Creating a Buy-Up Plan where the Employee Contribution is calculated by combining the Chapter 78 contribution for the "base" plan and the Employee paying 100% of the premium Difference to the Buy-Up Plan. (D10 buyup from D15 for 2026)

This article will detail setting up a health plan if a District wants to create a health plan that will be used by staff members when the employees contribute a percentage of premium that utilized Tier 4 of Chapter 78 and the employee has to "buy up" from the base plan (D15) to the enhanced plan (D10).

The 2026 State Plan monthly premium rates are as follows:

This is the setup for the "Buy-Up" plan:

The District created the following Note to explain how their calculations are derived.  We strongly recommend District clearly document their calculations to ensure the procedures are followed in succeeding plan years.  

This is the setup for the Contribution Group:

And the premium difference (or the buy-up) in yellow above are calculated as follows: