Affordable Care Act (ACA) Benefits Overview

Under the Affordable Care Act (ACA), you are eligible to enroll in a CSU Health Plan, along with some additional voluntary programs.

Use the links below to navigate to detailed plan information for each benefit of interest.

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MEDICAL PLANS
- CalPERS Health Plans
  The CSU contributes a portion of the monthly health premium based on the number of dependents you enroll. Any remaining balance is deducted from your paycheck through payroll deduction.
- FlexCash Health Program
  If you have qualifying outside health coverage, the CSU will pay you cash in lieu of enrolling in the offered CSU health plans.
IMPORTANT:
If you do not elect a health plan option under this initial enrollment period, you will need to qualify under a permittable event to enroll at a later time.

Dental and Vision plans are currently not available, based on eligibility. The opportunity to enroll will be communicated once eligibility is met.
FLEXIBLE SPENDING ACCOUNTS (HCRA/DCRA)

Flexible Spending Accounts (FSA):
Health Care Reimbursement Account (HCRA)
Dependent Care Reimbursement Account (DCRA)

IMPORTANT:
Any account balance at the end of the plan year, and unclaimed through the reimbursement process will be forfeited, so plan your annual contribution according to your needs.

The FSA accounts do not automatically renew. You must enroll during the Open Enrollment period (mid-September through early October), to have an active account the following plan year.
RETIREMENT PROGRAMS

Retirement Programs (Automatic Enrollment Based on Eligibility and overseen by the Payroll Department):

Part-Time, Seasonal, Temporary (PST)
Employees exclued from CalPERS Membership are placed under the PST Program.

CalPERS
Membership criteria is Full-Time appointments that exceed a 6 month duration, Half-Time appointments (50 percent or more) for a duration of one year or longer, Irregular-basis employees, such as seasonal, limited term and intermittent (some exlcusions) who work 1,000 hours or 125 days in a fiscal year, or prior CalPERS Membership with funds on deposit.

Voluntary Supplemental Retirement Programs:
CSU 403(b) Program with Fidelity
457 & 401(k) Programs with Savings Plus
VOLUNTARY PROGRAMS

Enrollment is these voluntary programs is between you and the carrier, and monthly fees/contributions will be through payroll deduction.

ARAG Legal Plan
Auto and Home Insurance (California Casualty)
Nationwide Pet Insurance
Pre-Tax Parking Deduction
Scholarshare 529 College Savings Plan

Enrollment in these voluntary plans is available year-round, with the exception of the ARAG Legal Plan, which requires election within your initial 60-day enrollment period or during any Open Enrollment period.