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2026LibertyHSA Eligible
Basic A - Liberty HSA
Oxford/UHC • Oxford Liberty
HSA-eligible high-deductible plan with lower premiums than Basic B but no HRA. Best for those who want to maximize HSA contributions.
Weekly Premiums
Single
$69/wk
$3,588/year
Employee + Spouse
$144/wk
$7,488/year
Employee + Child(ren)
$120/wk
$6,240/year
Family
$209/wk
$10,868/year
Deductibles & Out-of-Pocket Maximum
Deductible
Single$2,000
Family$4,000
Out-of-Pocket Max
Single$5,000
Family$10,000
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
Network Note: Liberty network - broad Oxford network access
What Changed from 2025?
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
- HSA eligible - triple tax advantage
- Lower premiums than Basic B
- Lower OOP max: $5,000 / $10,000
- Oxford Liberty network
Things to Consider
- No employer HRA contribution
- Must meet deductible before coverage
- Medical deductible applies to Rx