OE Non-Medicare - Plan Year 2026

​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​Open Enrollment
October 1-31, 2025​​

​Insurance Premium Calculation Worksheets

​Hazardous Percentage Contribution Premium Calculation Worksheet​
Nonhazardous Percentage Contribution Premium Calculation Worksheet
Dollar Contribution Premium Calculation Worksheet
​​What you Need to Know for 2026:

• Enrollment Form Not Required: If you do not complete an enrollment form for 2026, you will be automatically enrolled in the same plan at the same level of coverage (e.g., single, parent plus, couple, or family) you have in 2025.
• You DO NOT have to enroll if you:​
• Want to keep your current health insurance plan option and level, and have no change in health insurance dependents.
• Currently waive health insurance coverage and want to continue to waive health insurance coverage.
  
• Are a Judicial, Legislators, Teachers, or KPPA return-to-work retiree under age 65 and want to keep your current health insurance plan with your employer.

• You DO have to enroll if you:
• Want to change your health insurance plan option, level, or health insurance dependents.
• Are currently enrolled in a health insurance plan in 2025 and would like to waive your coverage in 2026.
• Health Insurance Premiums and Benefits: Pick from four health insurance plan options. See below for the benefits and details for each plan.​
• Your Cost for Coverage: Depending on your individual account, your cost may not increase. See the Insurance Premium Calculation Worksheets above or below under "Contribution Amounts."​
• Hazardous Yearly Requirement: Hazardous members with insurance dependents have to complete a Form 6256​ every year. Form 6256 can be submitted with your online enrollment, uploaded using the Documents feature in Self Service, or can be faxed or mailed to KPPA. The deadline is November 30, 2025.
• ​LivingWell Promise Required: All plan holders who are 18 or older must fulfill the LivingWell Promise between January 1, 2026 and July 1, 2026 to earn premium discounts in 2027. Go to ​mycastlight.com/mybenefits​​​ to complete the online Health Assessment.
• Cross reference: Effective January 1, 2025, the cross-reference payment option is no longer available for new retirees who are not currently on a cross-reference plan.

​​Please refer to our Open Enrollment​ Book for additional information.

Plan Highlights

​​​​​​​​​​​​​​​​​​​Plan Information

• No dental or vision coverage is available for non-Medicare eligible retirees through Anthem; however, you can see optional coverage by visiting the Dental and Vision section of our Books and Guides page​.​​
• Retired members eligible for dollar contribution who do not elect coverage through KPPA may be eligible to have premiums reimbursed for insurance coverage under a non-KPPA plan. To learn more about this reimbursement program, read our FAQs​.​​

2026 Premiums​​

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Plan Options​​

Benefits Grid​

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​Contribution Amounts

To determine your cost for coverage, please refer to the worksheets below.

KPPA pays a percentage of the monthly contribution rate or a dollar amount toward insurance coverage for eligible retirees and beneficiaries. Any portion paid toward eligible spouse and dependent coverage is based on the member’s hazardous service credit.

​A percentage contribution is paid for members participating prior to July 1, 2003.

Hazardous Percentage Contribution Premium Calculation Worksheet
Use this worksheet if you meet all of the following:

• You have hazardous service or combined hazardous and nonhazardous service.
• You are a retiree or a beneficiary receiving benefits.
• Your participation date with KPPA was prior to July 1, 2003.

• You have nonhazardous service.
• You are a retiree or a beneficiary* receiving benefits.
• Your participation date with KPPA was prior to July 1, 2003.

A dollar amount is paid for members participating July 1, 2003 and after, and the retired member must meet service requirements to be eligible for insurance benefits.

• You have hazardous and nonhazardous service.
• You are a retiree or a beneficiary* receiving benefits.
  
• Your participation date with KPPA is between July 1, 2003 and August 31, 2008. You must have a minimum of 120 months of service to be eligible for insurance benefits, OR
• Your participation date with KPPA is on or after September 1, 2008. You must have a minimum of 180 months of service to be eligible for insurance benefits.
• If you have hazardous and nonhazardous service, you will receive contribution based on full years of service for each. If you have partial years of service, please contact KPPA.

*KPPA does not pay a contribution for coverage on behalf of a beneficiary. Exception: If you are​ a spouse beneficiary or a dependent child receiving a monthly benefit under the Fred Capps Memorial Act, contact KPPA.

​Current Dollar Contribution

​​​​​​*The dollar contribution increases on July 1 by 1.5%.

Dollar Contribution Formula:

Dollar Contribution Amount x Years of Service = Amount KPPA pays each month.

Hazardous Example:

If you began participating September 1, 2003 in a hazardous position and retired effective October 1, 2013, you would receive $222.70 per month towards health insurance premiums.

$22.27 x 10 years of service = $222.70

Nonhazardous Example:

If you began participating September 1, 2003 in a nonhazardous position and retired effective October 1, 2013,  you would receive $148.50 per month towards health insurance premiums.

$14.85 x 10 years of service = $148.50

If you have hazardous and nonhazardous service, you will receive a contribution based on the number of full years of service for each.

For example, if you participated in a nonhazardous position from September 1, 2003 to September 30, 2008, KPPA would pay $74.25 toward your coverage ($14.85 x 5 years of service = $74.25). If you also participated in a hazardous position from October 1, 2008 to October 1, 2013, KPPA would pay an additional $111.35 toward your coverage ($22.27 x 5 years of service = $111.35).

In this example KPPA would pay a total of $185.60 per month towards your health insurance coverage
($74.2​5 + $111.35 = $185.60​).

If you have a partial year of hazardous service and a partial year of nonhazardous service, they can be combined to equal a full year of nonhazardous service credit for contribution purposes.

For example if you have 9 years and 6 months of nonhazardous service and 6 months of hazardous service, your insurance contribution will be based on 10 years of nonhazardous service. You will receive $148.50 per month towards health insurance premiums.

If you need assistance determining your cost for coverage, please contact KPPA at 1-800-928-4646.

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