Health Plan Options
ACERA offers a range of healthcare plan options to ACERA retirees, dependents, and survivors who are receiving a monthly pension benefit from ACERA. Members can enroll family members in coverage. Members who qualify can receive subsidies to offset health plan costs (though not for family members). The plans available, their coverage levels and costs, are subject to change from year-to-year. A summary list of plans and costs is below. Find the full plan details in the Retiree Enrollment Guide.
Medical Plans
2025 Non-Medicare Plans and Costs
Available to members who are under age 65 and not yet eligible for Medicare. If you are 65 an older, you must enroll in Medicare Part B and select a Medicare Plan in the next section to enroll in medical coverage through ACERA.
| Plan | Self Premium | Self + 1 | Family | Co-pays |
|---|---|---|---|---|
| Kaiser Permanente HMO | $1,097.88 | $2,195.76 | $3,107.04 | $15 |
| UnitedHealthcare SignatureValue HMO | $1,594.36 | $3,189.80 | $4,514.06 | $15 |
| UnitedHealthcare SignatureValue Advantage HMO | $1,042.48 | $2,085.04 | $2,950.20 | $15 |
| Via Benefits individual plan if you live outside group plan service areas | Varies | Varies | Varies | Varies |
2025 Medicare Plans and Costs
Available to members who are eligible for Medicare (generally those over age 65 or with certain qualifying medical conditions). If you are age 65 or older, you must enroll in Medicare Part B and select one of these plans to enroll in medical coverage through ACERA. Learn more about Medicare and ACERA’s medical plans on our Medicare page.
| Plan | Self Premium |
Self + 1 2 w/ Medicare |
Self + 1 1 w/ Medicare |
Family 2 w/ Medicare |
Family 1 w/ Medicare |
|---|---|---|---|---|---|
| Kaiser Permanente HMO | $375.22 | $750.44 | $1,473.10 | $1,661.72 | $2,384.38 |
| Via Benefits individual plan if you live outside group plan service areas | Varies | Varies | Varies | Varies | Varies |
To enroll in an ACERA-sponsored Medicare plan, you must first sign up for and maintain enrollment in Medicare Part B. Members who qualify can receive a Medicare Part B Reimbursement to offset the cost of being enrolled in Medicare Part B. See the Medicare and ACERA page for more information on how ACERA plans work with Medicare.
Dental and Vision Plans
ACERA’s dental and vision plans provide participants with access to coverage through a nationwide network of providers. Monthly premiums are subsidized and enrollment is mandatory for retirees who have:
- 10+ years of ACERA service credit
- Service-connected disability
- Non-service-connected disability retirement prior to 2/1/2014
Retired members with less than 10 years of ACERA service credit and other payees may enroll in a voluntary plan which offers the same coverage, but no subsidy is available.
Reciprocal Service Doesn’t Count Toward the Service Credit Requirement for the Dental and Vision Subsidy
When planning your retirement, it’s important to understand that reciprocal service credit does not count toward the service credit required to be eligible for the dental and vision subsidies or any of the healthcare benefits. Reciprocal service credit is service credit you earned working for another public agency in California before or after your active membership with ACERA, and where you’ve linked the retirement systems together by establishing reciprocity. Service credit you earned in another retirement system could possibly be used to establish healthcare benefits with that system; contact that other retirement system to learn about what healthcare benefits they offer.
2025 Dental Plans and Costs
- DeltaCare USA HMO Plan Summary
- Delta Dental PPO Plan Summary
- Delta Dental Dual Coverage Flyer
- How to Get a Pre-Estimate for the Cost of a Dental Procedure
10+ Years ACERA Service Credit or 2 & 3 Above
Mandatory Enrollment
| Plan | Self Premium / Subsidy | Self + 1 | Family |
|---|---|---|---|
| Delta Dental PPO (Nationwide) |
$51.05 Subsidy |
$99.02 |
$174.43 |
| DeltaCare USA (CA Only) |
$22.18 Subsidy |
$36.64 | $54.13 |
Less Than 10 Years ACERA Service Credit
Voluntary Enrollment
| Plan | Self Premium | Self + 1 | Family |
|---|---|---|---|
| Delta Dental PPO (Nationwide) |
$74.60 |
$121.82 |
$195.94 |
| DeltaCare USA (CA Only) | $31.05 | $45.51 | $63.00 |
2025 Vision Plans and Costs
10+ Years ACERA Service Credit or 2 & 3 Above
Enrollment is mandatory for the VSP Standard plan at minimum. Members can buy up into the VSP Premium plan, but the subsidy will remain at $4.63, so premium plan enrollees pay the difference between their premium and the subsidy.
| Plan | Self Premium | Self + 1 | Family |
|---|---|---|---|
| VSP Standard |
$4.63 Subsidy |
$6.73 |
$12.08 |
| VSP Premium |
$16.63 |
$24.15 |
$43.36 |
Less Than 10 Years ACERA Service Credit
Voluntary Enrollment
| Plan | Self Premium | Self + 1 | Family |
|---|---|---|---|
| VSP Standard |
$6.69 |
$9.70 |
$17.42 |
| VSP Premium |
$18.43 |
$26.77 |
$48.07 |