The Teacher Retirement System Board of Trustees approved increased premium rates for ActiveCare for the upcoming school year. The chart at the bottom of this page shows the current and new rates, but does not reflect the amount contributed by the state and local school district (which must by law total at least $225). The board also approved plan design changes (also noted below) and considered the future of ActiveCare 2.

TCTA is very concerned about the ongoing and harmful increases in premium rates with no corresponding increase in state contributions toward health insurance costs. We encourage our members to contact legislators to let them know how rising health care costs are affecting school employees, their families, and the teaching profession, so that they can be prepared to address this issue at the soonest possible opportunity.

Board rejects proposal to freeze ActiveCare 2 enrollment

TRS staff discussed the health care trends that are resulting in rate increases for plans across the country, and informed the Board that they may propose the elimination of ActiveCare 2 in the 2016-17 school year. They noted that ActiveCare 2, the highest level of coverage, is now experiencing the same problems that led to the elimination of ActiveCare 3 two years ago – as premiums become more expensive, healthier individuals move to the less expensive plans, leaving the costlier employees in the plan and further driving up costs in an ongoing cycle. 

A proposal was made to freeze enrollment in ActiveCare 2 for the upcoming school year (prohibiting new enrollees) as a prelude to its likely elimination the following year. TCTA opposed this proposal, testifying with our concerns about freezing entry into a popular plan on such short notice. We also expressed concern about considering eliminating the plan with the highest level of benefits, and about the steep increases in rates. After much discussion the Board agreed not to prohibit new enrollment for ActiveCare 2 in 2015-16, and invited TCTA and other stakeholder groups to work with TRS staff on options to address health care issues.

Increase in out-of-pocket maximums

The Board also approved the following plan changes: 

  • ActiveCare 1-HD – the individual out-of-pocket maximum will increase from $6,350 to $6,450
  • ActiveCare 1-HD – the family out-of-pocket maximum will increase from $9,200 to $12,900
  • ActiveCare Select – the individual out-of-pocket maximum will increase from $6,350 to $6,600
  • ActiveCare Select – the family out-of-pocket maximum will increase from $9,200 to $13,200, and will now include pharmacy copayments, coinsurance and deductibles
  • ActiveCare 2 – the individual out-of-pocket maximum will increase from $6,000 to $6,600
  • ActiveCare 2 – the family out-of-pocket maximum will increase from $12,000 to $13,200, and will now include pharmacy copayments, coinsurance and deductibles

Increased premiums

2015-2016 Monthly Gross Premium Rates
The state and district contribution of at least $225 (some districts contribute more) is not reflected in these figures.

  Current FY 2015 Rate Proposed FY 2016 Rate
TRS-ActiveCare 1-HD    
Employee Only $325.00 $341.00
Employee and Spouse $850.00 $914.00
Employee and Child(ren) $572.00 $615.00
Employee and Family $1,145.00 $1,231.00
 
TRS-ActiveCare Select​    
Employee Only $450.00 $473.00
Employee and Spouse $1,044.00 $1,122.00
Employee and Child(ren) $709.00 $762.00
Employee and Family $1,238.00 $1,331.00
 
TRS-ActiveCare 2    
Employee Only $555.00 $614.00
Employee and Spouse $1,287.00 $1,478.00
Employee and Child(ren) $875.00 $992.00
Employee and Family $1,323.00 $1,521.00