | $3,641.01 |
| Blue Shield Access+ EPO | $1,110.29 | $2,220.58 | $2,886.75 |
| Blue Shield Access+ HMO | $1,110.29 | $2,220.58 | $2,886.75 |
| Blue Shield Trio HMO | $955.31 | $1,910.62 | $2,483.81 |
| CA Association Highway Patrolmen (Nationwide) | $1,062.53 | $2,061.74 | $2,695.43 |
| CA Correctional Peace Officers Association - North | $1,224.26 | $2,453.48 | $3,312.31 |
| CA Correctional Peace Officers Association - South | $1,009.56 | $2,024.01 | $2,734.84 |
| Health Net Salud y Más | $804.91 | $1,609.83 | $2,092.77 |
| Kaiser Permanente (CA) | $1,119.90 | $2,239.80 | $2,911.73 |
| Kaiser Permanente (Out-of-State)endnote4 | $1,426.94 | $2,853.88 | $3,710.05 |
| PERS Gold | $1,064.24 | $2,128.47 | $2,767.02 |
| PERS Platinum (Nationwide) | $1,542.37 | $3,084.75 | $4,010.17 |
| Peace Officers Research Association of CA | $993.48 | $1,989.00 | $2,584.68 |
| Sharp Performance Plus | $934.52 | $1,869.05 | $2,429.76 |
| UnitedHealthcare SignatureValue Alliance | $1,069.12 | $2,138.25 | $2,779.72 |
| UnitedHealthcare SignatureValue Harmony | $939.24 | $1,878.47 | $2,442.01 |
| Western Health Advantage HMO | $988.97 | $1,977.94 | $2,571.33 |
4These premiums cover all Kaiser out-of-state areas. (4)
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:
- Region 1 Premiums (PDF) - Find rates for Alameda, Alpine, Amador, Butte, Calaveras, Colusa, Contra Costa, Del Norte, El Dorado, Glenn, Humboldt, Lake, Lassen, Marin, Mariposa, Mendocino, Merced, Modoc, Mono, Monterey, Napa, Nevada, Placer, Plumas, Sacramento, San Benito, San Francisco, San Joaquin, San Mateo, Santa Clara, Santa Cruz, Shasta, Sierra, Siskiyou, Solano, Sonoma, Stanislaus, Sutter, Tehama, Trinity, Tuolumne, Yolo, and Yuba.
- Region 2 Premiums (PDF) - Find rates for Fresno, Imperial, Inyo, Kern, Kings, Madera, Orange, San Diego, San Luis Obispo, Santa Barbara, Tulare, and Ventura.
- Region 3 Premiums (PDF) - Find rates for Los Angeles, Riverside, and San Bernardino.
- Out-of-State Premiums (PDF) - Find rates for health plans available outside of California.
CalPERS 2026 Public Agencies & Schools COBRA Health Premiums
Effective Date: January 1, 2026
COBRA premiums are calculated at 102% of the Basic premiums, but some carriers may charge less than these maximum amounts.
Access the 2026 COBRA premiums by region (PDF).
Health Plans
Find all health plan Summary of Coverage and Evidence of Coverage documents.
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.
| Plan Name | Administrator | Offers Medicare? | Plan Information |
|---|---|---|---|
Anthem Blue Cross (Basic HMO)
|
| No |
|
| Anthem Blue Cross Medicare Preferred (PPO) |
| Yes |
|
Blue Shield of California (Basic HMO)
|
| No |
|
| Blue Shield of California (EPO) |
| No |
|
Blue Shield of California (Medicare PPO)
|
| Yes |
|
California Association of Highway Patrolmen (CAHP) (PPO)
|
| Yes |
|
| California Correctional Peace Officers Association (CCPOA) Medical Plan Basic (EPO) |
| No |
|
| California Correctional Peace Officers Association (CCPOA) Medicare Plan (PPO) |
| Yes |
|
Health Net of California (HMO)
|
| No |
|
Kaiser Permanente (HMO)
|
| Yes |
|
Peace Officers Research Association of California (PORAC) (PPO)
|
| Yes |
|
PERS Platinum (PPO)
|
| Yes |
|
PERS Gold (PPO)
|
| Yes |
|
| Sharp Health Plan (Basic HMO) Sharp Performance Plus |
| No |
|
| Sharp Direct Advantage (Medicare HMO) |
| Yes |
|
| Sutter Health Plan (HMO) |
| No |
|
UnitedHealthcare (Medicare PPO)
|
| Yes |
|
| Western Health Advantage (HMO) |
| No |
|
| Plan Name | Administrator | Offers Medicare? | Plan Information |
|---|---|---|---|
Anthem Blue Cross (Basic HMO)
| (855) 839-4524 | No | CVS Caremark is the Pharmacy Benefit Manager (PBM) providing prescription benefits for this health plan effective January 1, 2026. Access Anthem Blue Cross’ Transparency in Coverage Machine Readable Files on their website. |
| Anthem Blue Cross Medicare Preferred (PPO) | (855) 251-8825 | Yes | CVS Caremark is the PBM providing prescription benefits for this health plan effective January 1, 2026. |
Blue Shield of California (Basic HMO)
| Blue Shield of California (HMO) (800) 334-5847 | No | Blue Shield of California administers its own prescription drug benefits. Access Blue Shield of California’s Transparency in Coverage Machine Readable Files on their website. |
| Blue Shield of California (EPO) | (800) 334-5847 | No | 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 administers its own prescription drug benefits. Access Blue Shield of California’s Transparency in Coverage Machine Readable Files on their website. |
| Blue Shield of California Medicare (PPO) | (888) 802-4599 | Yes | Blue Shield of California administers its own prescription drug benefits. |
California Association of Highway Patrolmen (CAHP) (PPO)
| Anthem Blue Cross Accolade Customer Service (866) 518-1767 | Yes | 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. |
| California Correctional Peace Officers Association (CCPOA) Medical Plan Basic (EPO) | Blue Shield of California (800) 257-6213 | No | 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 Medical Plan (Basic) transitions to an EPO plan effective January 1, 2026. CCPOA prescription benefits are administered through Blue Shield of California. |
| California Correctional Peace Officers Association (CCPOA) Medicare Plan (PPO) | Blue Shield of California (800) 776-4466 | Yes | 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)
| (888) 926-4921 | No | CVS Caremark is the PBM providing prescription benefits for this health plan effective January 1, 2026. Access Health Net of California’s Transparency in Coverage Machine Readable Files on their website. |
Kaiser Permanente (HMO)
| (800) 305-1220 Senior Advantage & Senior Advantage Summit (855) 717-9598 | Yes | Kaiser Permanente administers its own prescription benefits. Access Kaiser Permanente’s Transparency in Coverage Machine Readable Files on their website. |
Peace Officers Research Association of California (PORAC) (PPO)
| Anthem Blue Cross (800) 655-6397 | Yes | 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 benefits are administered by Anthem Blue Cross. |
PERS Platinum (PPO)
| Basic: (855) 633-4436 TTY 711 & Supplement to Medicare: (800) 405-2127 TTY 711 | Yes | Included Health is your point of contact for Basic plan information and Blue Shield is your point of contact for Supplement to Medicare plan information. This plan has no geographical restrictions. It provides coverage anywhere in the world. CVS Caremark is the PBM providing prescription benefits for this health plan effective January 1, 2026. Access Blue Shield of California’s Transparency in Coverage Machine Readable Files on their website. |
PERS Gold (PPO)
| Basic: (855) 633-4436 TTY 711 & Supplement to Medicare: (800) 405-2127 TTY 711 | Yes | Included Health is your point of contact for Basic plan information and Blue Shield is your point of contact for Supplement to Medicare plan information. CVS Caremark is the PBM providing prescription benefits for this health plan effective January 1, 2026. Access Blue Shield of California’s Transparency in Coverage Machine Readable Files on their website. |
| Sharp Health Plan (Basic HMO) Sharp Performance Plus | (855) 995-5004 | No | CVS Caremark is the PBM providing prescription benefits for this health plan effective January 1, 2026. Access Sharp Health Plan’s Transparency in Coverage Machine Readable Files on their website. |
| Sharp Direct Advantage (Medicare HMO) | (833) 346-4322 | Yes | CVS Caremark is the PBM for Sharp Direct Advantage (Medicare HMO). |
UnitedHealthcare (Basic HMO)
| (877) 359-3714 | No | CVS Caremark is the PBM providing prescription benefits for this health plan effective January 1, 2026. Access UnitedHealthcare’s Transparency in Coverage Machine Readable Files on their website. |
UnitedHealthcare (Medicare PPO)
| (888) 867-5581 | Yes | The UnitedHealthcare® Group Medicare Advantage (PPO) plans include Medicare Part D prescription drug coverage. UnitedHealthcare of California administers its own prescriptions. For more information please visit their website. |
| Western Health Advantage (HMO) | (888) 942-7377 TTY: 711 | No | CVS Caremark is the PBM providing prescription benefits for this health plan effective January 1, 2026. Access Western Health Advantage’s Transparency in Coverage Machine Readable Files on their website. |
About Our Plans
- HMO - A Health Maintenance Organization (HMO) plan provides health care from specific doctors and hospitals under contract with the plan. You pay co-payments for some services, but you have no deductible, no claim forms, and a geographically restricted service area.
- PPO - A Preferred Provider Organization (PPO) is similar to a traditional
fee-for-service
plan, but you must use doctors in the PPO provider network or pay higher co-insurance (percentage of charges). You must usually meet an annual deductible before some benefits apply. You're responsible for a certain co-insurance amount and the plan pays the balance up to the allowable amount. - EPO - The Exclusive Provider Organization (EPO) plan offers the same covered services as an HMO plan, but you must seek services from the plan’s network of preferred providers. You're also able to access physicians and specialists that participate in the network without a referral. You pay copayments, for some services, but you have no deductible, no claim forms, and a geographically restricted service area.
- Combination Plans - A combination plan means at least one family member is enrolled in a Medicare health plan and at least one family member is enrolled in a Basic health plan through the same health carrier. CalPERS requires all family members to have the same health carrier.
Check out our article HMO, PPO, and EPO – What’s the Difference and Why Does It Matter? for information on the different types of plans.
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