National Medical Plan Options
K-C offers national medical plans that give you more control of your health care spend and saving for your future. All of the plan options offer access to Anthem’s national network of doctors and CVS Caremark’s network of pharmacies. They also all provide free preventive care.
CDHP Blue or Green
With your two medical plan options, the Consumer Driven Health Plan (CDHP) Blue with Health Savings Account (HSA) and CDHP Green with HSA, K-C gives you more choices and control over how you pay for health care.
Plan Options
No matter which option you choose, both CDHP Blue and Green:
- Work the same way
- Offer the same coverage
- Operate under the same Anthem BlueCross BlueShield network of providers
- Experience the same network discounts
- Receive the same HSA contribution from K-C
CDHP with HRA
If you're a full-time new hire employee who doesn't complete your Health & Welfare enrollment within 30 days of your hire date, you’ll automatically be enrolled in the CDHP with Health Reimbursement Arrangement (HRA).
Additionally, if you’re enrolled in TRICARE, Medicare, or a non-high deductible health plan outside of K-C, the IRS specifies that you cannot contribute to or receive company contributions into an HSA. There are also special eligibility considerations for Veterans Administration benefits. If you're ineligible for an HSA, you'll be offered the
CDHP with HRA that meet IRS restrictions. Click here to learn more about HSA eligibility.
Tobacco Surcharge & Cessation
If you or a covered dependent have used tobacco or nicotine in the past 12 months and are not enrolled in a cessation program, a $20 monthly surcharge applies to your medical premiums.
Need help quitting? LiveHealth Online makes it easy. Connect with a health coach by video or phone for personalized strategies to manage cravings. Coaches can even send nicotine replacement products to your home at no cost.
To learn more, register at LiveHealth Online and click the Tobacco-free tile.
Working Spouse/Partner Surcharge
K-C offers coverage to all spouses/partners, but for those who have employer-provided medical coverage available to them, there is an additional cost. This means if your spouse/partner has access to medical coverage through their employer, K-C will apply a $150 monthly surcharge if you continue to cover them on a K-C Anthem medical plan option. The working spouse/partner surcharge will be applied to your paycheck medical deduction.
The surcharge will not apply if your spouse/partner is:
- not employed,
- a K-C employee,
- self-employed, or
- not offered or eligible for medical coverage through their employer’s plan.
During enrollment for your health & welfare benefits, you’ll be asked about your spouse/partner’s eligibility for coverage. If you currently cover your spouse/partner and don’t complete your enrollment, the $150 monthly surcharge will be automatically applied. If your spouse/partner becomes eligible or loses eligibility for other employer medical coverage, you must notify K-C within 30 days of the change in eligibility by calling the K-C Benefits Information Line and selecting the Health & Welfare option. The change to apply or stop the surcharge on your paycheck will be made as soon as administratively possible after reporting the change in status and will apply going forward. K-C will not make retroactive adjustments to your paycheck.
Plan Comparison & Paycheck Costs
When comparing the plans, it's important to note that a separate deductible, out-of-pocket maximum, and coinsurance apply to out-of-network services. You can also print a copy of the 2026 Medical Plan Comparison Chart. Just remember, the paycheck costs don’t always tell the full story. Employees scheduled 20 to 29 hours per week are considered part-time employees as referenced in the chart below.
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2026 Medical Plan Comparison Chart
CDHP Blue with HSA CDHP Green with HSA How the Options Are Different: Your 2026 annual medical paycheck costs1
(excludes tobacco and working spouse/partner surcharge)Full-Time Employees:
$684 Individual
$2,799 2-Party
$4,934 2-Party Plus
Part-Time Employees:
$4,797 Individual
$10,309 2-Party
$15,830 2-Party Plus
Full-Time Employees:
$300 Individual
$1,879 2-Party
$3,553 2-Party Plus
Part-Time Employees:
$4,375 Individual
$9,388 2-Party
$14,450 2-Party Plus
Medical Tobacco Surcharge $240 $240 Medical Working Spouse/Partner Surcharge $1,800 $1,800 Deductible In-Network:
$2,100 Individual
$4,200 2-Party
$4,200 2-Party Plus
Out-of-Network:
$4,200 Individual
$8,400 2-Party
$8,400 2-Party PlusIn-Network:
$3,600 Individual
$7,200 2-Party
$7,200 2-Party Plus
Out-of-Network:
$7,200 Individual
$14,400 2-Party
$14,400 2-Party PlusOut-of-pocket maximum In-Network:
$4,200 Individual
$8,400 2-Party
$8,400 2-Party Plus
Out-of-Network:
$8,400 Individual
$16,800 2-Party
$16,800 2-Party PlusIn-Network:
$7,200 Individual
$14,400 2-Party
$14,400 2-Party Plus
Out-of-Network:
$14,400 Individual
$28,800 2-Party
$28,800 2-Party PlusHow the Options Are the Same: K-C's HSA/HRA contribution 2 Full-Time Employees:
$600 Individual
$1,200 2-Party
$1,200 2-Party PlusPart-Time Employees:
$300 Individual
$600 2-Party
$600 2-Party PlusPreventive care In-Network: K-C pays 100%.
Out-of-Network: You pay 100% until you reach the out-of-network deductible, then K-C pays 60%.Coinsurance In-Network: You pay 100% until you reach the in-network deductible, then K-C pays 80%.
Out-of-Network: You pay 100% until you reach the out-of-network deductible then K-C pays 60%.Office visits Urgent care Emergency room Hospitalization Lab, X-ray, imaging Mental health inpatient Mental health outpatient Physical (includes chiropratic), speech, and occupational therapy In-Network: You pay 100% until you meet the in-network deductible, then K-C pays 80%.
Out-of-Network: You pay 100% until you meet the out-of-network deductible, then K-C pays 60%.How Both Options Cover Prescription Drugs3 ACA Preventive K-C pays 100% for preventive prescriptions as required by the Affordable Care Act (ACA). CDHP long-term maintenance/preventive4 K-C pays 80% for these prescriptions defined by IRS Maintenance Guidelines until you reach the out-of-pocket maximum. Generic You pay 100% until you meet the deductible, then K-C pays 80%. Brand Preferred Non-preferred brand 1Amounts may differ based on rounding. For more information, access the My K-C Benefits mobile app.
2ELT and Grades 1-4 aren't eligible for K-C's HSA contribution.
3To view coverage details for specialty prescriptions, refer to the table on page 11 of your benefits guide.
4To learn which maintenance prescriptions are included, log in at caremark.com or call CVS Caremark.
Note: If you’re covered by Collective Bargaining Agreement (CBA), some of these provisions and medical rates may not apply to you. Please refer to your CBA for full details.
Which Plan Is Right For You?
Not sure if you’re Blue or Green? The plans are very similar, but here’s an easy way to start thinking through the differences.
Go GREEN if...
you prefer paying less out of your paycheck now, but having a higher deductible and out-of-pocket maximum to meet when you need care, then you might prefer the CDHP Green with HSA.
Go BLUE if...
you prefer paying more out of your paycheck now, but having a lower deductible and out-of-pocket maximum to meet when you need care, you might prefer the CDHP Blue with HSA.
How a CDHP with HSA Works
The CDHP determines what and how your health care is covered and the HSA is where and how you save and pay for health care tax-free. That means for the CDHP:
Annual Checkups
Your annual checkups and other preventive care are 100% paid by the plan — as long as you see an in-network provider. If you go out of network for preventive care, you’ll pay the entire cost of that care. If you need any medical care beyond your annual checkup, you pay the full Anthem-negotiated cost out of your HSA or out of pocket until you reach your deductible.
Deductible
If you reach your deductible, K-C pays 80% of the cost and you pay the remaining 20% when you use Anthem network providers.
Prescription Drugs
Prescription drug coverage depends on the type of the prescription. See the chart on the prescription page for details on the different types of prescriptions, how the CDHP plan option covers them, and any actions you need to take.
Out-of-pocket Maximum
If you reach your out-of-pocket maximum, the plan pays 100% of your eligible medical expenses and prescription drugs for the rest of the year.