Medical Rate Breakdown 2026 6percent increase
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City of Smyrna Proposed Medical Plan Rates 2026 Employee Monthly Employee % Employer Monthly Employer % Employee Monthly EE% Employer Monthly ER% Current Count from Selerix Employe e Monthly EE% Employer Monthly ER% Employee Monthly EE% Employer Monthly ER% High Option Employee $1,173.17 $170.04 14% $1,003.13 86% $220.05 19% $953.12 81% 44 High Option Employee $1,298.23 $180.24 15% $1,117.99 85% $230.24 20% $1,067.99 80% High Option Employee + One $2,111.58 $401.09 19% $1,710.49 81% $451.10 21% $1,660.48 79% 16 High Option Employee + One $2,336.67 $425.16 20% $1,911.52 80% $475.16 23% $1,861.52 77% High Option Family $3,284.72 $623.96 19% $2,660.76 81% $673.96 21% $2,610.76 79% 16 High Option Family $3,634.87 $661.40 20% $2,973.47 80% $711.40 22% $2,923.47 78% Middle Option Employee $1,082.92 $140.83 13% $942.09 87% $190.82 18% $892.10 82% 141 Middle Option Employee $1,198.36 $149.28 14% $1,049.08 86% $199.28 18% $999.08 82% Middle Option Employee + One $1,949.15 $348.53 18% $1,600.62 82% $398.54 20% $1,550.61 80% 36 Middle Option Employee + One $2,156.93 $369.44 19% $1,787.49 81% $419.44 22% $1,737.49 78% Middle Option Family $3,032.03 $542.16 18% $2,489.87 82% $592.17 20% $2,439.86 80% 52 Middle Option Family $3,355.24 $574.69 19% $2,780.55 81% $624.69 21% $2,730.55 79% Low Option HDHP Employee $1,036.06 $98.67 10% $937.39 90% $148.68 14% $887.38 86% 28 Low Option HDHP Employee $1,146.50 $104.59 10% $1,041.91 90% $154.59 15% $991.91 85% Low Option HDHP Employee + One $1,843.04 $255.06 14% $1,587.98 86% $305.04 17% $1,538.00 83% 8 Low Option HDHP Employee + One $2,039.51 $270.36 15% $1,769.14 85% $320.36 17% $1,719.14 83% Low Option HDHP Family $2,841.17 $375.89 13% $2,465.28 87% $425.88 15% $2,415.29 85% 5 Low Option HDHP Family $3,144.04 $398.44 14% $2,745.60 86% $448.44 16% $2,695.60 84% Average 576,446.81 $ 15% 485,285.13 $ 85% 18% 82% 346 Average 637,896.04 $ 16% 541,264.66 $ 84% 19% 81% Annual 6,917,361.72$ 5,823,421.56$ Annual 7,654,752.48$ 6,495,175.91$ Difference per pay period $4.71 $11.11 $17.28 $3.90 $9.65 $15.01 $2.73 $7.06 $10.41 Max Rate Calculation Admin Spec Agg Factors EE 105.63 131.00$ 11.23$ 1,180.33$ 1,428.19$ FAM 105.63 481.43$ 11.23$ 2,865.03$ 3,463.32$ 213 764,826.03$ 133 9,177,912.36$ 346 Expected Rate Calculation Admin Spec Agg Factors EE 105.63 131.00$ 11.23$ 944.26$ 1,192.12$ FAM 105.63 481.43$ 11.23$ 2,292.02$ 2,890.31$ 213 638,332.79$ 133 7,659,993.48$ 346 Smoker surcharge: $50 per month per tier CURRENT 2025 Breakdown 2026 Option 6% EE Contribution Increase Non-Smoker with Wellness Credit $78.48 $185.12 Plan Tier Monthly Premiums Monthly Premiums Non-Smoker Smoker Non-Smoker with Wellness Credit Smoker with Wellness Credit Employee Per Pay Period Employee Per Pay Period $83.19 $196.56 Non-Smoker Smoker $117.72 $173.49 Smoker with Wellness Credit $101.56 $208.20 $311.06 $88.07 $183.94 $273.31 $160.86 $250.23 Smoker surcharge: $50 per month per tier Plan Employee Per Pay Period $45.54 Employee + One Family Middle Option Low Option HDHP Tier High Option Employee Per Pay Period Family Employee Employee + One Family $287.98 $65.00 Employee Employee + One Employee Plan Tier Plan Tier High Option Employee Middle Option Employee Family $68.62 $140.79 $106.27 Employee + One $196.23 $219.30 Family $305.26 $328.34 $68.90 $91.98 Employee + One $170.51 $193.59 $265.24 $288.32 Low Option HDHP Employee $48.27 $71.35 Employee + One $124.78 $147.86 Family $183.90 $206.97