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Retirees

Open Enrollment

Thursday, Oct. 29 – Friday, Nov. 20, 2026, at 5 p.m.

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retirees

Medical plans: Changes and choices

Healthcare costs are going up nationwide and for UC. We’re investing more, but premiums will still increase significantly for some Medicare and non-Medicare plans.

Take time to review and compare all plan cost changes to determine if staying in your current plan is the best choice for you. If you want to maintain your current enrollment in a UC Medicare or non-Medicare plan, then no action is required. You can estimate your premium costs, taking into account graduated eligibility, with the Retiree Health Plan Premium Estimator.

Important correction to mailed brochure: Three figures included in the medical premium information under “When one or more family members are not Medicare-eligible” are incorrect (the Medicare Part B reimbursement for Kaiser HMO/Senior Advantage for “Self (in Medicare) + Child(ren)” and for “Self + 2 Adults in Medicare” and the premium for UC Care/UC Medicare PPO for “Self (in Medicare) + Child(ren)”). The correct information is provided on the retiree medical plan costs page, in UCRAYS and in the retiree health premium estimator.

On this page:

Medicare plan changes for 2027

  • All plans with prescription drug coverage: The Medicare Part D True-Out-of-Pocket (TrOOP) limit on prescription drug costs will increase from $2,100 to $2,400.
  • Kaiser Senior Advantage:
    • Costs for a licensed stretcher/gurney van or wheelchair van will be fully covered at no cost when ordered by a network provider for medically necessary one-way trips home, to a skilled nursing facility or another higher level of care, immediately following an inpatient hospitalization or certain emergency, urgent care, or out-patient hospital encounters.
    • The Medicare service area will expand to align with Kaiser’s existing non-Medicare service areas. New and expanded zip codes include 92028, 92554 and 92274.

Non-Medicare medical plan changes for 2027

Medical plans for Medicare retirees

If you need help deciding:

Kaiser Permanente Senior Advantage Kaiser Permanente Medicare Advantage HMO UC High Option Supplement to Medicare Anthem Blue Cross Medicare Supplement PPO UC Medicare Choice PPO UnitedHealthcare Medicare Advantage PPO UC Medicare PPO Anthem Blue Cross Medicare Supplement PPO UC Medicare PPO without Prescription Drugs Anthem Blue Cross Medicare Supplement PPO Medicare Coordinator Program For Medicare-eligible retirees who live outside California

Medical plans for non-Medicare retirees

If you need help deciding:

HealthSavings+ PPO Blue Shield high-deductible PPO Kaiser HMO Kaiser Permanente HMO UC Blue & Gold HMO Health Net HMO with access to UC Health and other quality providers UC Care PPO Blue Shield PPO with choice of provider tiers

Compare your costs