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CalPERS is your Health Benefits Officer and administers health insurance coverage for CSU employees. If you choose to change your health plan for 2026, you will need to make with change with your campus.

The state employer contribution amounts for 2025 are:

Monthly Cost of Coverage

The Health Care Reimbursement Account (HCRA) [PDF] and Dependent Care Reimbursement Account (DCRA) [PDF] permit you to set aside a portion of your pay on a pre-tax basis to reimburse yourself for eligible expenses. If you are currently enrolled in the HCRA and/or DCRA, and wish to continue participation in the plan(s), you are required to re-enroll [PDF]听annually during open enrollment.

• The 2026 annual maximum contribution for the Health Care Reimbursement Account (HCRA) is:
  • $3,300 a year.
  • The minimum monthly contribution for HCRA is $20 per month ($240 annually), up to a maximum contribution amount of $275 per month ($3,300 annually).
  • Offers participants the ability to pay for eligible out-of-pocket medical expenses with pre-tax dollars.
  • The monthly maximum contribution amount is $266.66.
    
    
• The 2026 annual maximum contribution for Dependent Care Reimbursement Account (DCRA) is:
  • $7,500 a year ($3,750 if married, filing a separate tax return).
  • The DCRA plan offers participants the ability to pay for eligible out-of-pocket dependent care expenses with pre-tax dollars.
  • The minimum monthly contribution for DCRA is $20 per month ($240 annually), up to a maximum contribution amount of $625 per month ($7,500 annually).

Debit Card

• The ASIFlex Visa Card is issued by ASIFlex
• The ASIFlex Card (a limited use pre-paid debit card) provides an easy way to pay for out-of-pocket health care expenses for you, your spouse, and any tax dependents. The advantage of the card is that you do not have to pay with cash or a personal credit card. The ASIFlex Card will allow you to pay directly from your health care account and can be used at health care providers that accept VISA and certain retail merchants that inventory eligible health care products.
• FSA claim payments are issued daily. Claims can be filed online at the , through the ASIFlex Mobile Application, by fax or mail.

ASI Flex Mobile App
You can check your balance from the palm of your hand with the ASIFlex Mobile App! Submit claims from anywhere, anytime. The app is available to download in the Apple Store and Google Play.

FSA Store
Employees can purchase eligible products and services through the Flexible Spending Account (FSA) site, called . The has the largest inventory of FSA-eligible products and services on the web. It鈥檚 a website you can trust to provide competitive pricing and quick turnaround for Flexible Spending Account information and shopping. Cardless pay is now available through the FSAstore by simply choosing the ASIFlex Payment option during the checkout process. Most FSA debit cards, as well as all major credit cards are accepted. Please note: Although it accepts FSA debit cards, ASIFlex might require a receipt for your purchase to substantiate the claim.

Important Links

- Beginning in 2026, this benefit will be updated to provide $200 for a single eligible screening per year. While the number of reimbursable screenings will be limited to one annually, the total dollar benefit will be doubled, allowing employees to receive the maximum reimbursement with just one screening. Employees and their spouse/registered domestic partner must be between the ages of 18-64 and enrolled in a health insurance plan to participate in this plan. Employees can learn more about this benefit or enroll by going to or by calling (800) 378-5745. Premium rates for 2026 [PDF].

- This insurance provides financial support to employees recovering from a qualified accident. This insurance, provided by The Standard, can help with out-of-pocket expenses such as deductibles, copays, transportation to medical centers, and more.听听Employees can learn more about this benefit or enroll by going to or by calling (800) 378-5745. Premium rates for 2026 [PDF].

- You have the opportunity to purchase group life insurance for you and your eligible dependents. Employees have the opportunity to enroll or increase supplemental life insurance at any time. However, evidence of insurability may be required. Employees may enroll or cancel at any time. To learn more about this benefit and/or to enroll, go to the website or call (800) 378-5745.

- You have the opportunity to purchase a level of group disability insurance with either a 30-day or 90-day waiting period. Employees automatically enrolled in the CSU employer-paid LTD plan are not eligible to participate in this voluntary plan. Employees may enroll or cancel at any time. To learn more about this benefit and/or to enroll, go to the website or call (800) 378-5745.

听- You are eligible to purchase group Accidental Death and Dismemberment (AD&D) insurance that covers you and your dependents in the event of death or dismemberment as a result of a covered accident. You may elect up to $1 million in coverage. Coverage for spouse/registered domestic partner and dependent child(ren) coverage are also available. Employees may enroll or cancel at any time. To learn more about this benefit and/or to enroll, go to the website or call (800) 378-5745.

You can鈥檛 predict the future, but you can plan for it. For $17.70 a month via payroll deduction, ARAG can provide you and your eligible dependents legal coverage. An ARAG庐 legal insurance [PDF] plan isn鈥檛 just for the serious issues. It鈥檚 for events you plan for, like getting married or creating a will. Or the unexpected situations, like a traffic ticket or landlord dispute. Network attorney fees are 100% paid in full for most covered matters. Benefit from a wide range of coverage and services to protect you and your loved ones. Employees can only enroll during open enrollment. To learn more about this plan and enroll, visit 鈥� or call (800) 247-4184. If prompted, please provide policy ID number听19061csu.

Employees that are automatically enrolled in ARAG will receive a welcome email from ARAG with their Member ID and steps to get started. Employees can create their online account, review coverage details, and even start a case online effective with the new plan year. Employees can choose to discontinue enrollment during open enrollment if they do not wish to be automatically enrolled in the new ARAG Legal Insurance Plan by contacting ARAG鈥檚 Customer Care at 800-247-4184 or email service@ARAGlegal.com before 5pm PT on October 10, 2025, and provide policy ID number 19061csu.

Important Links

• ARAG - How To Enroll in Legal for Future Retirees [PDF]
• ARAG - Get To Know Us [PDF]

The CSU provides you the opportunity to participate in the 403(b) Supplemental Retirement Plan (SRP). The SRP is a voluntary program that can help you save money on taxes, invest in your future and supplement your income in retirement. By contributing into the CSU 403(b) SRP, you can improve your chances of reaching your retirement goals. Employees may enroll or cancel at any time.

Whether retirement is a long way off or right around the corner, by participating in the CSU 403(b) SRP, you could make a big difference in preparing for your future. Start with what you can and build from there. The important thing is that you start!

There are two ways you can contribute:

Pre-Tax Option - Save for retirement by investing monthly pre-tax contributions in tax-deferred investments. Pre-tax contributions mean more savings go toward your retirement goals than after-tax savings.

Roth Contribution (After-Tax) Option- Unlike a traditional pre-鈥嬧�嬧�媡ax 403(b), a Roth 403(b) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you

Advantages of Saving in the CSU 403(b) SRP:

• Easy and convenient鈥擟ontributions are automatically deducted from your pay.
• Tax-advantaged鈥擝oth pretax and Roth options available.
• Variety of investment options鈥擨t鈥檚 easy to find an investment strategy that helps you meet your goals.
• Guidance and education鈥擣ree consultations with Fidelity retirement planners are available at all 23 campuses.
• Time is an asset鈥擳he sooner you start saving toward retirement, the more you benefit from compounding interest.
• Consolidate your retirement assets鈥擸our campus Fidelity retirement planner can assist you in rolling over your balances from previous employers or your other CSU 403(b)s.

How to Enroll:听Below are ways in which to enroll:

• Visit听 or
• Call Fidelity at 877-CSU-3699 (877-278-3699) and mention CSU plan number 50537
• Complete a paper form, available at your campus benefits office
• CSU employees are entitled to complimentary one-on-one consultations with a Fidelity Retirement Planner on campus. Schedule your appointment by calling (800) 642-7131 (Plan number: 50537).

Regular review of your contributions and investment elections keep you on track towards reaching your retirement goals

Employees can enroll at any time. For more insurance information, safety resources or to get a quote, see their flyer, visit their , or call (866) 680-5142.

CSU employees can enroll in several reimbursement benefit options offered by . Employees can purchase My Pet Protections for dogs, cats, birds, reptiles, and other exotic animals. Nationwide reimburses either 50% or 70% of eligible veterinary bills up to $7,500 a year, depending on the plan chosen at enrollment. There is no network so employees can select a veterinarian of their choice. Employees can purchase My Pet Protections for dogs, cats, birds, reptiles, and other exotic animals. Nationwide reimburses either 50% or 70% of eligible veterinary bills up to $7,500 a year, depending on the plan chosen at enrollment. There is no network so employees can select a veterinarian of their choice. Employees can learn more about this benefit or enroll by going to or calling (877) 738-7874.

• Nationwide Pet Insurance