Region J – 2025 COBRA Health Rates

Monthly Premiums

Plan Option*EmployeeFamilyEmployee + SpouseEmployee + Child(ren)
Plan 1$809$2672$1619$1377
Plan 2$729$2405$1457$1239
Plan 3$562$1854$1124$955
Plan 4$557$1841$1115$948
* To determine the deductible amounts, out-of-pocket maximums, and coinsurance percentages for each plan option, please consult the detailed chart below.

Rates effective for rate region J. Estimated annual 2025-2027 regional rating factor = +10.5%.

Please see the 2025 rate announcement page for additional details regarding the 2025 rate changes.

PlanPlan 1Plan 2* Plan 3Plan 4
Medical Deductible
Individual
$500$1000$3300$3500
Medical Deductible
Family
$1000$2000$6600$7000
Member Cost Share (Co-Insurance) for Covered Medical Expenses After Deductible10% In-Network
30% Non-Network
15% In-Network
30% Non-Network
20% In-Network
30% Non-Network
20% In-Network
50% Non-Network
Medical Out-of-Pocket Maximum
Individual
$1500$3000$5100$6000
Medical Out-of-Pocket Maximum
Family
$3000$6000$10200$12000
Rx Out-of-Pocket Maximum
Individual
$1000$1000Applied to Medical Deductible; then Plan pays 100%$500
Rx Out-of-Pocket Maximum
Family
$2000$2000Applied to Medical Deductible; then Plan pays 100%$1000
Total Plan Out-of-Pocket Maximum
Individual
$2500$4000$5100$6500
Total Plan Out-of-Pocket Maximum
Family
$5000$8000$10200$13000

* Please note: Plan 3 is a Health Savings Account (HSA)-compliant High Deductible Health Plan (HDHP). Benefits and coverage under Plan 3 may be different from other plan options. Please consult the Plan 3 Summary Plan Description for additional details or contact the Benefit Plans Office.