Use the FY 2025-26 Employee Benefits Guide (English or Spanish) to compare your options, plan costs, and potential savings.
Previous Plan Years
On this page:
Your Cost for Coverage
Monthly payroll deductions for medical, dental, and vision plans are shown below. Are you paid bi-weekly? To calculate your bi-weekly premiums, divide by two. Please review this pre-tax vs post-tax document to understand the difference.
Medical Premiums: State Contribution versus Employee Contribution
Cigna Medical Insurance: State Contribution versus Employee Contribution Premiums| Tier | Total Premium | State Contribution | Employee Contribution |
|---|
| HDHP Employee Only | $934.00 | $901.00 | $33.00 |
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| HDHP Employee and Spouse | $1,823.44 | $1,641.98 | $181.46 |
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| HDHP Employee and Child(ren) | $1,670.64 | $1,598.90 | $71.74 |
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| HDHP Employee and Family | $2,558.16 | $2,269.16 | $289.00 |
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| Copay Basic Employee Only | $943.68 | $896.68 | $47.00 |
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| Copay Basic Employee and Spouse | $1,904.06 | $1,680.38 | $223.68 |
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| Copay Basic Employee and Child(ren) | $1,739.08 | $1,654.12 | $84.96 |
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| Copay Basic Employee and Family | $2,697.36 | $2,382.24 | $315.12 |
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| Copay Plus Employee Only | $983.04 | $875.54 | $107.50 |
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| Copay Plus Employee and Spouse | $1,983.46 | $1,646.40 | $337.06 |
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| Copay Plus Employee and Child(ren) | $1,811.60 | $1,623.78 | $187.82 |
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| Copay Plus Employee and Family | $2,809.84 | $2,298.06 | $511.78 |
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Kaiser Permanente Medical Insurance: State Contribution versus Employee Contribution Premiums| Tier | Total Premium | State Contribution | Employee Contribution |
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| HDHP Employee Only | $743.40 | $710.58 | $32.82 |
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| HDHP Employee and Spouse | $1,495.06 | $1,311.68 | $183.38 |
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| HDHP Employee and Child(ren) | $1,358.90 | $1,294.42 | $64.48 |
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| HDHP Employee and Family | $2,110.50 | $1,877.70 | $232.80 |
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| Copay Basic Employee Only | $786.36 | $742.66 | $43.70 |
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| Copay Basic Employee and Spouse | $1,649.36 | $1,446.16 | $203.20 |
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| Copay Basic Employee and Child(ren) | $1,492.04 | $1,410.16 | $81.88 |
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| Copay Basic Employee and Family | $2,356.46 | $2,022.42 | $334.04 |
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| Copay Plus Employee Only | $831.02 | $765.20 | $65.82 |
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| Copay Plus Employee and Spouse | $1,743.02 | $1,457.22 | $285.80 |
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| Copay Plus Employee and Child(ren) | $1,576.78 | $1,437.22 | $139.56 |
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| Copay Plus Employee and Family | $2,490.28 | $2,034.66 | $455.62 |
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Dental Premiums: State Contribution versus Employee Contribution
Delta Dental Insurance: State Contribution versus Employee Contribution Premiums| Tier | Total Premium | State Contribution | Employee Contribution |
|---|
| Basic Employee Only | $38.62 | $33.96 | $4.66 |
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| Basic Employee and Spouse | $72.56 | $55.42 | $17.14 |
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| Basic Employee and Child(ren) | $76.14 | $60.10 | $16.04 |
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| Basic Employee and Family | $110.06 | $80.62 | $29.44 |
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| Basic Plus Employee Only | $49.60 | $38.40 | $11.20 |
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| Basic Plus Employee and Spouse | $93.96 | $63.48 | $30.48 |
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| Basic Plus Employee and Child(ren) | $98.64 | $68.72 | $29.92 |
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| Basic Plus Employee and Family | $143.00 | $92.80 | $50.20 |
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Vision Premiums: State Contribution versus Employee Contribution
EyeMed Vision Insurance: State Contribution versus Employee Contribution Premiums| Tier | Total Premium | State Contribution | Employee Contribution |
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| Basic Employee Only | $2.90 | $2.90 | $0 |
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| Basic Employee and Spouse | $5.52 | $5.52 | $0 |
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| Basic Employee and Child(ren) | $5.82 | $5.82 | $0 |
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| Basic Employee and Family | $8.54 | $8.54 | $0 |
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| Enhanced Employee Only | $7.30 | $2.90 | $4.40 |
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| Enhanced Employee and Spouse | $13.88 | $5.52 | $8.36 |
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| Enhanced Employee and Child(ren) | $14.62 | $5.82 | $8.80 |
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| Enhanced Employee and Family | $21.48 | $8.56 | $12.92 |
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Optional Long-Term Disability (LTD)
Optional Long-Term Disability (LTD) Monthly Premium Rates*| Age on December 31 of Last Year | PERA Vested Rates | PERA Non-Vested & Defined Contribution Rates |
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| Under 34 | $0.0008 | $0.0025 |
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| 35-39 | $0.0010 | $0.0030 |
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| 40-44 | $0.0013 | $0.0037 |
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| 45-49 | $0.0017 | $0.0052 |
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| 50-54 | $0.0026 | $0.0079 |
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| 55-59 | $0.0040 | $0.0118 |
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| 60-64 | $0.0055 | $0.0174 |
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| 65-69 | $0.0059 | $0.0178 |
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| 70+ | $0.0072 | $0.0216 |
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*Calculate Your LTD Premium
Example: You are 42 years old and are vested in the PERA Defined Benefit Retirement Plan with a monthly covered salary of $4,000. The PERA Vested premium rate is $0.0013 multiplied by your monthly covered salary of $4,000, which equals $5.20 per month.
Optional Life and AD&D Insurance Rates
Employee
| Age | $ Amount per $10,000 of Coverage |
|---|
| Under 30 | $0.60 |
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| 30-34 | $0.80 |
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| 35-39 | $0.80 |
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| 40-44 | $1.00 |
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| 45-49 | $1.00 |
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| 50-54 | $1.20 |
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| 55-59 | $2.60 |
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| 60-64 | $4.00 |
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| 65-69 | $8.00 |
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| 70+ | $12.20 |
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Spouse
| Age | $ Amount per $10,000 of Coverage |
|---|
| Under 30 | $0.80 |
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| 30-34 | $1.00 |
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| 35-39 | $1.20 |
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| 40-44 | $1.20 |
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| 45-49 | $1.80 |
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| 50-54 | $2.60 |
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| 55-59 | $4.60 |
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| 60-64 | $6.80 |
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| 65-69 | $13.40 |
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| 70+ | $21.20 |
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Children
- Option 1 - Coverage of $5,000: $0.50 per month per family unit
- Option 2 - Coverage of $10,000: $1.00 per month per family unit
COBRA Rates
FY 2025-26 State of Colorado COBRA Medical Premiums July 1, 2025 - June 30, 2026| Benefit Plan | Tier | Premium | Total Premium* | Disability Extension** |
|---|
| HDHP HSA qualified plan (Cigna) | Employee Only | $934.00 | $952.68 | $1,401.00 |
|---|
| HDHP HSA qualified plan (Cigna) | Employee and Spouse | $1,823.44 | $1,859.91 | $2,735.16 |
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| HDHP HSA qualified plan (Cigna) | Employee and Child(ren) | $1,670.64 | $1,704.05 | $2,505.96 |
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| HDHP HSA qualified plan (Cigna) | Employee and Family | $2,558.16 | $2,609.32 | $3,837.24 |
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| Copay Basic (Cigna) | Employee Only | $943.68 | $962.55 | $1,415.52 |
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| Copay Basic (Cigna) | Employee and Spouse | $1,904.06 | $1,942.14 | $2,856.09 |
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| Copay Basic (Cigna) | Employee and Child(ren) | $1,739.08 | $1,773.86 | $2,608.62 |
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| Copay Basic (Cigna) | Employee and Family | $2,697.36 | $2,751.31 | $4,046.04 |
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| Copay Plus (Cigna) | Employee Only | $983.04 | $1,002.70 | $1,474.56 |
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| Copay Plus (Cigna) | Employee and Spouse | $1,983.46 | $2,023.13 | $2,975.19 |
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| Copay Plus (Cigna) | Employee and Child(ren) | $1,811.60 | $1,847.83 | $2,717.40 |
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| Copay Plus (Cigna) | Employee and Family | $2,809.84 | $2,866.04 | $4,214.76 |
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| HDHP HSA qualified plan (Kaiser Permanente) | Employee Only | $743.40 | $758.27 | $1,115.10 |
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| HDHP HSA qualified plan (Kaiser Permanente) | Employee and Spouse | $1,495.06 | $1,524.96 | $2,242.59 |
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| HDHP HSA qualified plan (Kaiser Permanente) | Employee and Child(ren) | $1,358.90 | $1,386.08 | $2,038.35 |
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| HDHP HSA qualified plan (Kaiser Permanente) | Employee and Family | $2,110.50 | $2,152.71 | $3,165.75 |
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| Copay Basic (Kaiser Permanente) | Employee Only | $786.36 | $802.09 | $1,179.54 |
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| Copay Basic (Kaiser Permanente) | Employee and Spouse | $1,649.36 | $1,682.35 | $2,474.04 |
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| Copay Basic (Kaiser Permanente) | Employee and Child(ren) | $1,492.04 | $1,521.88 | $2,238.06 |
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| Copay Basic (Kaiser Permanente) | Employee and Family | $2,356.46 | $2,403.59 | $3,534.69 |
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| Copay Plus (Kaiser Permanente) | Employee Only | $831.02 | $847.64 | $1,246.53 |
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| Copay Plus (Kaiser Permanente) | Employee and Spouse | $1,743.02 | $1,777.88 | $2,614.53 |
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| Copay Plus (Kaiser Permanente) | Employee and Child(ren) | $1,576.78 | $1,608.32 | $2,365.17 |
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| Copay Plus (Kaiser Permanente) | Employee and Family | $2,490.28 | $2,540.09 | $3,735.42 |
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COBRA Vision Premiums EyeMed Vision Basic| Tier | Premium | Total | Disability |
|---|
| Employee Only | $2.90 | $2.96 | $4.35 |
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| Employee and Spouse | $5.52 | $5.63 | $8.28 |
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| Employee and Child(ren) | $5.82 | $5.94 | $8.73 |
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| Employee and Family | $8.54 | $8.71 | $12.81 |
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COBRA Vision Premiums EyeMed Vision Enhanced| Tier | Premium | Total | Disability |
|---|
| Employee Only | $7.30 | $7.45 | $10.95 |
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| Employee and Spouse | $13.88 | $14.16 | $20.82 |
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| Employee and Child(ren) | $14.62 | $14.91 | $21.93 |
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| Employee and Family | $21.48 | $21.91 | $32.22 |
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COBRA Dental Premiums - Delta Dental Basic| Tier | Premium | Total | Disability |
|---|
| Employee Only | $38.62 | $39.39 | $57.93 |
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| Employee and Spouse | $72.56 | $74.01 | $108.84 |
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| Employee and Child(ren) | $76.14 | $77.66 | $114.21 |
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| Employee and Family | $110.06 | $112.26 | $165.09 |
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COBRA Dental Premiums - Delta Dental Basic Plus| Tier | Premium | Total | Disability |
|---|
| Employee Only | $49.60 | $50.59 | $74.40 |
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| Employee and Spouse | $93.96 | $95.84 | $140.94 |
|---|
| Employee and Child(ren) | $98.64 | $100.61 | $147.96 |
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| Employee and Family | $143.00 | $145.86 | $214.50 |
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All COBRA tables:
*Includes 2% COBRA administrative fee permitted by federal COBRA regulations
**Includes 50% COBRA administrative fee permitted by federal COBRA regulations
This premium information reflects the State funding level as currently reflected in the Long Bill, which is in the final stages of the legislative process. Should these employer contribution amounts change, the State and employee contributions will be adjusted accordingly among the four coverage levels. If adjusted contributions become necessary, a revised chart will be made available on our website www.colorado.gov/dhr/benefits and sent to your department's benefits, payroll and HR staff. Watch for communication from EBU or from your department for any updates. However, do not delay your open enrollment until the last minute.
