Open Enrollment for Employers
Open Enrollment takes place each fall. 2024 Open Enrollment dates will be announced in March.
Sign up for Employer Bulletins to stay up-to-date on Open Enrollment information.
Health Plan Changes for 2025Visit the Annual Health Plan Changes for details on health plan and benefit design changes for 2025.
Dental & Vision
View Dental & Vision Benefits for details on how your employees can make changes to their dental and vision plan outside of Open Enrollment.
To register for a class, log in to your myCalPERS business partner account, then select Education. Participate in the Health Business Rules class to increase your understanding of the following:
- Eligibility & enrollment requirements
- Health Plan options
- Health benefits into retirement
- Best ways to manage resources
The information below outlines roles and responsibilities for processing enrollment transactions for your employees.
Contracting public agencies, schools, and state agencies, along with their active employees, can make online health enrollment changes. When your employees use this functionality, you do not need to collect the HBD-12.
Use of the functionality is at the discretion of your agency and does not change your roles and responsibilities as outlined below.
Health Benefits Officer Role
As the designated health benefits officer or assistant health benefits officer, you're the authorized point of contact to process CalPERS health transactions and provide health eligibility and enrollment information to your employees.
To ensure successful ongoing CalPERS health benefits and communication, all employees should:
- Have a myCalPERS account.
- Maintain a current email address, health eligibility ZIP code, and communication preference.
- Submit supporting documentation needed to verify their dependents.
- Confirm their new health plan and monthly premium adjustments in their paycheck.
Verify and Maintain Supporting Documentation
You have a fiduciary responsibility to manage the CalPERS Health Program by ensuring that only eligible employees and their dependents are covered. Employers are responsible for obtaining and maintaining records of all supporting documentation that determines the eligibility of enrolled dependents. At the time of enrollment – or anytime thereafter – you have the right to request additional supporting documentation needed to verify a dependent's eligibility.
To find a list of eligible dependent types and for additional information, refer to the Health Program Guide (PDF).
Submitting and Approving Transactions
All health enrollment transactions should be submitted through myCalPERS. If your employees are using online health enrollments self-service, you will need to review and approve those transactions in myCalPERS. Early submission and approval will ensure timely processing of health plan ID cards and proper payroll deductions. For more information on adding and updating health transactions view our myCalPERS Student Guides.
During Open Enrollment, you're responsible for submitting transactions for former employees or their dependents enrolled in COBRA continuation coverage who want to change or cancel health plans or add/delete eligible dependents.
Employees on Leave of Absence
You're also responsible for submitting transactions during Open Enrollment for employees on a leave of absence who want to change plans or add/delete dependents. Employees who do not change plans or add/delete dependents during Open Enrollment may do so within 60 days from the date they return to regular pay status.
You can rescind health transactions when the effective date of the transaction occurs in the future. For example, before the January 1, 2025 effective date, if an employee decides they no longer want to change health plans, you can rescind the transaction in myCalPERS.
Rescinded transactions must be updated before the December 2024 cutoff date. Open Enrollment transactions rescinded after the December 2024 cutoff date will be adjusted during a subsequent pay period.
State and CSU Agencies
Visit the Civil Service Benefits Cutoff Calendar to view the State Controller's Office (SCO) benefit cutoff dates.
Contracting Agencies and Schools
Refer to the 2024 Health Billing Cutoff Dates, Contracting School Districts and Public Agencies (PDF) attachment linked in Circular Letter 600-004-24 for 2024 health billing cutoff dates and payment information.
Review Health Premium Adjustments
If an employee's January 1, 2024 pay warrant does not reflect the proper premium payment of a health plan change, the premium payment will be adjusted during a subsequent pay period.
Advise the employee they should've discontinued using their prior plan after December 31, 2023. Verify that myCalPERS reflects the appropriate enrollment and advise the employee that the payroll discrepancy will be resolved.
- Guide to Understanding Your Health Plan Statement
- Health & Wellness Programs by Health Plan
- Health Plan Search by ZIP Code
- myCalPERS Student Guides
- Open Enrollment for Active Members
- Plans & Rates
Forms & Publications
- 2024 Health Benefit Summary (PDF, 1.8 MB)
- Health Program Guide (PDF)
- Medicare Enrollment Guide (PDF)
- Public Agency & Schools Health Benefits Guide (PDF, 1.2 MB)
- State Health Benefits Guide (PDF, 1.3 MB)
- Your Guide to Choosing a Health Plan (PDF)
Frequently Asked Questions
- Are lump sum death benefits taxed?
The taxable portion of the Basic Death Benefit, Retired Death Benefit, Option 1 balance, and Temporary Annuity balance is subject to a mandatory 20 percent federal tax withholding rate.
The taxable portion of the lump sum death benefit can be rolled over to an individual retirement account (IRA) to avoid federal income tax withholding. Spouses can rollover to a traditional IRA and non-spouse beneficiaries can roll over to an inherited IRA.
If you received a benefit, we'll mail you a Form 1099R at the beginning of the year that lists the amount you were paid in the previous tax year. You're responsible for reporting the benefit to the IRS with your personal income taxes.