Retiree Health Benefits

CalPERS is your Health Benefits Officer and administers health insurance coverage for CSU retirees. You may change your health plan​ online during Open Enrollment by logging onto my|CalPERS and following the instructions.

You may also call CalPERS at 888-225-7377 to make changes. Complete the CalPERS Health Enrollment Retirees (PDF) form before calling.

State Employer Contribution Amounts

The state pays a portion of your health insurance premium. You must pay the difference between the state contribution amount and the premium for the health plan in which you’re enrolled.

Your plan’s monthly premium – what’s paid by the CSU = your monthly cost

The state employer contribution amounts for 2024 are:

Coverage Level
What’s Paid by CSU Monthly
Retiree Only$983
Retiree + One
Retiree + Two or More

Find your plan’s monthly premium in one of these documents to determine your monthly cost:
CalPERS 2024 In-State Premiums (PDF)
CalPERS 2024 Out-of-State Premiums (PDF)​

New for 2024:

HealthNet Smart Care Removed from the CalPERS Health Program

Effective January 1, 2024, HealthNet Smart Care will no longer be an available health plan to CSU employees. Employees who are in this plan will need to elect a different health plan coverage during Open Enrollment. Employees currently enrolled in HealthNet Smart Care will be administratively transferred to Blue Shield Access+ effective January 1, 2024 if they don't make a plan change. Members in Napa County will be transferred to Western Health Advantage, effective January 1, 2024 if a plan change is not made.

Health Plan Expansions

Blue Shield Access+ EPO plan expansion into Del Norte and San Benito counties.

UnitedHealthcare Harmony HMO plan expansion into Santa Clara and Santa Cruz counties.

Health Plan Exit

Anthem Traditional from Glenn County: Members, and their dependents who live in Glenn County who do not choose another health plan during Open Enrollment, will automatically be enrolled in Blue Shield Access+ effective January 1, 2024.