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. Here are some tips to help you choose a health plan:

  • Log in to my|CalPERS to use the Find a Medical Plan tool to research the health plan coverage and benefits most important to you and your family.
  • Review each plan's Evidence of Coverage, and Summary of Benefits and Coverage with Glossary, in the sections below.
  • Use our Health Plan Search by ZIP Code tool to see which plans are available in your area.
  • View the 2019 Health Benefit Summary (PDF) to compare features of the different health plans.
  • Current subscribers of the Basic PERSCare, PERS Choice, and PERS Select PPO health plans can visit CalPERS | Compare to shop for doctors, hospitals, medical services, and prescriptions.
  • View the Non-Discrimination Notice (PDF) in accordance with Section 1557 of the Affordable Care Act.

Are you retired? View Retiree Plans & Rates customized just for you.

Rates & Employer Contributions

2018

View the 2018 health premium rates approved by the CalPERS Board of Administration:

Employer Contribution Amounts

Active State Members

Your cost is any amount above the employer contribution. Below are the official CalHR-approved 2018 employer health contribution amounts and CoBen allowances.

State Employer Health Benefit Contributions
Bargaining Units One-Party Two-Party Family
5 and 9 $615 $1,194 $1,540
1, 3, 4, 6, 10, 11, 12, 13, 14, 15, 20, and 21 $579 $1,158 $1,504
State CoBen Allowances
Bargaining Units One-Party Two-Party Family
2, 7, 16, 17, 18, and 19 $626 $1,233 $1,609
8 $662 $1,269 $1,645
Excluded Employees $663 $1,281 $1,658

Check with your employer to determine your contribution amount.

Active CSU Members

  • All Employees (Except Unit 6) - One-Party: $725; Two-Party: $1,377; Family: $1,766
  • Unit 6 - One-Party: $730; Two-Party: $1,387; Family: $1,786
COBRA Rates

If you have continued health coverage through the Consolidated Omnibus Budget Reconciliation Act (COBRA), contact your employer for your monthly premium rate. Refer to COBRA for information on continuing health coverage for yourself and your dependents if you involuntarily lose your health benefits.

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:

  • Bay Area Rates (PDF) - View rates for Alameda, Amador, Contra Costa, Marin, Napa, Nevada, San Francisco, San Joaquin, San Mateo, Santa Clara, Santa Cruz, Solano, Sonoma, Sutter, and Yuba.
  • Los Angeles Area Rates (PDF) - View rates for Los Angeles, San Bernardino, and Ventura.
  • Other Northern California Rates (PDF) - View rates for Alpine, Butte, Calaveras, Colusa, Del Norte, Glenn, Humboldt, Lake, Lassen, Mariposa, Mendocino, Merced, Modoc, Mono, Monterey, Plumas, San Benito, Shasta, Sierra, Siskiyou, Stanislaus, Tehama, Trinity, and Tuolumne.
  • Other Southern California Rates (PDF) - View rates for Fresno, Imperial, Inyo, Kern, Kings, Madera, Orange, Riverside, San Diego, San Luis Obispo, Santa Barbara, and Tulare.
  • Out-of-State Rates (PDF) - View rates for health plans available outside of California.
  • Sacramento Area Rates (PDF) - View rates for El Dorado, Placer, Sacramento, and Yolo.
Employer Contribution Amounts

Contributions vary by employer. Contact your employer to find out how much they contribute toward your monthly premium rate.

COBRA Rates

If you have continued health coverage through the Consolidated Omnibus Budget Reconciliation Act (COBRA), contact your employer for your monthly premium rate. Refer to COBRA for information on continuing health coverage for yourself and your dependents if you involuntarily lose your health benefits.

2019

View the 2019 health premium rates 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

State Employer Health Benefit Contributions
Bargaining Units One-Party Two-Party Family
5* and 9* $620 $1,206 $1,555
1*, 3, 4*, 6, 10*, 11*, 12, 13, 14*, 15*, 20*, and 21* $583 $1,170 $1,518
State CoBen Allowances
Bargaining Units One-Party Two-Party Family
2, 7, 16*, 17*, 18, and 19* $630 $1,245 $1,623
8* $667 $1,281 $1,660
Excluded Employees $668 $1,293 $1,673

* These bargaining units have health contribution language set in statute.

State Employer Health Benefit Contributions

Active CSU Members

  • All Employees (Except Unit 6) - One-Party: $734; Two-Party: $1,398; Family: $1,788
  • Unit 6 - One-Party: $739; Two-Party: $1,408; Family: $1,808
State CoBen Allowances

Consolidated Benefits (CoBen) is the employer-provided benefit allowance to offset the cost of health, dental, and vision benefits. For more information, visit CalHR. Check with your employer to determine your contribution amount.

COBRA Rates

If you have continued health coverage through the Consolidated Omnibus Budget Reconciliation Act (COBRA), contact your employer for your monthly premium rate. Refer to COBRA for information on continuing health coverage for yourself and your dependents if you involuntarily lose your health benefits.

COBRA rates are calculated at 102% of the Basic premiums, but some carriers may charge less than these maximum amounts.

State Rates for January 1, 2019 to December 31, 2019

Plan Name Single 2-Party Family
Anthem EPO Del Norte $780.08 $1,560.15 $2,028.20
Anthem Select HMO $757.75 $1,515.50 $1,970.14
Anthem Traditional HMO $1,055.17 $2,110.34 $2,743.44
Blue Shield Access+ $815.01 $1,630.02 $2,119.03
Blue Shield EPO $815.01 $1,630.02 $2,119.03
CAHP $711.41 $1,381.09 $1,806.34
CCPOA - North $770.06 $1,543.40 $2,083.74
CCPOA - South $634.99 $1,273.22 $1,720.42
Health Net Salud y Más $384.43 $768.86 $999.51
Health Net SmartCare $743.27 $1,486.55 $1,932.51
Kaiser (CA) $722.56 $1,445.12 $1,878.65
Kaiser (Out-of-State)1 $983.97 $1,967.95 $2,558.33
PERS Choice $780.08 $1,560.15 $2,028.20
PERS Select $502.08 $1,004.17 $1,305.42
PERSCare $948.49 $1,896.98 $2,466.06
PORAC $789.48 $1,655.46 $2,117.52
Sharp $605.53 $1,211.07 $1,574.39
UnitedHealthcare $709.69 $1,419.37 $1,845.18
Western Health Advantage $720.93 $1,441.85 $1,874.40

1These premiums cover all Kaiser out-of-state areas.

View the 2019 COBRA rates by region (PDF).

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:

  • Bay Area Rates (PDF) - View rates for Alameda, Amador, Contra Costa, Marin, Napa, Nevada, San Francisco, San Joaquin, San Mateo, Santa Clara, Santa Cruz, Solano, Sonoma, Sutter, and Yuba.
  • Los Angeles Area Rates (PDF) - View rates for Los Angeles, San Bernardino, and Ventura.
  • Other Northern California Rates (PDF) - View rates for Alpine, Butte, Calaveras, Colusa, Del Norte, Glenn, Humboldt, Lake, Lassen, Mariposa, Mendocino, Merced, Modoc, Mono, Monterey, Plumas, San Benito, Shasta, Sierra, Siskiyou, Stanislaus, Tehama, Trinity, and Tuolumne.
  • Other Southern California Rates (PDF) - View rates for Fresno, Imperial, Inyo, Kern, Kings, Madera, Orange, Riverside, San Diego, San Luis Obispo, Santa Barbara, and Tulare.
  • Out-of-State Rates (PDF) - View rates for health plans available outside of California.
  • Sacramento Area Rates (PDF) - View rates for El Dorado, Placer, Sacramento, and Yolo.
Employer Contribution Amounts

Contributions vary by employer. Contact your employer to find out how much they contribute toward your monthly premium rate.

COBRA Rates

If you have continued health coverage through the Consolidated Omnibus Budget Reconciliation Act (COBRA), contact your employer for your monthly premium rate. Refer to COBRA for information on continuing health coverage for yourself and your dependents if you involuntarily lose your health benefits.

Health Plans

2018

Blue Shield EPO is available only in Colusa, Mendocino, and Sierra counties.

Administrator: Blue Shield of California
Offers Medicare? No
Directory: Find a Doctor

Basic Publications

You must belong to the specific employee association and pay applicable dues to enroll in the California Association of Highway Patrolmen (CAHP).

Administrator: Anthem Blue Cross
Offers Medicare? Yes
Directory: Find a Doctor

Basic Publications

Medicare Publications

You must belong to the specific employee association and pay applicable dues to enroll in the California Correctional Peace Officers Association (CCPOA). The CCPOA plan is available only to dues-paying members of that organization and their families.

Administrator: Blue Shield of California
Offers Medicare? Yes
Directory: Find a Doctor

Basic Publications

Medicare Publications

You must belong to the specific employee association and pay applicable dues to enroll in the Peace Officers Research Association of California (PORAC). This plan is available outside of California. Refer to the plan's Evidence of Coverage for service area information.

Administrator: Anthem Blue Cross
Offers Medicare? Yes
Directory: Find a Doctor

Basic Publications

Medicare Publications

Medicare publications will be available soon.

2019

Anthem Blue Cross EPO is available only in Del Norte county.

Administrator: Anthem Blue Cross
Offers Medicare? No
Prescription Drug Services: OptumRx
Directory: Find A Doctor, Pharmacy, Hospital or Urgent Care Center

Basic Publications

Blue Shield EPO is available only in Colusa, Mendocino, and Sierra counties.

Administrator: Blue Shield of California
Offers Medicare? No
Directory: Find a Doctor

Basic Publications

You must belong to the specific employee association and pay applicable dues to enroll in the California Association of Highway Patrolmen (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. Contact us at 888 CalPERS (or 888-225-7377) for further assistance.

Administrator: Anthem Blue Cross
Offers Medicare? Yes
Directory: Find a Doctor

Basic Publications

Medicare Publications

You must belong to the specific employee association and pay applicable dues to enroll in the California Correctional Peace Officers Association (CCPOA). The CCPOA plan is available only to dues-paying members of that organization and their families.

Administrator: Blue Shield of California
Offers Medicare? Yes
Directory: Find a Doctor

Basic Publications

Medicare Publications

You must belong to the specific employee association and pay applicable dues to enroll in the Peace Officers Research Association of California (PORAC). This plan is available outside of California. Refer to the plan's Evidence of Coverage for service area information.

Administrator: Anthem Blue Cross
Offers Medicare? Yes
Directory: Find a Doctor

Basic Publications

Medicare Publications

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 plans' PPO network of preferred providers. You're not required to select a primary care physician.
  • 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.

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