ERS Annual Enrollment - Health Insurance
Plan Year FY2024
The Consumer Directed HealthSelect plan is made up of two parts:
- High-Deductible Health Plan: Covers preventive services at 100% but carries higher deductibles and out-of-pocket maximums than the regular HealthSelect plan.
- Health Savings Account: Allows you to put tax-free funds aside for medical expenses.
Premium contribution rates for the Consumer Directed Health Select portion of the plan will be as follows:
| Total | State Pays | Member Pays | |
|---|---|---|---|
| Member Only | 624.82 | 624.82 | 0 |
| Member & Spouse | 1305.02 | 982.82 | 322.20 |
| Member & Child(ren) | 1080.24 | 864.52 | 215.72 |
| Member & Family | 1760.44 | 1222.52 | 537.92 |
| Total | State Pays | Member Pays | |
|---|---|---|---|
| Member Only | 624.82 | 312.41 | 312.41 |
| Member & Spouse | 1305.02 | 491.41 | 813.61 |
| Member & Child(ren) | 1080.24 | 432.26 | 647.98 |
| Member & Family | 1760.44 | 611.26 | 1149.18 |
Health Savings Account (HSA)
Please note that the "State Pays" contribution includes an HSA payment into a tax-free savings account for your use for qualifying health expenses. In addition to the state contribution, you can have pre-tax money from your paycheck put into your HSA, lowering your overall tax burden.
You can receive the "State Pays" contribution if you are:
- enrolled in Consumer Directed HealthSelect,
- eligible for a poriton of your health premium to be paid by the state, and
- not eligible for Medicare.
| State Pays | |
| You Only | $45 per month |
| You + Spouse | $90 per month |
| You + Children | $90 per month |
| You + Family | $90 per month |
Not sure if this plan is for you? ERS has provided a Health Plan Cost Estimator to help you identify the differences between Health Select and Consumer-Directed Health Select.
Please refer to the Consumer Directed Health Select website for a comprehensive look at this plan option. You can also call toll-free at (866) 336-9371, TTY: 711, Monday – Friday, 8 a.m. – 7 p.m. CT.