Alliant Insurance Services | Proprietary & Confidential City of Stockton
2027 Renewal Meeting
Christine Kerns, EVP Managing Consultant
Billie Brown, VP Benefits Consultant
August 19, 2026
ATTACHMENT A
Agenda • Executive Summary
• Medical Plan Renewal
• Ancillary Renewals
• Contributions
• Open Enrollment and Benefits Fair
2 ATTACHMENT A
Executive Summary
ATTACHMENT A
4 2026 Renewal Recap
Line of coverage Vendor Funding Results
Medical Kaiser
Sutter Health Plan
Fully Insured
Fully Insured
+2.3%
+39.2%, negotiated 35%
Dental Delta Dental (PRISM)
Delta Dental HMO (Direct)
Self-Funded
Fully Insured
-0.92% (Suggested Funding Rates)
N/A (rate guarantee)
Vision VSP Self-Funded -17.38% (Suggested Funding Rates) ASO fee increase of 13% guaranteed for 3 years
Life/AD&D/STD/LTD Lincoln (PRISM) Fully Insured N/A (rate guarantee) EAP Halcyon EAP Fully Insured +6.2% for 1 year
FSA/HSA/HRA Administration P&A N/A N/A (rate guarantee) COBRA Administration APA Benefits N/A N/A (rate guarantee)
ATTACHMENT A
5 2027 Renewal Results
Line of coverage Vendor Renewal Date Funding Results
Medical Kaiser
Sutter Health Plan
1/1/2027
1/1/2027
Fully Insured
Fully Insured
+6.2% to 8.5% (varies by plan)
+8.7%
Dental Delta Dental PPO (PRISM)
Delta Dental HMO (Direct)
1/1/2027
1/1/2027
Self-Funded
Fully Insured
+1.1%
0% (Rate Pass) for 1 year
Vision VSP 1/1/2027 Self-Funded -1.39%
Life/AD&D/STD/LTD Lincoln (PRISM) RG Through 1/1/2028 Fully Insured N/A (rate guarantee) EAP Halcyon EAP 1/1/2027 Fully Insured 0% (Rate Pass) for 1 year FSA/HSA/HRA Administration P&A RG Through 1/1/2028 N/A N/A (rate guarantee) COBRA Administration APA Benefits 1/1/2027 N/A Pending Renewal
ATTACHMENT A
2027 Financial Overview
6 Line of Coverage Current 2027 Renewal % ∆
Sutter Health Plan HMO LG18 $8,042,630 $8,802,338 9.4%
Sutter Health Plan HMO LG22 $581,117 $618,307 6.4%
Sutter Health Plan DHMO LG24 $525,079 $545,198 3.8%
Sutter Health Plan DHMO LG29 $328,865 $395,185 20.2%
Sutter Health Plan HDHP HE08 $1,731,197 $1,887,707 9.0% Sutter Health Plan HDHP HL12 $810,496 $857,686 5.8%
Kaiser HMO $12,360,145 $13,128,637 6.2%
Kaiser DHMO $933,038 $1,008,763 8.1%
Kaiser POS $0 $0 0.0%
Kaiser PPO $0 $0 0.0%
Kaiser HDHP $3,097,390 $3,361,775 8.5%
Delta Dental DHMO $122,974 $122,974 0.0%
Delta Dental DPPO (PRISM) - Self-Funded $1,452,586 $1,468,663 1.1% VSP Vision - Self-Funded $193,509 $190,805 -1.4%
Rate Pass
Lincoln (PRISM) Basic Life and AD&D $102,221 $102,221 0.0% Rate Pass
Lincoln (PRISM) Long Term Disability $347,596 $347,596 0.0% SunLife Basic Life and AD&D (MGMT B&C EEs Only) $5,426 $5,426 0.0% SimpleTherapy EAP $32,136 $32,136 0.0%
APA COBRA $11,777 $11,777 0.0%
In Rate Guarantee
P&A FSA $9,384 $9,384 0.0%
In Rate Guarantee
P&A Commuter $234 $234 0.0%
In Rate Guarantee
P&A HSA $10,170 $10,170 0.0%
In Rate Guarantee
P&A HRA $8,532 $8,532 0.0%
TOTAL ANNUAL PREMIUM $30,706,503 $32,915,515
ANNUAL DOLLAR CHANGE $2,209,012
ANNUAL PERCENTAGE CHANGE 7.2%
ATTACHMENT A
Medical Renewal and
Marketing
ATTACHMENT A
8 Executive
Summary
Kaiser Sutter Health Plus
2021 +4.1% +2.52%
2022 +1% +6.9%
2023* +12% +7.3%
2025 +20% +19%
2026 +2.3 +35.1%
2027 +6.2% +8.7%
Average Renewal +7.6% +13.3%
*The medical plans renewed on 7/1/2023 with an 18-month guarantee (the final HDHP increase was lower due to plan design changes)
• In the last few years, the City has experienced higher than average medical renewals, particularly on the Sutter Health Plan offering. • Alliant has pursued other alternatives, both direct to carrier options and participation in a pooled purchasing program through PRISMHealth. o Unfortunately, PRISMHealth declined to quote due to the high Kaiser penetration.
The direct market declined to quote.
o We continued to pursue alternatives, however there were no options available that met the City’s needs.
ATTACHMENT A
2027 Medical Enrollment History
Actives Enrollment History
Medical & Rx
Prior
2022-2023
Prior
7/2023-12/2024
Prior
2025
Current
2026
Sutter Health Plan Medical 521 495 562 489
Kaiser Medical 794 765 780 883
Indemnity Plan (OE3) 22 21 19 17
Waivers 145 169 177 169
Grand Total Enrollment 1482 1450 1538 1558
Overall Kaiser Participation* 60.4% 60.7% 58.1% 64.4%
* Overall Kaiser Participation excludes OE3 and Waivers 9 ATTACHMENT A
Medical Financial Summary
Kaiser EE
2026 Current 2027 Renewal % ∆
Kaiser HMO 636 $12,360,145 $13,128,637 6.2%
Kaiser DHMO 57 $933,038 $1,008,763 8.1%
Kaiser HDHP 190 $3,097,390 $3,361,775 8.5%
Kaiser POS 0 $0 $0 0.0%
Kaiser PPO 0 $0 $0 0.0%
KAISER ANNUAL PREMIUM $16,390,573 $17,499,174 6.8%
Sutter Health Plus
EE
2026 Current 2027 Renewal % ∆
SHP HMO LG18 308 $8,042,630 $8,802,338 9.4%
SHP HMO LG22 24 $581,117 $618,307 6.4%
SHP DHMO LG24 22 $525,079 $545,198 3.8%
SHP DHMO LG29 17 $328,865 $395,185 20.2%
SHP HDHP HE08 71 $1,731,197 $1,887,707 9.0%
SHP HDHP HL12 47 $810,496 $857,686 5.8%
SHP ANNUAL PREMIUM $12,019,384 $13,106,422 9.0%
TOTAL MEDICAL ANNUAL PREMIUM $28,409,957
ANNUAL PERCENTAGE CHANGE 7.7%
$30,605,596
10 ATTACHMENT A
Sutter Health Plan
Renewal
ATTACHMENT A
SHP Executive Summary
Effective January 1, 2027, SHP proposes a renewal rate adjustment of:
Actives ▪ +8.7% Increase
Factors for SHPs
renewal include:
▪ Annual trend was 7.4% (2026 trend was 8.7%); Medical is 6.3% and Rx is 11.7% ▪ 100% Credible (City’s Utilization)
Mandatory changes ▪ HDHP: IRS Mandated Changes to deductible and OOPM ▪ HL12 name changing to HL17 for 2027 Plan Year.
▪ All Other Plans: None
12 ATTACHMENT A
SHP Pharmacy Utilization
13 City of Stockton
Monthly Rx Exhibit
- .
202404 1,441 416 $130,815 1,331
202405 1,441 428 $184,413 1,415
2.02406 1,439 419 $168,122 1,286
202407 1,432 407 $205,991 1,332
202408 1,443 431 $242,161 1,431
202409 1,457 417 $205,574 1,345
202410 1,447 405 $199,852 1,354
202411 1,449 420 $218,085 1,343
2.02412 1,427 410 $193,013 1,349
2.02501 1,497 395 $197,187 1,396
202502 1,498 406 $263,817 1,344
202503 1,508 432 $269,757 1,407
Total 17,479 4,986 $2,478,788 16,333
-.. . .
202504 1,515 452 $265,113 1,500
202505 1,503 421 $260,738 1,415
202506 1,513 413 $286,787 1,303
202507 1,500 404 $278,722 1,441
202508 1,525 400 $273,328 1,389
2.02509 1,513 380 $292,697 1,327
202510 1,521 428 $364,296 1,457
202511 1,520 429 $281,705 1,453
202512 1,505 422 $405,418 1,534
2.02601 1,453 399 $286,916 1,315
2.02602 1,442 373 $262,414 1,197
202603 1 436 395 311 736 1 301
Total 17,946 4,916 $3,569,871 16,632
86% 8%
88% 8%
88% 8%
86% 24%
85% 20%
82% 8%
84% 5%
87% 21%
84% 7%
86% 22.%
85% 17%
84% 20%
85% 15%
■
88% 19%
85% 20%
84% 18%
86% 18%
84% 19%
83% 17%
82% 24%
85% 18%
85% 15%
86% 6%
84% 5%
85% 9%
85% 16%
. ''
. . .
13%
11%
11%
13%
13%
17%
15%
12%
16%
13%
14%
15%
14%
. ''
. . .
11%
14%
14%
13%
15%
16%
16%
14%
14%
13%
14%
14%
14%
59%
44%
50%
47%
39%
51%
49%
38%
54%
48%
39%
43%
46%
37%
46%
43%
43%
45%
42%
39%
43%
41%
40%
44%
42%
42%
Alliant Insurance Services
1% 33% 3% 25%
1% 47% 2% 17%
1% 43% 3% 23%
1% 30% 3% 19%
1% 41% 2% 14%
1% 41% 4% 23%
1% 45% 3% 22%
1% 40% 3% 15%
1% 40% 3% 22%
1% 30% 3% 23%
1% 44% 3% 17%
1% 38% 4% 22%
1% 39% 3% 20%
■
.
1% 44% 3% 19%
1% 34% 4% 19%
1% 39% 4% 19%
1% 39% 4% 22%
1% 36% 5% 24%
2% 40% 4% 20%
1% 37% 5% 19%
1% 38% 4% 24%
1% 44% 5% 20%
2% 54% 5% 23%
2% 51% 5% 20%
1% 49% 5% 19%
1% 42.% 4% 20%
ATTACHMENT A
SHP Pharmacy Utilization
14 City of Stockton
Top 25 Rx by Cost
Current Period
Rank Drug Name
�
ZEPBOUND
3 MOUNJARO
4 SKYRIZI
5 ENBREL
6 ALVAIZ
7 DUPIXENT
8 TREMFYA
9 SKYRIZI
10 WEGOVY
l1 X:VWAV
12 JARDIANCE
13 VUMERITY
14 OZEMPIC
15 ORENCIA
16 XEUANZ
17 COPAXONE
18 COSENTYX
19 DEXCOM
20 REXULTI
21 NUCALA
22 ELIQUIS
23 XOLAIR
24 RYBELSUS
25 FIASP
All Other
Total
Your Group
Generic
Therapeutic Class Indicator
ENDOCRINE AND METABOLIC AGENTS - MISC.
ADHD/ANTI-NARCOLEPSY/ANTI-OBESITY/ANOREXIANTS
ANTI DIABETICS N
GASTROINTESTINAL AGENTS - MISC. N
ANALGESICS-ANTI-INFLAMMATORY N
HEMATOPOIETIC AGENTS N
DERMA TOLOGICALS N
DERMA TOLOGICALS N
DERMA TO LOGICALS N
ADHD/ANTI-NARCOLEPSY/ANTI-OBESITY/ANOREXIANTS N
PSYCHOTHERAPEUTIC AND NEUROLOGICAL AGENTS - MISC. N
ANTI DIABETICS N
PSYCHOTHERAPEUTIC AND NEUROLOGICAL AGENTS- MISC. N
ANTI DIABETICS N
ANALGESICS - ANTI-INFLAMMATORY N
ANALGESICS -ANTI-INFLAMMATORY N
PSYCHOTHERAPEUTIC AND NEUROLOGICAL AGENTS- MISC. N
DERMATOLOGICALS N
MEDICAL DEVICES AND SUPPLIES N
ANTIPSYCHOTICS/ANTIMANIC AGENTS N
ANTIASTHMATIC AND BRONCHODILATOR AGENTS N
ANTICOAGULANTS N
ANTIASTHMATIC AND BRONCHODILATOR AGENTS N
ANTI DIABETICS N
ANTI DIABETICS N
Specialty
Indicator
N
y
y
y
y
y
y
N
N
N
y
N
y
y
y
y
N
N
y
N
y
N
N
SHPLG
Net Claim Net Claim Net Claim
Cost Cost% Rank Cost%
382 937
$297,904 1
AmfllllnDIIIIRIIIIDRIII- --1
$206,254 5.8% 3 4.4%
$204,686 5.7% 5 3.8%
$194,842 5.5% 10 2 .. 1%
$188,114 5.3% 108 0.2%
$160,553 4.5% 7 3 .. 6%
$145,838 4.1% 14 1.4%
$134,170 3.8% 5 3.8%
$104,377 2.9% 4 4.1%
$93,115 2.6% 43 0.4%
$81,723 2.3% 9 2 .. 3%
$78,369 2.2% 44 0.4%
$69,902 2.0% 2 4.4%
$68,708 1.9% 30 0.5%
$64,640 1.8% 58 0 .. 3%
$49,343 1.4% 203 0.1%
$49,222 1.4% 11 1.6%
$45,543 1.3% 12 1.6%
$39,356 1.1% 72 0.3%
$39,240 1.1% 55 0.3%
$37,240 1.0% 21 0.9%
$34,680 1.0% 31 0.5%
$26,950 0.8% 34 0.5%
$26,775 0.8% 26 0.6%
$745,391 20.9% 53.6%
$3,569,871 100.0% 100.0%
Alliant Insurance Services
ATTACHMENT A
SHP HMO Renewal (LG18 and LG22)
Medical Plan Benefits
LG18 LG22 LG24
Current/ Renewal Current/ Renewal Current/ Renewal
Calendar Year Deductible
Individual / Family None None $1,000 / $2,000
Annual Out-of-Pocket Maximum
Individual / Family $1,500 / $3,000 $3,000 / $6,000 $3,000 / $6,000 Physician Office Visit $20 / Visit $40 / Visit $20 / Visit (ded waived) Specialist Copay $40 / Visit $80 / Visit $40 / Visit (ded waived) Preventative Care No Charge No charge No Charge (ded waived) Lab and X-Ray
CT, MRI, PET scans $50 $50 / Procedure $50 / Procedure (ded waived) Lab $10 $10 / Visit $20 / Visit (ded waived)
X-Ray $10 $10 / Procedure $10 / Procedure (ded waived)
Hospitalization
Inpatient $250 / Per day (max of 5 days per admission) $500 per day (max of 5 days per admission) 20% (after ded) Outpatient $50 / Visit $100 / Visit 20% (after ded)
Emergency Room $200 / Visit
(Copay waived if admitted)
$200 / Visit
(Copay waived if admitted)
20% (after ded)
(Copay waived if admitted)
Urgent Care Services $40 / Visit $80 / Visit $40 / Visit (ded waived) Durable Medical Equipment 50% 50% 50% (after ded)
Chiropractic / Acupuncture Care $20 / Visit $20 / Visit $20 / Visit Unlimited Visits Unlimited Visits Unlimited Visits
PRESCRIPTION DRUGS Generic / Brand / Non-Formulary / Specialty Generic / Brand / Non-Formulary / Specialty Generic / Brand / Non-Formulary / Specialty Rx Copay Out-of-Pocket Maximum Included with Medical Included with Medical Included with Medical Separate Brand Name Rx Deductible None None None
Retail - 30 day supply $10 / $30 / $75 / 10% up to $250 max $10 / $30 / $75 / 20% up to $250 max $10 / $30 / $75 / 20% up to $250 max Mail Order - up to 100 day supply $20 / $60 / $150 / Not Covered $20 / $60 / $150 / Not Covered $20 / $60 / $150 / Not Covered RATE GUARANTEE 1 Year
(1/1/2026 - 12/31/2026)
1 Year
(1/1/2027 - 12/31/2027)
1 Year
(1/1/2026 - 12/31/2026)
1 Year
(1/1/2027 - 12/31/2027)
1 Year
(1/1/2026 - 12/31/2026)
MONTHLY RATES EEs Current Renewal EEs Current Renewal
EE Only 120 $1,243.40 $1,360.90 8 $1,163.60 $1,238.10
EE + 1 54 $2,238.90 $2,450.40 8 $2,095.30 $2,229.40
EE + Family 134 $2,985.90 $3,267.90 8 $2,794.40 $2,973.20 308 24
MONTHLY PREMIUM $670,219 $733,528 $48,426 $51,526
ANNUAL PREMIUM $8,042,630 $8,802,338 $581,117 $618,307
ANNUAL DOLLAR CHANGE $759,708 $37,190
ANNUAL PERCENT CHANGE 9.4% 6.4%
Enrollment from Post OE Census as of December 2025
Sutter Health Plan HMOSutter Health Plan HMO
This document is intended as a quick reference, not a comprehensive description. Limitations and exclusions can be found in the official plan documents. In case of any discrepancies, the official plan documents will govern.
15 ATTACHMENT A
SHP DHMO Renewal (LG24 and LG29)
Medical Plan Benefits
LG24 LG29
Current/ Renewal Current/ Renewal
Calendar Year Deductible
Individual / Family $1,000 / $2,000 $5,500 / $11,000
Annual Out-of-Pocket Maximum
Individual / Family $3,000 / $6,000 $9,000 / $18,000
Physician Office Visit $20 / Visit (ded waived) $50 / Visit Specialist Copay $40 / Visit (ded waived) $100 / Visit
Preventative Care No Charge (ded waived) No charge
Lab and X-Ray
CT, MRI, PET scans $50 / Procedure (ded waived) $100 / Procedure (after ded) Lab $20 / Visit (ded waived) $10 / Visit (ded waived)
X-Ray $10 / Procedure (ded waived) $50 / Procedure (ded waived) Hospitalization
Inpatient 20% (after ded) 30% (after ded)
Outpatient 20% (after ded) 30% (after ded)
Emergency Room 20% (after ded)
(Copay waived if admitted)
$300 (after ded)
(Copay waived if admitted)
Urgent Care Services $40 / Visit (ded waived) $100 / Visit (ded waived) Durable Medical Equipment 50% (after ded) 50% (after ded) Chiropractic / Acupuncture Care $20 / Visit $20 / Visit Unlimited Visits Unlimited Visits
PRESCRIPTION DRUGS Generic / Brand / Non-Formulary / Specialty Generic / Brand / Non-Formulary / Specialty Rx Copay Out-of-Pocket Maximum Included with Medical Included with Medical Separate Brand Name Rx Deductible None None
Retail - 30 day supply $10 / $30 / $75 / 20% up to $250 max $10 / $30 / $75 / 30% up to $250 max Mail Order - up to 100 day supply $20 / $60 / $150 / Not Covered $20 / $60 / $150 / Not Covered RATE GUARANTEE 1 Year
(1/1/2026 - 12/31/2026)
1 Year
(1/1/2027 - 12/31/2027)
1 Year
(1/1/2026 - 12/31/2026)
1 Year
(1/1/2027 - 12/31/2027)
MONTHLY RATES EEs Current Renewal EEs Current Renewal
EE Only 6 $1,071.90 $1,113.00 4 $819.90 $985.40
EE + 1 6 $1,930.20 $2,004.20 3 $1,476.60 $1,774.50
EE + Family 10 $2,574.40 $2,673.00 10 $1,969.60 $2,366.70 22 17
MONTHLY PREMIUM $43,757 $45,433 $27,405 $32,932
ANNUAL PREMIUM $525,079 $545,198 $328,865 $395,185
ANNUAL DOLLAR CHANGE $20,119 $66,320
ANNUAL PERCENT CHANGE 3.8% 20.2%
Enrollment from Post OE Census as of December 2025
Sutter Health Plan DHMOSutter Health Plan DHMO
This document is intended as a quick reference, not a comprehensive description. Limitations and exclusions can be found in the official plan documents. In case of any discrepancies, the official plan documents will govern.
16 ATTACHMENT A
SHP HDHP Renewal (HE08 and HL17)
Medical Plan Benefits Sutter Health Plan HDHP Sutter Health Plan HDHP HE08 HL12 / HL17
Current / Renewal Current / Renewal
In-Network In-Network
Calendar Year Deductible 2027 Mandatory IRS Change
Individual / Ind. in Family / Family $1,800 / $3,400 $3,500 / $3,400 $3,500 $4,000 / $4,000 / $8,000 Annual Out-of-Pocket Maximum 2027 Mandatory IRS Change
Individual / Ind. in Family / Family $3,400 $3,500 / $3,400 $3,500 / $3,400 $3,500 $6,500 / $6,500 / $13,000 Physician Office Visit No Charge $40 / Visit
Specialist Copay No Charge $80 / Visit
Preventative Care No Charge (ded waived) No charge (ded waived) Lab and X-Ray
CT, MRI, PET scans No Charge $50 / Procedure
Lab No Charge $40 / Visit
X-ray No Charge $15 / Procedure
Hospitalization
Inpatient No Charge $500 per day (max of 5 days per admission) Outpatient No Charge $250 / Visit
Emergency Room No Charge $300 / Visit
Urgent Care Services No Charge $80 / Visit
Durable Medical Equipment No Charge 50%
Chiropractic Care Not Covered Not Covered
Acupuncture Care No Charge (Provided for treatment of nausea or chronic pain only)
$40 / Visit (Provided for treatment of nausea or chronic pain only)
PRESCRIPTION DRUGS Generic / Brand / Non-Formulary / Specialty Generic / Brand / Non-Formulary / Specialty Rx Copay Out-of-Pocket Maximum Combined with Medical Combined with Medical Rx Deductible Medical Deductible Applies Medical Deductible Applies Retail - 30 day supply $10 / $20 / $35 / No Charge $10 / $30 / $75 / 20% up to $250 max (after ded) Mail Order - 100 day supply $20 / $40 / $70 / Not Covered $20 / $60 / $150 / Not Covered RATE GUARANTEE 1 Year
(1/1/2026 - 12/31/2026)
1 Year
(1/1/2027 - 12/31/2027)
1 Year
(1/1/2026 - 12/31/2026)
1 Year
(1/1/2027 - 12/31/2027)
MONTHLY RATES EEs Current Renewal EEs Current Renewal
EE Only 20 $1,057.70 $1,153.30 18 $809.90 $857.00
EE + 1 10 $1,903.80 $2,075.90 7 $1,457.70 $1,542.60
EE + Family 41 $2,538.40 $2,767.90 22 $1,943.60 $2,056.80 71 47
MONTHLY PREMIUM $144,266 $157,309 $67,541 $71,474
ANNUAL PREMIUM $1,731,197 $1,887,707 $810,496 $857,686
ANNUAL DOLLAR CHANGE $156,510 $47,190
ANNUAL PERCENT CHANGE 9.0% 5.8%
Enrollment from Post OE Census as of December 2025
This document is intended as a quick reference, not a comprehensive description. Limitations and exclusions can be found in the official plan documents. In case of any discrepancies, the official plan documents will govern. 17 ATTACHMENT A
Kaiser Renewal
,,,,,.,,r,�,,,,,,.,,,,,,,,,,,.,,,�,�,,r,,,,,,,,,,,.,,,,.,,,,.,,,,,, , ,. , ,,,. , ,,,,. ,,, ,,, ,,, , ,,, .,,,. ,,. ,,,.. ,,. ,,,. ,,. ,,,. ,,, , ,,. ,,, ,,. ,,. ,,. , ,,,. ., ,, , , , ,, ., , ,, , , ,,. ,, ,,. ,,, ,,. .,. �,,r,�,�r�rr,r,�,,,,,rrr,�,,�,�,,�r�r,,,,��, ,,,,,.,,,.,,,,.,,.,,.,,,,,.,,,,,.,,,.,,,,�,,,,,,,,,.,,,,,.,,.,,,,,,, ,,. ,, , ,,. ,,. '., , ,,. ,,,. ,,. ,,,.. ,,,, ., , ,,. ,,. ,,. ,- . , , ,. , ,,. ,, ,,, ,,, ., ,,. ,. ,. ,,. ., r , ., , . ,,. , ,,. , , , , - r , ,,. ,, ,.,,,,,,,,,,,,,,,,,,,,,r,,r,,,,,,,,,,,,,,., ,,.,,,,,,,,.,,,,,,,,,,,,,,,,,.,,.,,,,,.,r,,,,,,,,,,,,.,,,,., r,,,,,.,,.,,.,,.,,.,,,.,�,,,,r,,,,,�,,,,�,,,�,,�,�,,,,,, r , r , ,,. , , , , r , r r , , ,,,,, .r , r r ,. ,. •, ,,,, r , , , , , r r , , , .,,,. r ,, . , , :r ., , , , ,, ,,. , ,,. .,,,. ,,,.. .,,. , ,,,. ,, , ,,. ,,. ,,. ,,. , ,,. ., :,, .,· ,, ,,,. ,,. ,,. ,,. .,,. ,,. ,,.. ,, ,,. ,' .,,. , ,,, ,,. , , , .,,,. , ,. ,,. ,, , , :r , ,,. r r r , , r· : ,,,.. ., , r , , , . r ,. , , r ., r , , , ,, r r ., ,,. ·, , , r , r , :r , , , ,, , , ,,. , , ,,,. ,, ,,. :,, ,, ,,,. , , , ,, ,, ,, ,,. , ,,, ,,. ,, , ,, ,. ,,,,. ,,. ,,, ,,. , , , ,, , ,. , , ., ,,. ,, , ,,. ,,,. ,,,,,.,,,.,,,,,,�,,,,,,,,, ,,. ,.,,,.,,.,,,,,,,,,,,,.,,,.,,,,,,,,,,,,,,, r,,, ,,.,,,,,,,,�,,,,,,.,,,,.,,,,,,,,.,,,,.,,,,,,.,r,,,,,,,,.,,. r ., , , , -r "' , r ., , r r , , , , , r .. ,,, , , , r , , , , , , , , , •r r r r , , , , , r r ,,, , ,,, , ,,, ,, ., ,,. ,,. ,,. ,,. :, ,,, ,,.. ,, , ,,. , ,,,, ,,. ,,, ,,,, ,,, , , ,, ,,. ,, , , ,, , ,,. ,,. ,, ,, ,, , ,,. ,,, _,,. ,,. , .,,,. r r ,, , " ·"' , ,- , , r· , ,- , , , , ,,,,. , , ,,,, , , , , , , ,,, r· , , , r , ,,, ,- r , , ,- , , ,- r r , r , ·r , ., r , , , r .,, r , , ., , .,,. r , , , ., , ,,. , r , ·, , r , , r r r , , , , ,, ,, :, , , , , r- :r , , r- , r r , ., , , , r ., , ., ,, , , , r , , , , r , , , , r , , , , , , r :r ,�rr,�rrrrrrr,,,,,,.,,,,,,,.,r,rr,,,,,,,,,�,r,, r , , r r ., r r , , ,,. r , ,,,. , , ,,. ,. ,, ,, ,,. r ,,.. ., , , ,,,. , ,. , , , , ,,. ,,. r ,- r , ·r .,,, r ,- ,,.,,,,. ,,,,,.,�,,,,,,,,,�,,,,rr,r,�,,,,r,,r,r,,,.,�,�, , , , r ,- ,: 1,., r, r �- , ,, , r r .,,,,. , , , r, ,,, , r r: ,, r,,,,,, r, ., , , , ,,,,,, .,,,,,,,,,,,,,,,,,,,.,,.,,,.,,,,,.,,,,,,,,, ,,,,,,,, , ,,,,. , , r r •r r , , r , r r , , , ,r ,- ·r :r r , r ,,,,. r r · , ., , ,,,,.. r ., , , , , ,- , , r , , r ,,,,,. ,- ,. ,,,,. ,,. ,, , ,, , ,. ,,, ,,. ,,,. , ,,,,. , , ,, , ,,. , ,, ,,, ,,. , ,, , , , ,, ,, , :, , , , .,,,. ,,. , ,,, , , ,,. .,,,. ,,,,,. , r r ,,- , .,,,. ., , ,,. r r , ., , ,- , r r r ,, ,· r .,,. -, , -,,,. , , r r , , , , r r , -I"' , r ·r r r ,
ATTACHMENT A
Kaiser Executive Summary
Effective January 1, 2027, Kaiser proposes a renewal rate adjustment of:
Actives ▪ Ranges from 6.2% to 8.5% depending on the plan For Kaiser’s 2027
Renewal
▪ Annual trend slightly increased from 5.66% to 5.77%
▪ Pooling point increased from $400,000 to $500,000
Rates are based on the
following Underwriting
factors:
▪ 100% Credible (City’s utilization)
Health Care Reform
Impacts:
▪ PCORI fee increased from $0.31 PMPM to $0.35 PMPM, however no longer applicable to non -PPO plans.
Mandatory Plan Changes ▪ HDHP: IRS Mandated Changes to deductible and OOPM 19 ATTACHMENT A
20 Update to Kaiser Renewal Methodology
APR
2025MAY
2024 2026 Renewal
MAR
2026
APR
2024 2027 Renewal
The 2026 Kaiser renewal calculation used paid claims from May 2024 through April 2025 (12 months of claims).
Going forward (starting in 2027), the Kaiser renewal calculation is using paid claims from April 2024 through March 2026 (24 months of claims).
ATTACHMENT A
Kaiser - Periodic Utilization Review (PUR)
PMPM by Service Category
21 ATTACHMENT A
Experience Period Feb 23 Jan 24 Exp Period
9 Month PUR
May 23 Apr 24 Exp Period
used in Jan 25 Renewal
May 24 Dec 24 Exp Period
8 Month PUR
May 24 Apr 25 Exp Period
12 Month PUR
Dec 24 Nov 25 Exp Period
12 Month PUR
Apr 25 Mar 26 Exp Period
12 Month PUR
Average Members 2,058 2,042 2,084 2,097 2,065 2,103
Average Age 29.4 29.3 28.9 28.7 28.7 28.5
Inpatient $ PMPM
(Includes Medical, surgical,
maternity, etc.)
$103.08 $115.63 $88.43 $99.92 $171.31 $181.26
Inpatient $/Day $9,290.24 $9,169.21 $8,505.96 $9,275.84 $8,716.99 $10,040.18 Inpatient Average Length of Stay 4.4 Days 4.4 Days 4.1 Days 3.8 Days 6.6 Days 6.4 Days Inpatient Days/ 1000 133.1 151.3 124.8 129.3 235.8 216.6 Inpatient Admits/ 1000 30.1 32.8 30.7 33.9 35.8 33.7
Outpatient $ PMPM (Includes
outpatient visits, ER, surgical
procedures, lab and radiology)
$211.71 $232.75 $259.32 $238.40 $245.47 $261.13
Pharmacy $ PMPM $43.11 $43.97 $42.53 $39.72 $41.01 $39.69 Other $ PMPM $82.75 $90.01 $97.17 $94.64 $97.57 $102.84 Total Claims PMPM $440.65 $482.36 $487.46 $472.68 $555.36 $584.92 High Cost Claimants
3 individuals with claims
over $187,500 representing
12.0% of total claims;
claimants at $1,304,951.70
3 individuals with claims
over $187,500 representing
12.9 % of total claims;
claimants at $1,519,460.27
2 individuals with claims
over $500,000 representing
10.9% of total claims;
claimants at $1,328,297.35
2 individuals with claims
over $380,000 representing
8.3% of total claims;
claimants at $981,377.10
5 individuals with claims
over $380,000 representing
14.3% of total claims;
claimants at $3,678,902.36
4 individuals with claims
over $250,000 representing
15.3% of total claims;
claimants at $4,113,528.79
Kaiser - Periodic Utilization Review (PUR)
Comparison
22 ATTACHMENT A
Kaiser HMO Renewal
Medical Plan Benefits
Current / Renewal
Plan Year Deductible
Individual / Family None
Annual Out-of-Pocket Maximum
Individual / Family $1,500 / $3,000
Physician Office Visit $20 / Visit
Specialist Copay $20 / Visit
Preventative Care No Charge
Lab and X-Ray
CT, MRI, PET scans $50 / Procedure
Other lab and x-ray tests $10 / Encounter
Hospitalization
Inpatient $250 / Admit
Outpatient $100 / Procedure
Emergency Room $100 / Visit
(Copay waived if admitted)
Urgent Care Services $20 / Visit
Durable Medical Equipment 20%
Chiropractic/Acupuncture Care $15 / Visit
(max 30 Visits combined)
PRESCRIPTION DRUGS Generic / Brand-name / Specialty
Rx Copay Out-of-Pocket Maximum Included with Medical
Separate Brand Name Rx Deductible None
Retail - 30 day supply $10 / $30 / 20% up to $150 max
Mail Order - up to 100 day supply $20 / $60 / Not Covered RATE GUARANTEE 1 Year
(1/1/2026 - 12/31/2026)
1 Year
(1/1/2027 - 12/31/2027)
MONTHLY RATES EEs Current Renewal
EE Only 248 $926.77 $984.39
EE + 1 113 $1,668.18 $1,771.91
EE + Family 275 $2,224.25 $2,362.54
636
MONTHLY PREMIUM $1,030,012 $1,094,053
ANNUAL PREMIUM $12,360,145 $13,128,637
ANNUAL DOLLAR CHANGE $768,492
ANNUAL PERCENT CHANGE 6.2%
Enrollment from Post OE Census as of December 2025
Kaiser HMO
This document is intended as a quick reference, not a comprehensive description. Limitations and exclusions can be found in the official plan documents. In case of any discrepancies, the official plan documents will govern.
23 ATTACHMENT A
Kaiser DHMO Renewal
Medical Plan Benefits Kaiser DHMO
Current / Renewal
Plan Year Deductible
Individual / Family $1,000 / $2,000
Annual Out-of-Pocket Maximum
Individual / Family $3,000 / $6,000
Physician Office Visit $30 / Visit (ded waived)
Specialist Copay $40 / Visit (ded waived)
Preventative Care No Charge (ded waived)
Lab and X-Ray
CT, MRI, PET scans 30% up to a maximum of $150 / Procedure (after ded)
Other lab and x-ray tests $10 / Encounter (after ded)
Hospitalization
Inpatient 30% (after ded)
Outpatient 30% (after ded)
Emergency Room 30% (after ded)
(Copay waived if admitted)
Urgent Care Services $30 / Visit (ded waived)
Durable Medical Equipment 20% (ded waived)
Chiropractic/Acupuncture Care $15 / Visit
(max 30 Visits combined)
PRESCRIPTION DRUGS Generic / Brand-name / Specialty
Rx Copay Out-of-Pocket Maximum Included with Medical
Separate Brand Name Rx Deductible None
Retail - 30 day supply $10 / $30 / 20% up to $250 max (ded waived) Mail Order - up to 100 day supply $20 / $60 / Not Covered (ded waived) RATE GUARANTEE 1 Year
(1/1/2026 - 12/31/2026)
1 Year
(1/1/2027 - 12/31/2027)
MONTHLY RATES EEs Current Renewal
EE Only 23 $793.40 $857.79
EE + 1 11 $1,428.12 $1,544.03
EE + Family 23 $1,904.16 $2,058.70
57 MONTHLY PREMIUM $77,753 $84,064
ANNUAL PREMIUM $933,038 $1,008,763
ANNUAL DOLLAR CHANGE $75,725
ANNUAL PERCENT CHANGE 8.1%
Enrollment from Post OE Census as of December 2025
This document is intended as a quick reference, not a comprehensive description. Limitations and exclusions can be found in the official plan documents. In case of any discrepancies, the official plan documents will govern.
24 ATTACHMENT A
Kaiser HDHP Renewal
Medical Plan Benefits Kaiser HDHP Kaiser HDHP
Current / Renweal Option
In-Network In-Network
Plan Year Deductible Pending
Individual / Ind. in Family / Family $1,800 / $3,400 $3,500 / $3,600 $3,500 / $3,500 / $3,500 Annual Out-of-Pocket Maximum
Individual / Ind. in Family / Family $3,700 / $3,700 / $7,400 $3,700 / $3,700 / $7,400 Physician Office Visit No Charge No Charge
Specialist Copay No Charge No Charge
Preventative Care No Charge (ded waived) No Charge (ded waived) Lab and X-Ray
CT, MRI, PET scans No Charge No Charge
Other lab and x-ray tests No Charge No Charge
Hospitalization
Inpatient No Charge No Charge
Outpatient No Charge No Charge
Emergency Room No Charge No Charge
Urgent Care Services No Charge No Charge
Durable Medical Equipment No Charge No Charge
Chiropractic Care $15
(30 Visits / calendar year)
$15
(30 Visits / calendar year)
Acupuncture Care Not Covered Not Covered
PRESCRIPTION DRUGS Generic / Brand-name / Specialty Generic / Brand-name / Specialty Rx Copay Out-of-Pocket Maximum Combined with Medical Combined with Medical Rx Deductible N/A N/A
Retail - 30 day supply $10 / $30 / 20% up to $150 $10 /$20 / $20 Mail Order - 100 day supply $20 / $60 / Not Covered $20 / $60 / Not Covered RATE GUARANTEE 1 Year
(1/1/2026 - 12/31/2026)
1 Year
(1/1/2027 - 12/31/2027)
MONTHLY RATES EEs Current Renewal
EE Only 68 $745.14 $808.74
EE + 1 24 $1,341.25 $1,455.73
EE + Family 98 $1,788.33 $1,940.98
190
MONTHLY PREMIUM $258,116 $280,148
ANNUAL PREMIUM $3,097,390 $3,361,775
ANNUAL DOLLAR CHANGE $264,384
ANNUAL PERCENT CHANGE 8.5%
Enrollment from Post OE Census as of December 2025
This document is intended as a quick reference, not a comprehensive description. Limitations and exclusions can be found in the official plan documents. In case of any discrepancies, the official plan 25 ATTACHMENT A
Ancillary Renewals
ATTACHMENT A
PRISM
Established in 1979, PRISM (Public Risk Innovation, Solutions, and Management) is a risk-sharing pool dedicated to controlling losses and providing effective risk management solutions. PRISM is a member- directed pool serving California public agencies.
Membership in Property & Casualty and Employee Benefit coverages has expanded to include 95% of counties, and 60% of cities, as well as numerous special districts, superior courts, housing authorities, fire districts, and other Joint Powers Authorities.
Employee Benefit Coverages Offered
Medical (PRISMHealth – Anthem/Blue Shield/Kaiser)
Dental (Delta Dental/Ameritas)
Vision (VSP/EyeMed)
EAP (Concern/Anthem) – including First Responder program with Concern Life & Disability (Voya/Lincoln) – including Paid Family Leave Program PRISM Membership Highlights
Medical – 50 member groups – 45,000 covered
Dental – 202 member groups – 103,775 covered
Vision – 141 member groups – 105,825 covered
EAP – 184 member groups – 79,500 covered
Life & DI – 161 member groups – 94,500 covered
PRISM JPA
Overview
Property & Casualty
Programs:
• Worker’s Comp
• Property
• General Liability
• Cyber
• Other Misc. Lines
27 ATTACHMENT A
Dental Renewal
,,,,,.,,r,�,,,,,,.,,,,,,,,,,,.,,,�,�,,r,,,,,,,,,,,.,,,,.,,,,.,,,,,, , ,. , ,,,. , ,,,,. ,,, ,,, ,,, , ,,, .,,,. ,,. ,,,.. ,,. ,,,. ,,. ,,,. ,,, , ,,. ,,, ,,. ,,. ,,. , ,,,. ., ,, , , , ,, ., , ,, , , ,,. ,, ,,. ,,, ,,. .,. �,,r,�,�r�rr,r,�,,,,,rrr,�,,�,�,,�r�r,,,,��, ,,,,,.,,,.,,,,.,,.,,.,,,,,.,,,,,.,,,.,,,,�,,,,,,,,,.,,,,,.,,.,,,,,,, ,,. ,, , ,,. ,,. '., , ,,. ,,,. ,,. ,,,.. ,,,, ., , ,,. ,,. ,,. ,- . , , ,. , ,,. ,, ,,, ,,, ., ,,. ,. ,. ,,. ., r , ., , . ,,. , ,,. , , , , - r , ,,. ,, ,.,,,,,,,,,,,,,,,,,,,,,r,,r,,,,,,,,,,,,,,., ,,.,,,,,,,,.,,,,,,,,,,,,,,,,,.,,.,,,,,.,r,,,,,,,,,,,,.,,,,., r,,,,,.,,.,,.,,.,,.,,,.,�,,,,r,,,,,�,,,,�,,,�,,�,�,,,,,, r , r , ,,. , , , , r , r r , , ,,,,, .r , r r ,. ,. •, ,,,, r , , , , , r r , , , .,,,. r ,, . , , :r ., , , , ,, ,,. , ,,. .,,,. ,,,.. .,,. , ,,,. ,, , ,,. ,,. ,,. ,,. , ,,. ., :,, .,· ,, ,,,. ,,. ,,. ,,. .,,. ,,. ,,.. ,, ,,. ,' .,,. , ,,, ,,. , , , .,,,. , ,. ,,. ,, , , :r , ,,. r r r , , r· : ,,,.. ., , r , , , . r ,. , , r ., r , , , ,, r r ., ,,. ·, , , r , r , :r , , , ,, , , ,,. , , ,,,. ,, ,,. :,, ,, ,,,. , , , ,, ,, ,, ,,. , ,,, ,,. ,, , ,, ,. ,,,,. ,,. ,,, ,,. , , , ,, , ,. , , ., ,,. ,, , ,,. ,,,. ,,,,,.,,,.,,,,,,�,,,,,,,,, ,,. ,.,,,.,,.,,,,,,,,,,,,.,,,.,,,,,,,,,,,,,,, r,,, ,,.,,,,,,,,�,,,,,,.,,,,.,,,,,,,,.,,,,.,,,,,,.,r,,,,,,,,.,,. r ., , , , -r "' , r ., , r r , , , , , r .. ,,, , , , r , , , , , , , , , •r r r r , , , , , r r ,,, , ,,, , ,,, ,, ., ,,. ,,. ,,. ,,. :, ,,, ,,.. ,, , ,,. , ,,,, ,,. ,,, ,,,, ,,, , , ,, ,,. ,, , , ,, , ,,. ,,. ,, ,, ,, , ,,. ,,, _,,. ,,. , .,,,. r r ,, , " ·"' , ,- , , r· , ,- , , , , ,,,,. , , ,,,, , , , , , , ,,, r· , , , r , ,,, ,- r , , ,- , , ,- r r , r , ·r , ., r , , , r .,, r , , ., , .,,. r , , , ., , ,,. , r , ·, , r , , r r r , , , , ,, ,, :, , , , , r- :r , , r- , r r , ., , , , r ., , ., ,, , , , r , , , , r , , , , r , , , , , , r :r ,�rr,�rrrrrrr,,,,,,.,,,,,,,.,r,rr,,,,,,,,,�,r,, r , , r r ., r r , , ,,. r , ,,,. , , ,,. ,. ,, ,, ,,. r ,,.. ., , , ,,,. , ,. , , , , ,,. ,,. r ,- r , ·r .,,, r ,- ,,.,,,,. ,,,,,.,�,,,,,,,,,�,,,,rr,r,�,,,,r,,r,r,,,.,�,�, , , , r ,- ,: 1,., r, r �- , ,, , r r .,,,,. , , , r, ,,, , r r: ,, r,,,,,, r, ., , , , ,,,,,, .,,,,,,,,,,,,,,,,,,,.,,.,,,.,,,,,.,,,,,,,,, ,,,,,,,, , ,,,,. , , r r •r r , , r , r r , , , ,r ,- ·r :r r , r ,,,,. r r · , ., , ,,,,.. r ., , , , , ,- , , r , , r ,,,,,. ,- ,. ,,,,. ,,. ,, , ,, , ,. ,,, ,,. ,,,. , ,,,,. , , ,, , ,,. , ,, ,,, ,,. , ,, , , , ,, ,, , :, , , , .,,,. ,,. , ,,, , , ,,. .,,,. ,,,,,. , r r ,,- , .,,,. ., , ,,. r r , ., , ,- , r r r ,, ,· r .,,. -, , -,,,. , , r r , , , , r r , -I"' , r ·r r r ,
ATTACHMENT A
2027
Renewal
Results -
Dental
29 The Dental PPO plan is self-insured through PRISM
• Alliant recommends a dental reserve fund of approximately $111,000 to cover one month of claims
• Effective 1/1/2027, Alliant’s underwriting analysis for the Dental renewal is +1.1%. • The underwriting analysis includes the following:
o Claims through March 2026
o 4.0% Trend
o 3.0% Margin
o The most recent 12 months are weighted 80% for current 12 months and 20% for the prior 12 months
• 2027 Administrative Fees (no change):
o Delta Dental ASO: 6.7% of Paid Claims
o BCC Eligibility Fees $0.75 PEPM
o Aliant Broker Fees $2.00 PEPM
o UW Fee $0.50 PEPM
The DHMO plan is fully insured with Delta Dental (DeltaCare) • Rate Pass (0%)
ATTACHMENT A
Enrollment Premium Costs Paid
Month Employees Funding Rate Claims Admin Total Cost L/R 1/24 1,159 $131,643 $116,688 $22,362 $139,050 105.6%
2/24 1,155 $131,121 $130,531 $23,236 $153,767 117.3%
3/24 1,152 $130,417 $97,254 $20,952 $118,207 90.6%
4/24 1,164 $131,507 $83,306 $20,156 $103,462 78.7%
5/24 1,171 $132,369 $139,309 $23,999 $163,308 123.4%
6/24 1,175 $132,392 $115,172 $22,412 $137,585 103.9%
7/24 1,178 $132,914 $106,097 $21,850 $127,947 96.3%
8/24 1,173 $132,018 $144,386 $24,338 $168,723 127.8%
9/24 1,185 $133,209 $77,689 $20,012 $97,700 73.3%
10/24 1,189 $133,255 $116,673 $22,655 $139,328 104.6%
11/24 1,194 $134,220 $95,744 $21,334 $117,078 87.2%
12/24 1,191 $133,300 $95,560 $21,257 $116,817 87.6%
1/25 1,206 $135,293 $126,336 $12,384 $138,720 102.5%
2/25 1,221 $136,438 $98,623 $10,576 $109,199 80.0%
3/25 1,201 $134,228 $114,965 $11,606 $126,571 94.3%
4/25 1,202 $134,160 $116,017 $11,680 $127,696 95.2%
5/25 1,200 $133,809 $109,509 $11,237 $120,747 90.2%
6/25 1,195 $133,491 $93,594 $10,155 $103,749 77.7%
7/25 1,195 $133,718 $133,781 $12,847 $146,628 109.7%
8/25 1,197 $134,001 $96,501 $10,356 $106,857 79.7%
9/25 1,188 $133,208 $110,612 $11,272 $121,884 91.5%
10/25 1,195 $133,990 $122,430 $12,087 $134,516 100.4%
11/25 1,195 $133,933 $106,955 $11,050 $118,004 88.1%
12/25 1,188 $133,163 $107,472 $11,062 $118,533 89.0%
1/26 1,256 $141,374 $101,702 $10,896 $112,598 79.6%
2/26 1,255 $141,282 $127,451 $12,618 $140,068 99.1%
3/26 1,257 $141,213 $107,099 $11,261 $118,360 83.8%
PY 2024 14,086 $1,588,365 $1,318,409 $264,564 $1,582,974 99.7% PY 2025 14,383 $1,609,431 $1,336,794 $136,310 $1,473,104 91.5% PY 2026 3,768 $423,869 $336,252 $34,775 $371,027 87.5%
Rolling 12 14,523 $1,627,341 $1,333,123 $136,519 $1,469,642 90.3% 30 Dental Loss Ratio Report
ATTACHMENT A
Dental PPO Renewal (PRISM)
Dental Plan Benefits Delta Dental DPPO (PRISM)
ALL - Consolidated
Self-Funded - Current / Renewal
Calendar Year Maximum PPO Non-PPO
Per Member $1,500
(D & P does not count towards maximum)
Calendar Year Deductible
Individual / Family None
Diagnostic and Preventive
Oral Exam
X-Rays
Teeth Cleaning
Fluoride Treatment
Basic Services
Sealants
Anesthesia
Periodontics (Gum disease)
Endodontics (Root Canal)
Simple & Surgical Extractions
Major Services
Single Crowns
Inlays, Onlays, Veneers
Dental Implants
Bridges & Dentures
Repair & Maintenance of Bridgework & Dentures
Orthodontics Adult & Child
Benefit Percentage 50%
Lifetime Maximum $2,000
Out-of-Network Reimbursement Contracted Fees
ADMINISTRATION RATE GUARANTEE
1 Year
(1/1/2026 - 12/31/2026)
1 Year
(1/1/2027-12/31/2027)
PRISM Delta Dental Admin Fee 6.7% of Paid Claims
BCC, UW, and Program Management Fees $3.25 PEPM
FIE RATE GUARANTEE
1 Year
(1/1/2025 - 12/31/2025)
1 Year
(1/1/2027-12/31/2027)
MONTHLY RATES EEs Current Renewal
Employee Only 365 $56.67 $57.30
Employee + 1 185 $113.32 $114.57
Employee + Family 539 $147.31 $148.94
1089
TOTAL MONTHLY PREMIUM $121,049 $122,389
TOTAL ANNUAL PREMIUM $1,452,586 $1,468,663
ANNUAL DOLLAR CHANGE $16,077
ANNUAL PERCENT CHANGE 1.1%
Enrollment from Post OE Census as of December 2025
80%
80%
100%
This document is intended as a quick reference, not a comprehensive description. Limitations and exclusions can 50%
31 ATTACHMENT A
32 Dental HMO Renewal
Dental Plan Benefits DeltaCare DHMO
Current / Renewal
Diagnostic and Preventive
Office Visit 101 $0
Teeth Cleaning 1110 $0
X-Rays 210 $0
Sealants - per tooth 1351 $10
Restorative
Amalgam Filling 1-3 Surfaces 2140 $0
Composite Filling 2380 $0
Periodontics
Scaling and Root Planning - per quad 4341 $25
Gingivectomy (Per Quadrant) 4210 $130
Osseus Surgery 4260 $280
Endodontics (Root Canal Therapy)
Pulp Cap 3110 $0
Therapeutic Pulpotomy 3220 $0
Root Canal Therapy - (anterior) 3310 $55
Prosthodontics
Immediate - Upper or Lower 5130-40 $165
Complete - Upper or Lower 5110-20 $145
Partial Denture - Upper or Lower 5213-14 $160
Crown and Bridge
Inlay (one surface) 2510 $0
Crown - Porcelain/Ceramic Substrate 2740 $240
Crown - Porcelain Fused to High Noble Metal 2750-52 $140 - $240 Crown - Full Cast High Noble Metal 2790-92 $150 - $210
Oral Surgery
Extractions - Impacted tooth: soft tissue 7220 $50
Extractions - Impacted tooth: partial bony 7230 $70
Extractions - Impacted tooth: full bony 7240 $90
Orthodontics - comprehensive
Child to age 19 $1,700
Member over age 19 $1,900
RATE GUARANTEE 2 Years
(1/1/2025- 12/31/2026)
2 Years
(1/1/2027- 12/31/2028)
MONTHLY RATES EE's Current Renewal
Employee Only 148 $17.32 $17.32
Employee + 1 51 $33.40 $33.40
Employee + Family 82 $72.94 $72.94
281
TOTAL MONTHLY PREMIUM $10,248 $10,248
TOTAL ANNUAL PREMIUM $122,974 $122,974
ANNUAL DOLLAR CHANGE $0
ANNUAL PERCENT CHANGE 0.0%
Enrollment from Post OE Census as of December 2025
ADA
code
This document is intended as a quick reference, not a comprehensive description. Limitations and exclusions can be found in the official plan documents. In case of any discrepancies, the official plan documents will govern.
ATTACHMENT A
Vision Renewal
,,,,,.,,r,�,,,,,,.,,,,,,,,,,,.,,,�,�,,r,,,,,,,,,,,.,,,,.,,,,.,,,,,, , ,. , ,,,. , ,,,,. ,,, ,,, ,,, , ,,, .,,,. ,,. ,,,.. ,,. ,,,. ,,. ,,,. ,,, , ,,. ,,, ,,. ,,. ,,. , ,,,. ., ,, , , , ,, ., , ,, , , ,,. ,, ,,. ,,, ,,. .,. �,,r,�,�r�rr,r,�,,,,,rrr,�,,�,�,,�r�r,,,,��, ,,,,,.,,,.,,,,.,,.,,.,,,,,.,,,,,.,,,.,,,,�,,,,,,,,,.,,,,,.,,.,,,,,,, ,,. ,, , ,,. ,,. '., , ,,. ,,,. ,,. ,,,.. ,,,, ., , ,,. ,,. ,,. ,- . , , ,. , ,,. ,, ,,, ,,, ., ,,. ,. ,. ,,. ., r , ., , . ,,. , ,,. , , , , - r , ,,. ,, ,.,,,,,,,,,,,,,,,,,,,,,r,,r,,,,,,,,,,,,,,., ,,.,,,,,,,,.,,,,,,,,,,,,,,,,,.,,.,,,,,.,r,,,,,,,,,,,,.,,,,., r,,,,,.,,.,,.,,.,,.,,,.,�,,,,r,,,,,�,,,,�,,,�,,�,�,,,,,, r , r , ,,. , , , , r , r r , , ,,,,, .r , r r ,. ,. •, ,,,, r , , , , , r r , , , .,,,. r ,, . , , :r ., , , , ,, ,,. , ,,. .,,,. ,,,.. .,,. , ,,,. ,, , ,,. ,,. ,,. ,,. , ,,. ., :,, .,· ,, ,,,. ,,. ,,. ,,. .,,. ,,. ,,.. ,, ,,. ,' .,,. , ,,, ,,. , , , .,,,. , ,. ,,. ,, , , :r , ,,. r r r , , r· : ,,,.. ., , r , , , . r ,. , , r ., r , , , ,, r r ., ,,. ·, , , r , r , :r , , , ,, , , ,,. , , ,,,. ,, ,,. :,, ,, ,,,. , , , ,, ,, ,, ,,. , ,,, ,,. ,, , ,, ,. ,,,,. ,,. ,,, ,,. , , , ,, , ,. , , ., ,,. ,, , ,,. ,,,. ,,,,,.,,,.,,,,,,�,,,,,,,,, ,,. ,.,,,.,,.,,,,,,,,,,,,.,,,.,,,,,,,,,,,,,,, r,,, ,,.,,,,,,,,�,,,,,,.,,,,.,,,,,,,,.,,,,.,,,,,,.,r,,,,,,,,.,,. r ., , , , -r "' , r ., , r r , , , , , r .. ,,, , , , r , , , , , , , , , •r r r r , , , , , r r ,,, , ,,, , ,,, ,, ., ,,. ,,. ,,. ,,. :, ,,, ,,.. ,, , ,,. , ,,,, ,,. ,,, ,,,, ,,, , , ,, ,,. ,, , , ,, , ,,. ,,. ,, ,, ,, , ,,. ,,, _,,. ,,. , .,,,. r r ,, , " ·"' , ,- , , r· , ,- , , , , ,,,,. , , ,,,, , , , , , , ,,, r· , , , r , ,,, ,- r , , ,- , , ,- r r , r , ·r , ., r , , , r .,, r , , ., , .,,. r , , , ., , ,,. , r , ·, , r , , r r r , , , , ,, ,, :, , , , , r- :r , , r- , r r , ., , , , r ., , ., ,, , , , r , , , , r , , , , r , , , , , , r :r ,�rr,�rrrrrrr,,,,,,.,,,,,,,.,r,rr,,,,,,,,,�,r,, r , , r r ., r r , , ,,. r , ,,,. , , ,,. ,. ,, ,, ,,. r ,,.. ., , , ,,,. , ,. , , , , ,,. ,,. r ,- r , ·r .,,, r ,- ,,.,,,,. ,,,,,.,�,,,,,,,,,�,,,,rr,r,�,,,,r,,r,r,,,.,�,�, , , , r ,- ,: 1,., r, r �- , ,, , r r .,,,,. , , , r, ,,, , r r: ,, r,,,,,, r, ., , , , ,,,,,, .,,,,,,,,,,,,,,,,,,,.,,.,,,.,,,,,.,,,,,,,,, ,,,,,,,, , ,,,,. , , r r •r r , , r , r r , , , ,r ,- ·r :r r , r ,,,,. r r · , ., , ,,,,.. r ., , , , , ,- , , r , , r ,,,,,. ,- ,. ,,,,. ,,. ,, , ,, , ,. ,,, ,,. ,,,. , ,,,,. , , ,, , ,,. , ,, ,,, ,,. , ,, , , , ,, ,, , :, , , , .,,,. ,,. , ,,, , , ,,. .,,,. ,,,,,. , r r ,,- , .,,,. ., , ,,. r r , ., , ,- , r r r ,, ,· r .,,. -, , -,,,. , , r r , , , , r r , -I"' , r ·r r r ,
ATTACHMENT A
2027
Renewal
Results -
Vision
34 • The VSP plan is currently self-insured directly through VSP • Alliant recommends a vision reserve fund of approximately $10,000 to cover 3 weeks of claims
• Effective 1/1/2027, Alliant’s underwriting analysis for the Vision renewal is -1.4%.
• The underwriting analysis includes the following:
o Claims through May 2025
o 2.5% Trend
o 5% Margin
o The most recent 12 months are weighted 70% for current 12 months and 30% for the prior 12 months
o 2027 Administrative Fees:
▪ VSP ASO: $1.41 PEPM
ATTACHMENT A
Enrollment Funding Incurred Claims Fixed Costs TOTAL Total Surplus Employees Budgeted Dental Admin TOTAL COST Ratio (Deficit) Month
1/24 1,375 $21,251 $13,178 $2,745 $2,745 $15,922 75% $5,329 2/24 1,369 $21,173 $12,003 $2,733 $2,733 $14,736 70% $6,437 3/24 1,351 $20,857 $17,086 $2,696 $2,696 $19,782 95% $1,076 4/24 1,394 $21,459 $12,783 $2,778 $2,778 $15,561 73% $5,898 5/24 1,408 $21,673 $9,547 $2,806 $2,806 $12,353 57% $9,319 6/24 1,418 $21,711 $11,836 $2,821 $2,821 $14,657 68% $7,054 7/24 1,439 $22,006 $14,110 $2,861 $2,861 $16,971 77% $5,035 8/24 1,443 $22,014 $12,754 $2,866 $2,866 $15,620 71% $6,393 9/24 1,463 $22,231 $15,823 $2,902 $2,902 $18,725 84% $3,506 10/24 1,456 $22,147 $10,065 $2,889 $2,889 $12,954 58% $9,193 11/24 1,451 $22,156 $16,191 $2,883 $2,883 $19,074 86% $3,083 12/24 1,453 $22,079 $10,444 $2,882 $2,882 $13,326 60% $8,752 1/25 1,444 $20,651 $9,206 $1,805 $1,805 $11,011 53% $9,640 2/25 1,461 $20,782 $11,499 $1,826 $1,826 $13,325 64% $7,457 3/25 1,464 $20,812 $12,009 $1,830 $1,830 $13,839 66% $6,973 4/25 1,471 $20,865 $11,505 $1,839 $1,839 $13,344 64% $7,521 5/25 1,465 $20,746 $12,604 $1,831 $1,831 $14,435 70% $6,311 6/25 1,464 $20,754 $11,258 $1,830 $1,830 $13,088 63% $7,666 7/25 1,463 $20,782 $9,837 $1,829 $1,829 $11,665 56% $9,116 8/25 1,480 $20,950 $15,825 $1,850 $1,850 $17,675 84% $3,275 9/25 1,466 $20,797 $11,846 $1,833 $1,833 $13,679 66% $7,118 10/25 1,478 $20,922 $14,610 $1,848 $1,848 $16,458 79% $4,464 11/25 1,483 $20,939 $16,267 $1,854 $1,854 $18,121 87% $2,818 12/25 1,485 $20,913 $18,070 $1,856 $1,856 $19,927 95% $986 1/26 1,483 $17,451 $16,444 $2,091 $2,091 $18,535 106% ($1,084) 2/26 1,486 $17,494 $14,529 $2,095 $2,095 $16,624 95% $870 3/26 1,489 $17,503 $12,950 $2,099 $2,099 $15,049 86% $2,454 4/26 1,487 $17,536 $14,385 $2,097 $2,097 $16,482 94% $1,054 5/26 1,481 $17,458 $13,332 $2,088 $2,088 $15,420 88% $2,038 PY 2024 17,020 $260,756 $155,818 $33,863 $33,863 $189,681 73% $71,074 PY 2025 17,624 $249,911 $154,536 $22,030 $22,030 $176,566 71% $73,346 PY 2026 7,426 $87,443 $71,640 $10,471 $10,471 $82,111 94% $5,332 Rolling 12 17,745 $233,498 $169,353 $23,369 $23,369 $192,722 83% $40,776 35 Vision Loss Ratio Report
ATTACHMENT A
36 Vision Renewal
Vision Plan Benefits VSP Choice Plan
Self-Funded
In-Network Out-of-Network
Copay
Plan pays
up to:
Exam $10 $45
Lenses
Single $20 $30
Bifocal $20 $50
Trifocal $20 $65
Contact Lenses $120 Allowance
(Copay Waived) $105
Frames $120 Allowance
+ 20% Discount (over
$120)
$70
Frequency of Services
Eye Examination 12 months
Lenses 12 months
Frames 12 months
Contact Lenses* 12 months
* In lieu of frames
Administration Rate Guarantee 3 Years
(1/1/2026 - 12/31/2028)
Admin Fee $1.41 PEPM
Rate Guarantee
1 Year
(1/1/2026-12/31/2026)
1 Year
(1/1/2027-12/31/2027)
MONTHLY RATES EE'S Current Renewal
Employee Only 524 $6.14 $6.05
Employee + 1 Dependent 234 $12.29 $12.12
Employee + Family 629 $15.95 $15.73
1387
TOTAL MONTHLY PREMIUM $16,126 $15,900
TOTAL ANNUAL PREMIUM $193,509 $190,805
ANNUAL $ DIFFERENCE ($2,704)
ANNUAL % DIFFERENCE -1.4%
Out-of-Network - Plan will pay after in-network Copay. Frames have a $20 copay.
Enrollment from VSP Enrollment Sheet as of January 2026 This document is intended as a quick reference, not a comprehensive description. Limitations and exclusions can be found in the official plan documents. In case of any discrepancies, the official plan documents will govern.
ATTACHMENT A
EAP Renewal
,,,,,.,,r,�,,,,,, .,,,,,,,,,,,.,,,�,�,,r,,,,,,,,,,,.,,,,.,,,,.,,,,,, , ,. , ,,,. , ,,,,. ,,, ,,, ,,, , ,,, .,,,. ,,. ,,,.. ,,. ,,,. ,,. ,,,. ,,, , ,,. ,,, ,,. ,,. ,,. , ,,,. ., ,, , , , ,, ., , ,, , , ,,. ,, ,,. ,,, ,,. .,. �,,r,�,�r�rr,r,�,,,,,rrr,�,,�,�,,�r�r,,,,��, ,,,,,.,,,.,,,,.,,.,,.,,,,,.,,,,,.,,,.,,,,�,,,,,,,,,.,,,,,.,,.,,,,,,, ,,. ,, , ,,. ,,. '., , ,,. ,,,. ,,. ,,,.. ,,,, ., , ,,. ,,. ,,. ,- . , , ,. , ,,. ,, ,,, ,,, ., ,,. ,. ,. ,,. ., r , ., , . ,,. , ,,. , , , , - r , ,,. ,, ,.,,,,,,,,,,,,,,,,,,,,,r,,r,,,,,,,,,,,,,,., ,,.,,,,,,,,.,,,,,,,,,,,,,,,,,.,,.,,,,,.,r,,,,,,,,,,,,.,,,,., r,,,,,.,,.,,.,,.,,.,,,.,�,,,,r,,,,,�,,,,�,,,�,,�,�,,,,,, r , r , ,,. , , , , r , r r , , ,,,,, .r , r r ,. ,. •, ,,,, r , , , , , r r , , , .,,,. r ,, . , , :r ., , , , ,, ,,. , ,,. .,,,. ,,,.. .,,. , ,,,. ,, , ,,. ,,. ,,. ,,. , ,,. ., :,, .,· ,, ,,,. ,,. ,,. ,,. .,,. ,,. ,,.. ,, ,,. ,' .,,. , ,,, ,,. , , , .,,,. , ,. ,,. ,, , , :r , ,,. r r r , , r· : ,,,.. ., , r , , , . r ,. , , r ., r , , , ,, r r ., ,,. ·, , , r , r , :r , , , ,, , , ,,. , , ,,,. ,, ,,. :,, ,, ,,,. , , , ,, ,, ,, ,,. , ,,, ,,. ,, , ,, ,. ,,,,. ,,. ,,, ,,. , , , ,, , ,. , , ., ,,. ,, , ,,. ,,,. ,,,,,.,,,.,,,,,,�,,,,,,,,, ,,. ,.,,,.,,.,,,,,,,,,,,,.,,,.,,,,,,,,,,,,,,, r,,, ,,.,,,,,,,,�,,,,,,.,,,,.,,,,,,,,.,,,,.,,,,,,.,r,,,,,,,,.,,. r ., , , , -r "' , r ., , r r , , , , , r .. ,,, , , , r , , , , , , , , , •r r r r , , , , , r r ,,, , ,,, , ,,, ,, ., ,,. ,,. ,,. ,,. :, ,,, ,,.. ,, , ,,. , ,,,, ,,. ,,, ,,,, ,,, , , ,, ,,. ,, , , ,, , ,,. ,,. ,, ,, ,, , ,,. ,,, _,,. ,,. , .,,,. r r ,, , " ·"' , ,- , , r· , ,- , , , , ,,,,. , , ,,,, , , , , , , ,,, r· , , , r , ,,, ,- r , , ,- , , ,- r r , r , ·r , ., r , , , r .,, r , , ., , .,,. r , , , ., , ,,. , r , ·, , r , , r r r , , , , ,, ,, :, , , , , r- :r , , r- , r r , ., , , , r ., , ., ,, , , , r , , , , r , , , , r , , , , , , r :r ,�rr,�rrrrrrr,,,,,,.,,,,,,,.,r,rr,,,,,,,,,�,r,, r , , r r ., r r , , ,,. r , ,,,. , , ,,. ,. ,, ,, ,,. r ,,.. ., , , ,,,. , ,. , , , , ,,. ,,. r ,- r , ·r .,,, r ,- ,,.,,,,. ,,,,,.,�,,,,,,,,,�,,,,rr,r,�,,,,r,,r,r,,,.,�,�, , , , r ,- ,: 1,., r, r �- , ,, , r r .,,,,. , , , r, ,,, , r r: ,, r,,,,,, r, ., , , , ,,,,,, .,,,,,,,,,,,,,,,,,,,.,,.,,,.,,,,,.,,,,,,,,, ,,,,,,,, , ,,,,. , , r r •r r , , r , r r , , , ,r ,- ·r :r r , r ,,,,. r r · , ., , ,,,,.. r ., , , , , ,- , , r , , r ,,,,,. ,- ,. ,,,,. ,,. ,, , ,, , ,. ,,, ,,. ,,,. , ,,,,. , , ,, , ,,. , ,, ,,, ,,. , ,, , , , ,, ,, , :, , , , .,,,. ,,. , ,,, , , ,,. .,,,. ,,,,,. , r r ,,- , .,,,. ., , ,,. r r , ., , ,- , r r r ,, ,· r .,,. -, , -,,,. , , r r , , , , r r , -I"' , r ·r r r ,
ATTACHMENT A
EAP Renewal – Halcyon EAP
EAP SimpleTherapy EAP
Plan Benefits Current / Renewal
Sessions
All Other 3 Sessions every 6 months1
First Responder N/A
Digital Capabilities
Digital Platforms Web Portal, eConnect mobile app, and
textcoach text therapy
Telephonic Included
Video Included
Text Included
Employee Services
Legal Included
Financial Included
Dependent Care Included
Employer Services
Management Consultations Unlimited
CISD Seminar(s) Unlimited
Onsite Orientations 10 Hours
Add-On
Coaching N/A
RATE GUARANTEE
1 Year
(1/1/2026 - 12/31/2026)
1 Year
(1/1/2027 - 12/31/2027)
MONTHLY RATES EE's Current Renewal
Per Employee Per Month 1,557 $1.72 $1.72
MONTHLY PREMIUM $2,678 $2,678
ANNUAL PREMIUM $32,136 $32,136
ANNUAL $ DIFFERENCE $0
ANNUAL % DIFFERENCE 0.0%
Employee Count from SimpleTherapy Enrollment Counts via Email This document is intended as a quick reference, not a comprehensive description. Limitations and exclusions can be found in the official plan documents. In case of any discrepancies, the official plan documents will govern.
1Additional beyond 3 sessions available at $100/visit (self-fund), up to 10 sessions. The City will receive an invoice from SimpleTherapy for each visit beyond initial 3. 38 ATTACHMENT A
Contributions
ATTACHMENT A
Contributions (All Employees except SPOA) – Sutter Health Plan 40 Employee Contributions 2026 Current Current 2027 Renewal Proposed Monthly Contributions Per Paycheck Monthly Contributions Per Paycheck Total ER Cost EE Cost EE % EE Cost Total ER Cost EE Cost EE % % ∆ EE Cost Sutter Health HMO LG18, DHMO, and Vision Lives LG18 Lives EE Only 36 $1,266.86 $936.10 $330.76 26.1% $165.38 36 $1,384.27 $973.54 $410.73 29.7% 24.2% $205.37 EE + 1 8 $2,284.59 $1,698.55 $586.04 25.7% $293.02 8 $2,495.92 $1,766.49 $729.43 29.2% 24.5% $364.72 EE + Family 23 $3,074.79 $2,263.20 $811.59 26.4% $405.80 23 $3,356.57 $2,353.73 $1,002.84 29.9% 23.6% $501.42 Annual Premium 67 $1,615,246 $1,192,099 $423,147 26.2% 67 $1,764,026 $1,239,782 $524,244 29.7% Sutter Health HMO LG18, DPPO, and Vision Lives LG18 Lives EE Only 130 $1,306.21 $936.10 $370.11 28.3% $185.06 130 $1,424.25 $973.54 $450.71 31.6% 21.8% $225.36 EE + 1 66 $2,364.51 $1,698.55 $665.96 28.2% $332.98 66 $2,577.09 $1,766.49 $810.60 31.5% 21.7% $405.30 EE + Family 158 $3,149.16 $2,263.20 $885.96 28.1% $442.98 158 $3,432.57 $2,353.73 $1,078.84 31.4% 21.8% $539.42 Annual Premium 354 $9,881,187 $7,096,595 $2,784,592 28.2% 354 $10,771,038 $7,380,455 $3,390,583 31.5% Sutter Health DHMO LG24, DHMO, and Vision Lives LG24 Lives EE Only 2 $1,095.36 $936.10 $159.26 14.5% $79.63 2 $1,136.37 $973.54 $162.83 14.3% 2.2% $81.42 EE + 1 2 $1,975.89 $1,698.55 $277.34 14.0% $138.67 2 $2,049.72 $1,766.49 $283.23 13.8% 2.1% $141.62 EE + Family 2 $2,663.29 $2,263.20 $400.09 15.0% $200.05 2 $2,761.67 $2,353.73 $407.94 14.8% 2.0% $203.97 Annual Premium 6 $137,629 $117,548 $20,081 14.6% 6 $142,746 $122,250 $20,496 14.4% Sutter Health DHMO LG24, DPPO, and Vision Lives LG24 Lives EE Only 9 $1,134.71 $936.10 $198.61 17.5% $99.31 9 $1,176.35 $973.54 $202.81 17.2% 2.1% $101.41 EE + 1 1 $2,055.81 $1,698.55 $357.26 17.4% $178.63 1 $2,130.89 $1,766.49 $364.40 17.1% 2.0% $182.20 EE + Family 9 $2,737.66 $2,263.20 $474.46 17.3% $237.23 9 $2,837.67 $2,353.73 $483.94 17.1% 2.0% $241.97 Annual Premium 19 $442,886 $365,907 $76,979 17.4% 19 $459,085 $380,543 $78,542 17.1% Sutter Health HDHP HE08, DHMO, and Vision Lives HE08 Lives EE Only 12 $1,081.16 $936.10 $145.06 13.4% $72.53 12 $1,176.67 $973.54 $203.13 17.3% 40.0% $101.57 EE + 1 4 $1,949.49 $1,698.55 $250.94 12.9% $125.47 4 $2,121.42 $1,766.49 $354.93 16.7% 41.4% $177.47 EE + Family 5 $2,627.29 $2,263.20 $364.09 13.9% $182.05 5 $2,856.57 $2,353.73 $502.84 17.6% 38.1% $251.42 Annual Premium 21 $406,900 $352,121 $54,779 13.5% 21 $442,663 $366,205 $76,458 17.3% Sutter Health HDHP HE08, DPPO, and Vision Lives HE08 Lives EE Only 23 $1,120.51 $936.10 $184.41 16.5% $92.21 23 $1,216.65 $973.54 $243.11 20.0% 31.8% $121.56 EE + 1 13 $2,029.41 $1,698.55 $330.86 16.3% $165.43 13 $2,202.59 $1,766.49 $436.10 19.8% 31.8% $218.05 EE + Family 59 $2,701.66 $2,263.20 $438.46 16.2% $219.23 59 $2,932.57 $2,353.73 $578.84 19.7% 32.0% $289.42 Annual Premium 95 $2,538,624 $2,125,683 $412,941 16.3% 95 $2,755,659 $2,210,710 $544,949 19.8%
ATTACHMENT A
Contributions (All Employees except SPOA) – Sutter Health Plan 41 Employee Contributions 2026 Current Current 2027 Renewal Proposed Monthly Contributions Per Paycheck Monthly Contributions Per Paycheck Total ER Cost EE Cost EE % EE Cost Total ER Cost EE Cost EE % % ∆ EE Cost Sutter Health HMO LG22, DHMO, and Vision Lives LG22 Lives EE Only 1 $1,187.06 $936.10 $250.96 21.1% 1 $1,261.47 $973.54 $287.93 22.8% 14.7% $143.97 EE + 1 2 $2,140.99 $1,698.55 $442.44 20.7% 2 $2,274.92 $1,766.49 $508.43 22.3% 14.9% $254.22 EE + Family 0 $2,883.29 $2,263.20 $620.09 21.5% 0 $3,061.87 $2,353.73 $708.14 23.1% 14.2% $354.07 Annual Premium 3 $65,628 $51,998 $13,630 20.8% 3 $69,736 $54,078 $15,657 22.5% Sutter Health HMO LG22, DPPO, and Vision Lives LG22 Lives EE Only 7 $1,226.41 $936.10 $290.31 23.7% 7 $1,301.45 $973.54 $327.91 25.2% 13.0% $163.96 EE + 1 6 $2,220.91 $1,698.55 $522.36 23.5% 6 $2,356.09 $1,766.49 $589.60 25.0% 12.9% $294.80 EE + Family 8 $2,957.66 $2,263.20 $694.46 23.5% 8 $3,137.87 $2,353.73 $784.14 25.0% 12.9% $392.07 Annual Premium 21 $546,859 $418,195 $128,664 23.5% 21 $580,196 $434,923 $145,273 25.0% Sutter Health DHMO LG29, DHMO, and Vision Lives LG29 Lives EE Only 0 $843.36 $843.36 $0.00 0.0% $421.68 0 $1,008.77 $973.54 $35.23 3.5% N/A $17.62 EE + 1 0 $1,522.29 $1,522.29 $0.00 0.0% $761.15 0 $1,820.02 $1,766.49 $53.53 2.9% N/A $26.77 EE + Family 1 $2,058.49 $2,058.49 $0.00 0.0% $1,029.25 1 $2,455.37 $2,353.73 $101.64 4.1% N/A $50.82 Annual Premium 1 $24,702 $24,702 $0 0.0% 1 $29,464 $28,245 $1,220 4.1% Sutter Health DHMO LG29, DPPO, and Vision Lives LG29 Lives EE Only 4 $882.71 $882.71 $0.00 0.0% $441.36 4 $1,048.75 $973.54 $75.21 7.2% N/A $37.61 EE + 1 3 $1,602.21 $1,602.21 $0.00 0.0% $801.11 3 $1,901.19 $1,766.49 $134.70 7.1% N/A $67.35 EE + Family 9 $2,132.86 $2,132.86 $0.00 0.0% $1,066.43 9 $2,531.37 $2,353.73 $177.64 7.0% N/A $88.82 Annual Premium 16 $330,399 $330,399 $0 0.0% 16 $392,171 $364,526 $27,644 7.0% Sutter Health HDHP HL12, DHMO, and Vision Lives HL12 Lives EE Only 7 $833.36 $833.36 $0.00 0.0% $416.68 7 $880.37 $880.37 $0.00 0.0% N/A $0.00 EE + 1 2 $1,503.39 $1,503.39 $0.00 0.0% $751.70 2 $1,588.12 $1,588.12 $0.00 0.0% N/A $0.00 EE + Family 2 $2,032.49 $2,032.49 $0.00 0.0% $1,016.25 2 $2,145.47 $2,145.47 $0.00 0.0% N/A $0.00 Annual Premium 11 $154,863 $154,863 $0 0.0% 11 $163,557 $163,557 $0 0.0% Sutter Health HDHP HL12, DPPO, and Vision Lives HL12 Lives EE Only 11 $872.71 $872.71 $0.00 0.0% $436.36 11 $920.35 $920.35 $0.00 0.0% N/A $0.00 EE + 1 5 $1,583.31 $1,583.31 $0.00 0.0% $791.66 5 $1,669.29 $1,669.29 $0.00 0.0% N/A $0.00 EE + Family 20 $2,106.86 $2,106.86 $0.00 0.0% $1,053.43 20 $2,221.47 $2,221.47 $0.00 0.0% N/A $0.00 Annual Premium 36 $715,843 $715,843 $0 0.0% 36 $754,796 $754,796 $0 0.0% SUTTER TOTAL 650 $16,860,766 $12,945,953 $3,914,813 23.2% 650 $18,325,138 $13,500,071 $4,825,067 26.3% Change from current - $ $1,464,372 $554,118 $910,254
Change from current - % 8.7% 4.3% 23.3%
ATTACHMENT A
42 Contributions (All Employees except SPOA) – Kaiser
Employee Contributions 2026 Current Current 2027 Renewal Proposed Monthly Contributions Per Paycheck Monthly Contributions Per Paycheck Total ER Cost EE Cost EE % EE Cost Total ER Cost EE Cost EE % % ∆ EE Cost Kaiser HMO, DHMO, and Vision Lives Lives
EE Only 63 $950.23 $936.10 $14.13 1.5% $7.07 63 $1,007.76 $973.54 $34.22 3.4% 142.2% $17.11 EE + 1 29 $1,713.87 $1,698.55 $15.32 0.9% $7.66 29 $1,817.43 $1,766.49 $50.94 2.8% 232.5% $25.47 EE + Family 34 $2,313.14 $2,263.20 $49.94 2.2% $24.97 34 $2,451.21 $2,353.73 $97.48 4.0% 95.2% $48.74 Annual Premium 126 $2,258,562 $2,222,173 $36,389 1.6% 126 $2,394,426 $2,311,057 $83,369 3.5% Kaiser HMO, DPPO and Vision Lives Lives
EE Only 148 $989.58 $936.10 $53.48 5.4% $26.74 148 $1,047.74 $973.54 $74.20 7.1% 38.7% $37.10 EE + 1 74 $1,793.79 $1,698.55 $95.24 5.3% $47.62 74 $1,898.60 $1,766.49 $132.11 7.0% 38.7% $66.05 EE + Family 228 $2,387.51 $2,263.20 $124.31 5.2% $62.16 228 $2,527.21 $2,353.73 $173.48 6.9% 39.6% $86.74 Annual Premium 450 $9,882,607 $9,362,941 $519,666 5.3% 450 $10,461,190 $9,737,455 $723,734 6.9% Kaiser DHMO, DHMO, and Vision Lives Lives
EE Only 3 $816.86 $816.86 $0.00 0.0% $0.00 3 $881.16 $881.16 $0.00 0.0% 0.0% $0.00 EE + 1 3 $1,473.81 $1,473.81 $0.00 0.0% $0.00 3 $1,589.55 $1,589.55 $0.00 0.0% 0.0% $0.00 EE + Family 3 $1,993.05 $1,993.05 $0.00 0.0% $0.00 3 $2,147.37 $2,147.37 $0.00 0.0% 0.0% $0.00 Annual Premium 9 $154,214 $154,214 $0 0.0% 9 $166,251 $166,251 $0 0.0% Kaiser DHMO, DPPO, and Vision Lives Lives
EE Only 11 $856.21 $856.21 $0.00 0.0% $0.00 11 $921.14 $921.14 $0.00 0.0% 0.0% $0.00 EE + 1 5 $1,553.73 $1,553.73 $0.00 0.0% $0.00 5 $1,670.72 $1,670.72 $0.00 0.0% 0.0% $0.00 EE + Family 10 $2,067.42 $2,067.42 $0.00 0.0% $0.00 10 $2,223.37 $2,223.37 $0.00 0.0% 0.0% $0.00 Annual Premium 26 $454,334 $454,334 $0 0.0% 26 $488,638 $488,638 $0 0.0% Kaiser HDHP, DHMO, and Vision Lives Lives
EE Only 19 $768.60 $768.60 $0.00 0.0% $0.00 19 $832.11 $832.11 $0.00 0.0% 0.0% $0.00 EE + 1 5 $1,386.94 $1,386.94 $0.00 0.0% $0.00 5 $1,501.25 $1,501.25 $0.00 0.0% 0.0% $0.00 EE + Family 9 $1,877.22 $1,877.22 $0.00 0.0% $0.00 9 $2,029.65 $2,029.65 $0.00 0.0% 0.0% $0.00 Annual Premium 33 $461,197 $461,197 $0 0.0% 33 $498,998 $498,998 $0 0.0% Kaiser HDHP, DPPO, and Vision Lives Lives
EE Only 36 $807.95 $807.95 $0.00 0.0% $0.00 36 $872.09 $872.09 $0.00 0.0% 0.0% $0.00 EE + 1 24 $1,466.86 $1,466.86 $0.00 0.0% $0.00 24 $1,582.42 $1,582.42 $0.00 0.0% 0.0% $0.00 EE + Family 76 $1,951.59 $1,951.59 $0.00 0.0% $0.00 76 $2,105.65 $2,105.65 $0.00 0.0% 0.0% $0.00 Annual Premium 136 $2,551,340 $2,551,340 $0 0.0% 136 $2,752,833 $2,752,833 $0 0.0% KAISER TOTAL 780 $15,762,254 $15,206,199 $556,055 3.5% 780 $16,762,335 $15,955,232 $807,103 4.8% Change from current - $ $1,000,082 $749,033 $251,049
Change from current - % 6.3% 4.9% 45.1%
ATTACHMENT A
OE and Benefits Fair
ATTACHMENT A
44 Open Enrollment
Open Enrollment
October 1 – October 31
Employees will make benefit selections through the Tyler Munis ESS portal Open Enrollment Benefits Fair
Join for an on-site Benefits and Wellness Fair to learn more about our plans and ask questions.
Date Time Location
October 6, 2026 10am to 2pm
Stockton Memorial Civic
Auditorium (South Hall)
525 N. Center Street
Stockton CA 95202
ATTACHMENT A
© 2026 Alliant Insurance Services, Inc.
CA License No. 0C36861
ATTACHMENT A