RENSCO WEB PORTAL FOR BENEFITS

RENSSELAER COUNTY HEALTH INSURANCE COSTS: JANUARY 1, 2026

NON-MEDICARE ELIGIBLE RETIREES

Rensselaer County 2026 Plan Options and Monthly Premiums

Coverage	NYSHIP Empire Plan	CDPHP HMO	MVP HMO	Empire BCBS EPO
Single	$1,611.46	$1,344.71	$1,162.82	$3,220.01
Two Person	$3,663.79	$2,823.89	$2,674.49	$6,280.62
Family	$3,663.79	$3,496.25	$2,848.91	$9,338.68

Plan Benefit Highlights

Coverage	NYSHIP Empire Plan	CDPHP HMO	MVP HMO	Empire BCBS EPO
In Network
Doctor Co-Pay	$25	$25	$25	$25
Specialist Co-Pay	$25	$25	$40	$25
Drug Co-Pay	$5G/$30B/$60NF	$10G/$25B/$40NF	$10G/$30B/$50NF	$10G/$25B/$50NF
Inpatient Co-Pay	$0	$0	$500	$100
Out of Network
Deductible	$1,250	NA	NA	NA
Coinsurance	20%	NA	NA	NA
Inpatient Co-Pay	10%	$0	$500	$0

Retiree Monthly Share of Premium

Coverage	NYSHIP Empire Plan	CDPHP HMO	MVP HMO	Empire BCBS EPO
Single	$805.73	$672.36	$581.41	$1,610.01
Two Person	$2,139.74	$1,633.82	$1,564.00	$3,599.40
Family	$2,139.74	$2,070.86	$1,677.37	$5,587.14

For more information on one of the health plans listed above - Click here.