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2026MetroHSA Eligible
Basic B - Metro HSA + HRA
Oxford/UHC • Oxford Metro
Lowest premium HSA plan with employer HRA contribution. Best for healthy individuals who want minimal premiums and can use the Metro network.
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
Coinsurance50/50
Copays
Copays do not apply before deductible
PCP Visit
$40
Specialist
$60
Urgent Care
Deductible + 50%
Emergency Room
100 + Deductible + 50%
Imaging
Deductible + 50%
Labs
Deductible + 50%
Prescription Coverage
Medical deductible applies to prescriptions
Tier 1 (Generic)
$25
Tier 2 (Preferred)
$50
Tier 3 (Specialty)
$75
Network Note: Metro network - smaller network, excludes CVS pharmacies
What Changed from 2025?
Year-Over-Year Comparison
Basic Plan (HRA)
→Basic B - Metro HSA + HRA
1
Improvements
0
Increases
2
Other Changes
Insurance Carrier
Cigna→Oxford/UHC
Network
Cigna Open Access→Oxford Metro
Coinsurance
70/30→50/50
Summary
3 changes: 1 decrease.
Plan Highlights
- Lowest weekly premiums
- HSA eligible - triple tax advantage
- Employer HRA: $1,000 / $2,000
- HRA can offset deductible costs
Things to Consider
- Smallest network (Metro)
- CVS pharmacies excluded
- Highest coinsurance: 50/50
- Highest deductible: $2,500 / $5,000