Use the Employee Benefits Guide to compare your options, plan costs, and potential savings.
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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 | |
|---|
| HDHP Employee Only | $738.74 | $714.50 | $24.24 |
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| HDHP Employee + Spouse | $1,423.76 | $1,278.04 | $145.72 |
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| HDHP Employee + Child(ren) | $1,306.08 | $1,251.08 | $55.00 |
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| HDHP Employee + Family | $1,989.64 | $1,757.42 | $232.22 |
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| Copay Basic Employee Only | $737.88 | $701.92 | $35.96 |
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| Copay Basic Employee + Spouse | $1,483.08 | $1,304.44 | $178.64 |
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| Copay Basic Employee + Child(ren) | $1,355.06 | $1,288.96 | $66.10 |
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| Copay Basic Employee + Family | $2,098.64 | $1,847.36 | $251.28 |
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| Copay Plus Employee Only | $753.66 | $668.60 | $85.06 |
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| Copay Plus Employee + Spouse | $1,514.92 | $1,245.98 | $268.94 |
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| Copay Plus Employee + Child(ren) | $1,384.16 | $1,236.34 | $147.82 |
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| Copay Plus Employee + Family | $2,143.76 | $1,735.68 | $408.08 |
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Kaiser Permanente Medical Insurance: State Contribution versus Employee Contribution Premiums| Tier | Total Premium | State Contribution | Employee Contribution |
|---|
| HDHP Employee Only | $611.74 | $585.96 | $25.78 |
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| HDHP Employee + Spouse | $1,212.40 | $1,055.86 | $156.54 |
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| HDHP Employee + Child(ren) | $1,103.58 | $1,052.26 | $51.32 |
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| HDHP Employee + Family | $1,704.20 | $1,507.18 | $197.02 |
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| Copay Basic Employee Only | $634.64 | $599.84 | $34.80 |
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| Copay Basic Employee + Spouse | $1,324.98 | $1,152.74 | $172.24 |
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| Copay Basic Employee + Child(ren) | $1,199.14 | $1,133.56 | $65.58 |
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| Copay Basic Employee + Family | $1,890.60 | $1,606.48 | $284.12 |
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| Copay Plus Employee Only | $670.44 | $616.02 | $54.42 |
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| Copay Plus Employee + Spouse | $1,400.04 | $1,155.22 | $244.82 |
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| Copay Plus Employee + Child(ren) | $1,267.06 | $1,150.82 | $116.24 |
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| Copay Plus Employee + Family | $1,997.86 | $1,610.06 | $387.80 |
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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 | $37.60 | $33.16 | $4.44 |
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| Basic Employee + Spouse | $70.80 | $54.52 | $16.28 |
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| Basic Employee + Child(ren) | $74.28 | $59.04 | $15.24 |
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| Basic Employee + Family | $107.48 | $79.50 | $27.98 |
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| Basic Plus Employee Only | $42.96 | $33.16 | $9.80 |
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| Basic Plus Employee + Spouse | $81.26 | $54.52 | $26.74 |
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| Basic Plus Employee + Child(ren) | $85.28 | $59.04 | $26.24 |
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| Basic Plus Employee + Family | $123.56 | $79.50 | $44.06 |
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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 |
|---|
| Basic Employee Only | $3.18 | $3.18 | $0 |
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| Basic Employee + Spouse | $6.06 | $6.06 | $0 |
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| Basic Employee + Child(ren) | $6.38 | $6.38 | $0 |
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| Basic Employee + Family | $9.38 | $9.38 | $0 |
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| Enhanced Employee Only | $7.58 | $3.18 | $4.40 |
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| Enhanced Employee + Spouse | $14.42 | $6.06 | $8.36 |
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| Enhanced Employee + Child(ren) | $15.18 | $6.38 | $8.80 |
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| Enhanced Employee + Family | $22.30 | $9.38 | $12.92 |
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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 | $0.001 | $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.
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/month per family unit
- Option 2 Coverage of $10,000: $1.00/month per family unit
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COBRA Rates
FY 2022-23 State of Colorado COBRA Medical Premiums July 1, 2022 - June 30, 2023| Benefit Plan | Tier | Premium | Total Premium* | |
|---|
| HDHP HSA qualified plan (Cigna) | Employee Only | $738.74 | $753.51 | $1,108.11 |
|---|
| HDHP HSA qualified plan (Cigna) | Employee + Spouse | $1,423.76 | $1,452.24 | $2,135.64 |
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| HDHP HSA qualified plan (Cigna) | Employee + Child(ren) | $1,306.08 | $1,332.20 | $1,959.12 |
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| HDHP HSA qualified plan (Cigna) | Employee + Family | $1,989.64 | $2,029.43 | $2,984.46 |
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| Copay Basic (Cigna) | Employee Only | $737.88 | $752.64 | $1,106.82 |
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| Copay Basic (Cigna) | Employee + Spouse | $1,483.08 | $1,512.74 | $2,224.62 |
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| Copay Basic (Cigna) | Employee + Child(ren) | $1,355.06 | $1,382.16 | $2,032.59 |
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| Copay Basic (Cigna) | Employee + Family | $2,098.64 | $2,140.61 | $3,147.96 |
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| Copay Plus (Cigna) | Employee Only | $753.66 | $768.73 | $1,130.49 |
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| Copay Plus (Cigna) | Employee + Spouse | $1,514.92 | $1,545.22 | $2,272.38 |
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| Copay Plus (Cigna) | Employee + Child(ren) | $1,384.16 | $1,411.84 | $2,076.24 |
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| Copay Plus (Cigna) | Employee + Family | $2,143.76 | $2,186.64 | $3,215.64 |
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| HDHP HSA qualified plan (Kaiser Permanente) | Employee Only | $611.74 | $623.97 | $917.61 |
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| HDHP HSA qualified plan (Kaiser Permanente) | Employee + Spouse | $1,212.40 | $1,236.65 | $1,818.60 |
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| HDHP HSA qualified plan (Kaiser Permanente) | Employee + Child(ren) | $1,103.58 | $1,125.65 | $1,655.37 |
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| HDHP HSA qualified plan (Kaiser Permanente) | Employee + Family | $1,704.20 | $1,738.28 | $2,556.30 |
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| Copay Basic (Kaiser Permanente) | Employee Only | $634.64 | $647.33 | $951.96 |
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| Copay Basic (Kaiser Permanente) | Employee + Spouse | $1,324.98 | $1,351.48 | $1,987.47 |
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| Copay Basic (Kaiser Permanente) | Employee + Child(ren) | $1,199.14 | $1,223.12 | $1,798.71 |
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| Copay Basic (Kaiser Permanente) | Employee + Family | $1,890.60 | $1,928.41 | $2,835.90 |
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| Copay Plus (Kaiser Permanente) | Employee Only | $670.44 | $683.85 | $1,005.66 |
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| Copay Plus (Kaiser Permanente) | Employee + Spouse | $1,400.04 | $1,428.04 | $2,100.06 |
|---|
| Copay Plus (Kaiser Permanente) | Employee + Child(ren) | $1,267.06 | $1,292.40 | $1,900.59 |
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| Copay Plus (Kaiser Permanente) | Employee + Family | $1,997.86 | $2,037.82 | $2,996.79 |
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COBRA Vision Premiums EyeMed Vision Basic| Tier | Premium | Total | Disability |
|---|
| Employee Only | $3.18 | $3.24 | $4.77 |
|---|
| Employee + Spouse | $6.06 | $6.18 | $9.09 |
|---|
| Employee + Child(ren) | $6.38 | $6.51 | $9.57 |
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| Employee + Family | $9.38 | $9.57 | $14.07 |
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COBRA Vision Premiums EyeMed Vision Enhanced| Tier | Premium | Total | Disability |
|---|
| Employee Only | $7.58 | $7.73 | $11.37 |
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| Employee + Spouse | $14.42 | $14.71 | $21.63 |
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| Employee + Child(ren) | $15.18 | $15.48 | $22.77 |
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| Employee + Family | $22.30 | $22.75 | $33.45 |
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COBRA Dental Premiums - Delta Dental Basic| Tier | Premium | Total | Disability |
|---|
| Employee Only | $37.60 | $38.35 | $56.40 |
|---|
| Employee + Spouse | $70.80 | $72.22 | $106.20 |
|---|
| Employee + Child(ren) | $74.28 | $75.77 | $111.42 |
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| Employee + Family | $107.48 | $109.63 | $161.22 |
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COBRA Dental Premiums - Delta Dental Basic Plus| Tier | Premium | Total | Disability |
|---|
| Employee Only | $42.96 | $43.82 | $64.44 |
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| Employee + Spouse | $81.26 | $82.89 | $121.89 |
|---|
| Employee + Child(ren) | $85.28 | $86.99 | $127.92 |
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| Employee + Family | $123.56 | $126.03 | $185.34 |
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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.
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