Employee Medical Plans

We offer our employees four subsidized medical plans with two separate providers from which to choose. Learn more about the medical options for employees and dependents in the 2026 Benefits Guide and watch the 2026 Benefit Basics video.

Our employees may choose from two separate providers: Kaiser Permanente or United Healthcare.

What's the difference between a high-deductible health plan and a deductible HMO plan?
A high-deductible health plan (HDHP) has no copays, you pay the full cost of services until you meet your annual deductible. The deductible HMO has some copays (prescriptions, office visits) and a lower deductible to meet. HMO has no annual deductible and you pay a set copay for all in-network services.

What services are covered under each of the plans?
The following summaries give a brief description of services:

• Kaiser Permanente Deductible HMO Plan (DHMO) 2025(PDF, 643KB) | 2026
• Kaiser Permanente High-Deductible Health Plan (HDHP) 2025(PDF, 638KB) | 2026
• Kaiser Permanente Transparency in Coverage
• United Healthcare Colorado Doctors Plan (CDP) 2025(PDF, 439KB) | 2026
• United Healthcare High-Deductible Health Plan (HDHP) 2025(PDF, 437KB) | 2026
• United Healthcare Denver Health Preferred Provider Option (PPO) 2025(PDF, 544KB) | 2026
• United Healthcare Transparency in Coverage

Are your employees done paying for in-network services once they’ve met their annual out-of-pocket maximum, including prescription costs? 
Yes, their insurance provider will pay 100% of any services/prescription for the rest of the calendar year once their out-of-pocket is met.

Get the right care when you need it.
Our health plans allow members access to convenient alternatives to in-person doctor visits. Kaiser Permanente offers members several care option alternatives to traditional medical appointments. UnitedHealthcare members can use Virtual Visit with a doctor or behavioral health professional.