Choose the right health plan for your needs
Don't worry if health insurance feels confusing — we'll walk you through everything step by step. Answer a few simple questions about your healthcare needs, and we'll show you which plan saves you the most money.
Kayco Benefits Portal
2025-2026 Open Enrollment
How to Choose Your Plan
Don't feel overwhelmed. Follow these four simple steps and you'll have your perfect plan picked in under 10 minutes.
Key Terms You Should Know
Health insurance has its own language. Here's a plain-English guide to the terms you'll see when comparing plans.
Premium
Your regular payment
This is the amount automatically deducted from your paycheck every week to have health insurance. Think of it like a subscription fee. You pay this whether you use medical services or not.
Example
If your premium is $50/week, you pay $2,600/year just to have the insurance.
Deductible
Pay this first
The amount you must pay out of your own pocket before your insurance starts helping with costs. Once you hit this amount, insurance kicks in.
Example
With a $2,000 deductible, you pay the first $2,000 of medical bills yourself. After that, insurance starts sharing the cost.
Coinsurance
Your share after deductible
After meeting your deductible, you and your insurance split costs. Coinsurance is shown as a ratio like 80/20, meaning insurance pays 80% and you pay 20%.
Example
For a $1,000 bill after deductible with 80/20 coinsurance: Insurance pays $800, you pay $200.
Out-of-Pocket Maximum
Your yearly spending cap
The most you'll ever have to pay in a year. Once you reach this limit, insurance covers 100% of covered services for the rest of the year. This protects you from catastrophic costs.
Example
With a $6,000 OOP max, even if you have $100,000 in medical bills, you'll never pay more than $6,000.
HSA (Health Savings Account)
Tax-free medical savings
A special savings account where money goes in tax-free, grows tax-free, and comes out tax-free when used for medical expenses. Only available with high-deductible plans. The money is yours forever and rolls over each year.
Example
If you're in the 30% tax bracket and contribute $3,000 to an HSA, you save $900 in taxes!
Copay
Fixed fee per visit
A set dollar amount you pay for certain services, regardless of the actual cost. Common for doctor visits and prescriptions. Some plans have copays even before meeting your deductible.
Example
A $30 copay for a doctor visit means you pay $30 whether the visit actually costs $100 or $300.
3
2025 Plans (Current)
4
2026 Plans (New!)
3
HSA-Eligible Plans
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Lowest Est. Annual Cost
Available Plans at a Glance
Click any plan to see detailed benefits, or use the Cost Modeling tool to see how they compare for your specific situation.
2025 Plans
Cigna Network • Current Coverage
2026 Plans
Oxford Network • New for Open Enrollment!
Common Questions
Quick answers to help you make your decision
What's the difference between 2025 and 2026 plans?
The 2026 plans use a new network (Oxford instead of Cigna), may have different deductibles and premiums, and include updated benefits. The Cost Modeling tool will show you exactly how costs compare for your situation.
Should I choose the plan with the lowest premium?
Not necessarily! A lower premium often means higher deductibles and out-of-pocket costs. If you expect to use healthcare regularly, a higher premium plan with lower deductibles might save you money overall. Use our Cost Modeling tool to see your true total cost.
What is an HSA and why does it matter?
An HSA (Health Savings Account) lets you save pre-tax money for medical expenses. The money is yours forever, grows tax-free, and can be used tax-free for qualified medical expenses. Only high-deductible plans qualify for HSAs. If you're in a high tax bracket, the tax savings can be substantial.
How accurate are the cost estimates?
Our estimates are based on the healthcare usage you enter. They're most accurate when you provide realistic estimates of your expected doctor visits, medications, and procedures. The tool also factors in tax savings and employer contributions to give you a complete picture.
Still have questions? Contact HR