2026 Benefits

HDHP Medical Plan

High Deductible Health Plan paired with an HSA — lower premium, higher deductible.

Plan Details

HDHP (High Deductible Health Plan) is offered through Cigna on the Cigna OAP network. Review the details below to understand your coverage, costs, and pharmacy benefits.

HSA Eligible

Yes

FSA Eligible

Limited Use FSA only

HRA Included

Eligible States

All states

Semimonthly Payroll Contribution

Coverage Tier	Employee Cost
Employee Only	$67.12
Employee + Spouse	$227.42
Employee + Children	$200.84
Family	$298.30

Employee Only

Employee Cost$67.12

Employee + Spouse

Employee Cost$227.42

Employee + Children

Employee Cost$200.84

Family

Employee Cost$298.30

Calendar Year Deductible

Tier	In-Network	Out-of-Network
Individual	$3,500	$7,000
Family	$7,000	$14,000

Individual

In-Network$3,500

Out-of-Network$7,000

Family

In-Network$7,000

Out-of-Network$14,000

Out-of-Pocket Maximum

Tier	In-Network	Out-of-Network
Individual	$5,000	$15,000
Family	$10,000	$30,000

Individual

In-Network$5,000

Out-of-Network$15,000

Family

In-Network$10,000

Out-of-Network$30,000

Coinsurance (Plan Pays)

	In-Network	Out-of-Network
After Deductible	80%	50%

After Deductible

In-Network80%

Out-of-Network50%

Covered Services

Service	In-Network	Out-of-Network
Preventive Care	Covered 100%	Not covered
Primary Care	20% after deductible	50% after deductible
Specialist Services	20% after deductible	50% after deductible
Diagnostic Care	20% after deductible	50% after deductible
Urgent Care	20% after deductible	50% after deductible
Emergency Room	20% after deductible	20% after deductible

Preventive Care

In-NetworkCovered 100%

Out-of-NetworkNot covered

Primary Care