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Open Enrollment for 2024 Health Plan Changes

September 18th – October 13th (for changes effective January 1, 2024)


Any changes submitted during Open Enrollment will take effect January 1, 2024, however because the City prepays for premiums, deductions for the January premium will be reflected on your December paychecks.

 This is your one-time opportunity to make benefit elections/changes for the upcoming plan year without a qualifying life event.  We encourage you to walk through this enrollment process to review your benefits carefully and make changes as needed.

All Open Enrollment change requests for health coverage must be submitted to HR no later than 5:00 pm on Friday, October 13, 2023.  

To view the 2024 premiums and the City’s contribution towards your coverage see the  Cafeteria Plan Form for your respective employee/bargaining group.


Open Enrollment Forms

If you are NOT MAKING ANY CHANGES to your current health enrollment (same plan, same dependents) NO ACTION is required!

If you are continuing to WAIVE coverage for 2024 you must sign the Annual Opt-Out Waiver attestation form.  You must turn in a new waiver each year to receive the cash-in-lieu (“cash back”)

If you are MAKING CHANGES for 2024, Use the links below to fill out and submit your forms

enrollment information



CalPERS has developed a member-focused Step by Step Guide for open enrollment, to walk active members through the process of searching for a doctor and completing the HBD-12 form. The Open Enrollment for Active Members webpage provides additional guides and resources to assist you during Open Enrollment.

If you are currently enrolled in health coverage, please log in to your my|CalPERS participant account to view:

  • Specific health benefit changes that may impact you in the coming year
  • Your current 2023 monthly premium rate and 2024 monthly premium rate if you do not change your health plan.
  • Compare plans (and premiums) available to you for 2024 based on your health eligibility ZIP code (home or work)
  • Plans in which your doctor participates
  • Your enrolled dependents


Thinking of changing your health plan (or enrolling) for 2024?  Not all CalPERS plans are available in all areas/zip codes.  Be sure to use the Search Health Plans tool to research the health plan coverage and benefits most important to you and your family.

CalPERS Health Plan Information:


United Concordia

Dental – United Concordia (UCCI)

This benefit is fully paid by the City of San Rafael (pro-rated for part-time employees) and includes any eligible dependents.  Employees can log-in to the United Concordia website to view their covered dependents and search providers.  If you don’t have your member #, which is needed to log-in, please call UCCI at 1-800-332-0366.  You can print an ID card once you’re logged on to the website.

The Summary of Benefits below provides information about your deductibles and services covered.

Complete the UCCI Enrollment Form to add eligible dependents (up to age 19, or age 23 if a full-time student) or sign up if you are not already enrolled:

Vision Provider Locator

Vision – EyeMed

Members in certain bargaining groups are eligible for vision coverage through EyeMed.  This benefit is fully paid by the City for “Employee Only” coverage (pro-rated for part-time employees).  Employees may enroll all eligible dependents for an out-of-pocket cost of $7.39per month.  The City covers the cost to enroll all eligible dependents for Executive and Mid-Management employees.  Employees can log-in to the EyeMed website to view their coverage details, covered dependents, search providers, and print an ID card.

The Summary of Benefits below provides information about your coverage and copays.

Complete the EyeMed Enrollment Form to sign up or add eligible dependents (up to age 19, or age 25 if a full-time student).

Helping people act on their love | New York Life Insurance

NY Life Insurance – Make sure your Beneficiaries are up to date

All employees are automatically enrolled in the city-paid Basic Life insurance benefit, as designated in the appropriate MOU, upon hire.  Employees should maintain an updated Basic Life Beneficiary Designation form on file.

There is no formal open enrollment period to purchase Voluntary Life insurance for yourself and/or your eligible dependents, however enrollments requested more than 30-days from your initial hire date will require medical review. Please note that in order to purchase life insurance for your spouse and/or child(ren) you must purchase voluntary life insurance for yourself.  This optional benefit is fully paid for by the employee.



A Flexible Spending Account (FSA) is a special account you put pre-tax money into that you use to pay for certain out-of-pocket health care costs. This means you’ll save an amount equal to the taxes you would have paid on the money you set aside. You can participate in a Health Care FSA to pay for eligible health and dental expenses for you, your spouse or dependents. A Dependent Care FSA is used to pay for eligible dependent care expenses, such as preschool, summer day camp, before or after school programs, and child (under age 13) or adult daycare.

Contribution limits for 2024 should be announced by the IRS in late October. HR will send a separate announcement and enrollment deadline for these plans.

The 2023 pre-tax limits are:


Employee Commute Program

All regular full-time and part-time employees are eligible to participate in the program, which includes incentives for carpooling or walking/biking to work.  Visit the Commuter Program page to sign up.

Employees interested in setting aside pre-tax funds for public transit expenses are encouraged to purchase clipper card value online with My Commuter Check.  Orders must be placed by the 10th of each month for passes/value to be added for the following month (e.g. ECO pass/clipper value for January must be purchased by December 10th).

Take the time to understand your benefit choices so you can make sound decisions in choosing the right options for you and your family.  If you still have questions after visiting the links above, please contact the Human Resources Department via email at 

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