ACA-Eligible Employees

Kaiser High Deductible Health Plan (HDHP) and Traditional Health Maintenance Organization (HMO). These plans are available to ACA eligible employees and their qualified dependents at the below semi-monthly cost:

Extra Help Employee Benefits Guide and Rates

2025

2025 Extra Help Benefits Guide

2025	Employee Only		Employee +1		Employee & Family
Plan	Employee Cost	County Cost	Employee Cost	County Cost	Employee Cost	County Cost
Traditional HMO	$72.11	$409.61	$552.82	$409.61	$951.82	$409.61
High Deductible Health Plan	$57.37	$326.09	$439.82	$326.09	$757.26	$326.09

Health Savings Account: If you elect to enroll in the Kaiser HDHP, you will automatically be enrolled in a Health Savings Account (HSA) through Benefits Coordinator Corporation. The county will contribute 50% of your deductible to your HSA. For more information on HSA, visit the HSA webpage.

Default Enrollment: If you do not waive medical coverage during the open enrollment period, you will be AUTOMATICALLY enrolled in the Kaiser HDHP with employee only coverage.

Not sure if you are an ACA eligible employee? See the table below.

	Extra Help 75% - 100% FTE	Extra Help < 74% FTE, Relief, Seasonal	Extra Help Limited Term
Health Coverage Eligible?	Yes, you are eligible for the ACA Kaiser HMO and ACA Kaiser HDHP, along with a Health Savings Account. Your also eligible for the Basic Short Term Disability	You are placed on an ACA measurement period for 12 months. If you qualify, then you are eligible for the ACA Kaiser HMO and ACA Kaiser HDHP, along with a Health Savings Account.	Yes, you are eligible for Medical, Dental, Vision, Life Insurance, FSA, and EAP benefits .
Deferred Compensation Eligible?	Per IRS regulations, you are enrolled in the 457 OBRA at 7.5% employee contribution. You are also eligible to enroll in the Traditional 457 Deferred Compensation account.	Per IRS regulations, you are enrolled in the 457 OBRA at 7.5% employee contribution. You are also eligible to enroll in the Traditional 457 Deferred Compensation account.	The County contributes a percentage (2-4%) to your deferred compensation account. In addition, if you elect to contribute to the Traditional 457 Deferred Compensation account, the county will match up to 3% of bi‐weekly base pay.

Extra Help 75% - 100% FTE

Extra Help < 74% FTE, Relief, Seasonal

Extra Help Limited Term

Health Coverage Eligible?

Yes, you are eligible for the
ACA Kaiser HMO and ACA Kaiser HDHP, along with a Health Savings Account. Your also eligible for the Basic Short Term Disability

You are placed on an ACA
measurement period for 12
months. If you qualify, then you are eligible for the ACA Kaiser HMO and ACA Kaiser HDHP, along with a Health Savings Account.

Yes, you are eligible for Medical, Dental, Vision, Life Insurance, FSA, and EAP benefits

Deferred Compensation Eligible?

Per IRS regulations, you are enrolled in the 457 OBRA at 7.5% employee contribution. You are also eligible to enroll in the Traditional 457 Deferred Compensation account.

The County contributes a percentage (2-4%) to your deferred compensation account. In addition, if you elect to contribute to the Traditional 457 Deferred Compensation account, the county will match up to 3% of bi‐weekly base pay.

Questions? Contact the Employee Benefits Division at benefits@smcgov.org or (650) 363-1919.