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2025Open AccessHSA Eligible
Basic Plan (HRA)
Cigna • Cigna Open Access
High-deductible health plan with HSA eligibility and employer HRA contribution. Best for healthy individuals who want the lowest premiums and tax advantages.
Employer HRA Contribution
$1,000 (single) / $2,000 (family)
Weekly Premiums
Single
$40/wk
$2,080/year
Employee + Spouse
$119/wk
$6,188/year
Employee + Child(ren)
$99/wk
$5,148/year
Family
$173/wk
$8,996/year
Deductibles & Out-of-Pocket Maximum
Deductible
Single$2,500
Family$5,000
Out-of-Pocket Max
Single$6,450
Family$12,900
Coinsurance70/30
Copays
Copays do not apply before deductible
PCP Visit
Deductible + 30%
Specialist
Deductible + 30%
Urgent Care
Deductible + 30%
Emergency Room
Deductible + 30%
Imaging
Deductible + 30%
Labs
Deductible + 30%
Prescription Coverage
Medical deductible applies to prescriptions
Tier 1 (Generic)
$25
Tier 2 (Preferred)
$50
Tier 3 (Specialty)
$75
What Changed from 2026?
Year-Over-Year Comparison
Basic Plan (HRA)
→Basic A - Liberty HSA
5
Improvements
4
Increases
2
Other Changes
Insurance Carrier
Cigna→Oxford/UHC
Network
Cigna Open Access→Oxford Liberty
Weekly Premium (Single)
$40→$69+73%
Weekly Premium (Employee + Spouse)
$119→$144+21%
Weekly Premium (Employee + Child)
$99→$120+21%
Weekly Premium (Family)
$173→$209+21%
Deductible (Single)
$2,500→$2,000-20%
Deductible (Family)
$5,000→$4,000-20%
OOP Max (Single)
$6,450→$5,000-22%
OOP Max (Family)
$12,900→$10,000-22%
Employer HRA
$1,000 / $2,000→N/A
Summary
11 changes: 4 increases, 5 decreases.
Plan Highlights
- Lowest weekly premiums
- HSA eligible - triple tax advantage
- Employer HRA: $1,000 / $2,000
- HRA can offset deductible costs
Things to Consider
- Highest deductible: $2,500 / $5,000
- Must meet deductible before most coverage
- Medical deductible applies to Rx