2026 Health and Prescription Plans
The virtual benefits advisor, Alexnew window, can explain, recommend, and provide a side-by-side comparison of the College's health plans.
VISIT ALEXThe 2026 benefit rates are pending. The costs and plan details below reflect the current
2025 rates. Please note that 2026 rates will be available soon.
As an eligible employee of Montgomery College, you can choose the health plan that
works best for you and your family. Options include a high deductible plan with a
health savings account, a Point of Service (POS) plan, or an HMO.
The details of each plan below reflect the current 2025 benefits rates. Please note that the 2026 benefits rates are pending and will be available soon. To help you decide which plan is right for you, visit Alexnew window.
Cigna Choice Fund
This is a Health Savings Account (HSA) paired with a high-deductible medical plan.
Review the HSA Benefits Summary (PDF, 
) .
Plan Highlights:
- Prescription drug benefits will accumulate toward the out-of-pocket maximum, as required under the Affordable Care Act (ACA).
- The deductibles are $1,700 individual/$3,400 employee + 1/$3,800 family.
- The College contribution toward the HSA is $750 individual/$1,125 employee +1/$1,500 family.
- Employees can opt to fund additional dollars on a pre-tax basis: $3,650 (individual maximum), $7,625 (employee + 1 maximum), or $7,250 (family maximum). Employees age 55 or over can fund an additional $1,000.
- The CIGNA Telehealth Connections (PDF, ) program will provide 24/7/365 access for minor health conditions. You can access care
with MDLivenew window for a nominal cost.
Contribution and Out-of-Pocket Limits for Health Savings and High-Deductible Health
Plans
| 2026 | 2025 | 2024 | 2025-2026 change | |
| Annual HSA Contribution Limit (employer + employee) |
Self-only: $4,400 Family: $8,750 |
Self-only: $4,300 Family: $8,550 |
Self-only: $4,150 Family: $8,300 |
Self-only: +$100 Family: +$200 |
| HSA Catch-up Contributions (age 55 or older) |
$1,000 | $1,000 | $1,000 | No change |
| HDHP Minimum Deductibles | Self-only: $1,700 Family: $3,400 |
Self-only: $1,650 Family: $3,300 |
Self-only: $1,600 Family: $3,200 |
Self-only: +$50 Family: +$100 |
| HDHP maximum out-of-pocket amounts (deductibles, co-payments, and other amounts, except premiums) |
Self-only: $8,500 Family: $17,000 |
Self-only: $8,300 Family: $16,600 |
Self-only: $8,050 Family: $16,100 |
Self-only: +$200 Family: +$400 |
Considerations to keep in mind for CIGNA Choice Fund participants:
- Employees who elect to enroll in this plan may not be enrolled in a health care Flexible Spending Account (FSA). Participants may enroll in a limited FSA for vision and dental expenses.
- New enrollees who are currently in an FSA must incur and be reimbursed for all expenses by the end of the calendar year, or else they may not be eligible for the full College HSA funding amount.
- Employees enrolled in the Health Savings Account may not have other health coverage, including Medicare Part A and/or B, or be collecting Social Security benefits. Employees’ dependents may not have other health coverage but may be Medicare participants.
- Employees may utilize the HSA to pay for qualified medical, dental, pharmacy, and vision expenses.
Cost
Full-time
staff, faculty, administrators
12-month Employees
Employee: $74.71
Employee +1: $145.69
Family: $212.92
10-month Employees
Employee: $97.12
Employee +1: $189.40
Family: $276.80
Part-time
staff and administrators
hired before 1/1/93
12-month Employees
Employee: $74.71
Employee +1: $86.91
Family: $132.71
10-month Employees
Employee: $97.12
Employee +1: $112.99
Family: $172.52
Part-time
staff and administrators
hired after 1/1/93
12-month Employees
Employee: $74.71
Employee +1: $364.22
Family: $532.30
10-month Employees
Employee: $97.12
Employee +1: $473.49
Family: $691.99
This is a closed plan; only employees who are currently enrolled may continue participation in this plan.
Review the PPO Benefits (PDF, ) Summary.
Plan Highlights
- The CIGNA Telehealth Connections (PDF, ) program will provide 24/7/365 access for minor health conditions. You can access
care with MDLivenew window for a nominal cost.
Cost
Full-time Staff/Faculty/Administrators
12-month Employee
Employee: $88.23
Employee +1: $172.06
Family: $251.47
10-month Employee
Employee: $114.71
Employee +1: $223.68
Family: $326.91
Part-time
Staff and Administrators
hired before 1/1/93
12-month Employee
Employee: $88.23
Employee +1: $241.51
Family: $358.12
10-month Employee
Employee: $114.71
Employee +1: $313.96
Family: $465.55
Part-time
Staff and Administrators
hired after 1/1/93
12-month Employee
Employee: $88.23
Employee +1: $430.15
Family: $628.67
10-month Employee
Employee: $114.71
Employee +1: $559.19
Family: $817.27
Cigna Point of Service
Review the POS plan summary (PDF, ) for an overview of this option.
Plan Highlights
- The CIGNA Telehealth Connections (PDF, ) program will provide 24/7/365 access for minor health conditions. You can access
care with MDLivenew window for a nominal cost.
- Prescription drug benefits will accumulate toward the out-of-pocket maximum, as required under the ACA. If you or a family member takes a specialty drug, watch your mail for an important announcement from Prudent Rx.
Cost
Full-time Staff/Faculty/Administrators
12-month Employee
Employee: $82.98
Employee +1: $161.81
Family: $236.49
10-month Employee
Employee: $107.88
Employee +1: $210.36
Family: $307.44
Part-time
Staff and Administrators
hired before 1/1/93
12-month Employee
Employee: $82.98
Employee +1: $200.53
Family: $298.22
10-month Employee
Employee: $107.88
Employee +1: $260.88
Family: $387.68
Part-time
Staff and Administrators
hired after 1/1/93
12-month Employee
Employee: $82.98
Employee +1: $404.53
Family: $591.23
10-month Employee
Employee: $107.88
Employee +1: $525.89
Family: $768.60
Kaiser Permanente HMO
Review the plan summary for 2025 and visit the MC Kaiser websitenew window for more information.
Cost
Full-time Staff/Faculty/Administrators
12-month Employee
Employee: $82.64
Employee +1: $165.28
Family: $239.66
10-month Employee
Employee: $107.43
Employee +1: $214.87
Family: $311.55
Part-time
Staff and Administrators
hired before 1/1/93
12-month Employee
Employee: $82.64
Employee +1: $165.28
Family: $239.66
10-month Employee
Employee: $107.43
Employee +1: $214.87
Family: $311.55
Part-time
Staff and Administrators
hired after 1/1/93
12-month Employee
Employee: $82.64
Employee +1: $413.20
Family: $599.14
10-month Employee
Employee: $107.43
Employee +1: $537.17
Family: $778.89
Caremark Prescription Drug Plans
Cigna medical plans feature prescription coverage by Caremark. The cost of the prescription plans is already included in the medical premium (cost you pay per paycheck).
) )