If you choose COBRA continuation coverage, you will pay the full cost of your premium(s) plus a 2% administrative fee.
COBRA Rates for Plan Year 2021
(September 1, 2020 - August 31, 2021)
Health Premium Cost
Plan Name |
You Only |
You & Spouse |
You & Child(ren) |
You & Family |
HealthSelect of Texas® |
$634.22 |
$1,363.60 |
$1,122.55 |
$1,851.93 |
Consumer Directed HealthSelectSM |
$588.32 |
$1,235.34 |
$1,006.33 |
$1,699.26 |
Community First Health Plans |
$557.61 |
$1,198.87 |
$986.95 |
$1,628.21 |
Scott and White Health Plans |
$631.32 |
$1,357.35 |
$1,117.41 |
$1,843.44 |
If you are a tobacco-user, a tobacco-user premium is added to your health premium cost.
Dental Premium Cost
Plan Name |
You Only |
You & Spouse |
You & Child(ren) |
You & Family |
DeltaCare® USA DHMO |
$9.78 |
$19.56 |
$23.48 |
$33.24 |
State of Texas Dental ChoiceSM |
$27.75 |
$55.51 |
$66.61 |
$94.36 |
Vision Premium Cost
Membership Level |
You Only |
You & Spouse |
You & Child(ren) |
You & Family |
State of Texas VisionSM |
$5.22 |
$10.44 |
$11.23 |
$16.45 |
Tobacco-user Premium
Tobacco-users of Any Age and Adults Who Fail to Certify |
Member or Spouse or Children* Only |
Member + Spouse or Member + Children* or Spouse + Children* |
Family (Member + Spouse + Children*) |
Monthly Tobacco-user Premium |
$30 |
$60 |
$90 |
*The charge for a child is the same regardless of how many children in the household use tobacco or how many covered children 18 or over are not certified.
COBRA Rates for Plan Year 2020
(September 1, 2019 - August 31, 2020)
Rates include 2% administrative fee.
Health Premium Cost
Plan Name |
You Only |
You & Spouse |
You & Child(ren) |
You & Family |
HealthSelect of Texas® |
$635.05 |
$1,365.37 |
$1,124.04 |
$1,854.36 |
Consumer Directed HealthSelectSM |
$589.15 |
$1,237.06 |
$1,007.78 |
$1,701.58 |
Community First Health Plans |
$558.35 |
$1,200.46 |
$988.26 |
$1,630.37 |
Scott and White Health Plan |
$632.16 |
$1,359.13 |
$1,118.90 |
$1,845.87 |
If you are a tobacco user, tobacco-user premium is added to your health premium cost.
Dental Premium Cost
Plan Name |
You Only |
You & Spouse |
You & Child(ren) |
You & Family |
DeltaCare® USA DHMO |
$9.78 |
$19.56 |
$23.48 |
$33.24 |
State of Texas Dental ChoiceSM |
$27.75 |
$55.51 |
$66.61 |
$94.36 |
Delta Dental administers the State of Texas Dental Choice PlanSM (PPO)
Vision Premium Cost
Membership Level |
You Only |
You & Spouse |
You & Child(ren) |
You & Family |
State of Texas VisionSM |
$5.22 |
$10.44 |
$11.23 |
$16.45 |
Tobacco-user Premium
Tobacco-users of Any Age and Adults Who Fail to Certify |
Member or Spouse or Children* Only |
Member + Spouse or Member + Children* or Spouse + Children* |
Family (Member + Spouse + Children*) |
Monthly Tobacco-user Premium |
$30 |
$60 |
$90 |
*The charge for a child is the same regardless of how many children in the household use tobacco or how many covered children 18 or over are not certified.
When determining your monthly premium for continuation coverage under COBRA, note the following:
- If only one dependent child is continuing coverage, then the child is the COBRA applicant. Pay the “You Only” rate.
- If multiple children are continuing coverage, the youngest child is the COBRA applicant. Pay the “You & Child(ren)” rate.
- If only the dependent spouse is continuing coverage, the spouse is the COBRA applicant. Pay the “You (COBRA Applicant) Only” rate.
- If the spouse and child(ren) are continuing coverage, the spouse is the COBRA applicant. Pay the “You & Child(ren)” rate.
- If only surviving spouse or ex-spouse is continuing coverage, the spouse is the COBRA applicant. Pay the “You Only” rate.
- If surviving spouse and children or ex-spouse and children are continuing coverage, the spouse is the COBRA applicant. Pay the “You & Children” rate.
Extending COBRA Coverage
Secondary Qualifying Events
The initial 18-month period of COBRA coverage may be extended up to 36 months for your dependents in the event of death, divorce or the loss of status as a dependent child during their initial COBRA eligibility period. For these situations, COBRA coverage cannot be continued beyond 36 months.
Adding New Coverage for a Dependent
You can add eligible dependents gained through a qualifying life event (QLE), such as a birth or adoption, during your annual benefits enrollment period or within 31 days of the QLE.
Disability Extension
If you or any of your dependents are certified as disabled (Title II or XVI), you may continue COBRA coverage for up to an additional 11 months. If you think you or your dependents qualify for this extension, send ERS a copy of your Social Security Administration Notice of Award letter including the date that the disability began (the disability date needs to include the month, date and year to be reviewed).
COBRA Coverage for Unmarried Children
If you have an unmarried dependent child, they may be eligible to extend their COBRA continuation coverage beyond the initial COBRA eligibility period. For more information, contact ERS toll-free at (877) 275-4377, TTY: 711.