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INSURANCE COST CALCULATOR FOR:
Teacher10/1/2026
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Insurance coverage is for 12 months per year.
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MEDICAL
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 Plan #1 - Open Access $15 Copay Plan #2 - Open Access $20 Copay
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SingleFamilySingleFamily
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Monthly Premium
$1,872.00$4,681.00
Monthly Premium
$1,536.00$3,838.00
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ISD Paid Benefit
$890.00$1,964.00
ISD Paid Benefit
$890.00$1,964.00
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Equals Your Monthly Cost
$982.00$2,717.00
Equals Your Monthly Cost
$646.00$1,874.00
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Your Deduction per Check
$491.00$1,358.50
Your Deduction per Check
$323.00$937.00
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Your Annual Cost
$11,784.00$32,604.00
Your Annual Cost
$7,752.00$22,488.00
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Plan #3 - Empower HSA $1,700/$3,400 Deductible Plan #4 - Empower HSA $4,000/$8,000 Deductible
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SingleFamilySingleFamily
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Monthly Premium
$1,370.00$3,425.00
Monthly Premium
$835.00$2,085.00
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ISD Paid Benefit
$890.00$1,964.00
ISD Paid Benefit
$835.00$1,964.00
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Equals Your Monthly Cost
$480.00$1,461.00
Equals Your Monthly Cost
$0.00$121.00
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Your Deduction per Check
$240.00$730.50
Your Deduction per Check
$0.00$60.50
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Your Annual Cost
$5,760.00$17,532.00
Your Annual Cost
$0.00$1,452.00
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District HSA contribution per Month
$55.00$0.00
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Actual ISD contribution per Check
$27.50$0.00
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Annual District Contribution to HSA
$660.00$0.00
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*Explanation of HSA amount: Your medical benefit amount is first applied to the insurance premium. The remaining amount, (limited to 125% of the deductible), shall be paid into your HSA.
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 DENTAL
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(Fulltime benefit = 100% of single coverage, 85% of family coverage)
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SingleFamily
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Monthly Premium
$42.60$127.80
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Maximum ISD Paid Benefit
$42.60$108.63
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Equals Your Monthly Cost
$0.00$19.17
(Deduction one time per month, on 25th)
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