Prefer a printable copy? The two-page PDF has every plan and tier side by side, plus the annual cost impact — useful for site reps and bulletin boards.
Download the 2027 Rate Sheet (PDF)2027 Monthly Medical Rates — Full Cost Breakdown
MTA Members · Modesto City Schools Certificated Employees · Effective for the 2027 Plan Year
Below are the 2027 medical rates for certificated employees, showing the full premium, what comes out of your paycheck, and how that compares to what you paid in 2026. Rates are monthly.
What Changed From 2026
- NEWSutter Health is a new HMO option for 2027. At $1,130.67 for single coverage it is the lowest-premium plan offered. Because it was not available in 2026, there is no prior rate to compare.
- GONEUnited HealthCare is no longer offered. It carried a $1,290.06 single premium in 2026. If you are currently enrolled in United HealthCare, you must select a different plan for 2027. If you chose it for Sutter & Memorial network access, the remaining in-network options are Sutter Health, Anthem Traditional, and PERS Platinum.
- Premiums rose between 1.6% and 13.6% across the seven plans offered in both years. Kaiser is lowest at +1.6%; Blue Shield Access+ is highest at +13.6%.
- Your increase is larger than the plan’s increase. The District Contribution is a flat dollar amount, not a percentage. For full-time certificated employees it did not change at all, so the entire premium increase lands on the employee.
Full-Time Certificated (60%–100% FTE)
District Contribution: $1,050.00 per month, the same in every tier. Unchanged from 2026, so every dollar of premium increase is paid by the employee.
Single — Just you (employee only)
| Plan | Full premium | You pay per month | Change vs 2026 (your cost) | District share |
|---|---|---|---|---|
| HMO PLANS | ||||
| Sutter Health NEW | $1,130.67 | $80.67 | New plan — no 2026 rate | 93% |
| Kaiser | $1,187.63 | $137.63 | +18.77 +15.8% · premium +1.6% | 88% |
| Blue Shield Trio | $1,202.57 | $152.57 | +35.99 +30.9% · premium +3.1% | 87% |
| Blue Shield Access+ | $1,479.12 | $429.12 | +177.17 +70.3% · premium +13.6% | 71% |
| Anthem Select | $1,486.44 | $436.44 | +150.15 +52.4% · premium +11.2% | 71% |
| Anthem Traditional | $1,732.52 | $682.52 | +120.44 +21.4% · premium +7.5% | 61% |
| PPO PLANS | ||||
| PERS Gold | $1,215.17 | $165.17 | +94.59 +134.0% · premium +8.4% | 86% |
| PERS Platinum | $1,778.62 | $728.62 | +108.48 +17.5% · premium +6.5% | 59% |
2-Party — You + 1 dependent
| Plan | Full premium | You pay per month | Change vs 2026 (your cost) | District share |
|---|---|---|---|---|
| HMO PLANS | ||||
| Sutter Health NEW | $2,261.34 | $1,211.34 | New plan — no 2026 rate | 46% |
| Kaiser | $2,375.26 | $1,325.26 | +37.54 +2.9% · premium +1.6% | 44% |
| Blue Shield Trio | $2,405.14 | $1,355.14 | +71.98 +5.6% · premium +3.1% | 44% |
| Blue Shield Access+ | $2,958.24 | $1,908.24 | +354.34 +22.8% · premium +13.6% | 35% |
| Anthem Select | $2,972.88 | $1,922.88 | +300.30 +18.5% · premium +11.2% | 35% |
| Anthem Traditional | $3,465.04 | $2,415.04 | +240.88 +11.1% · premium +7.5% | 30% |
| PPO PLANS | ||||
| PERS Gold | $2,430.34 | $1,380.34 | +189.18 +15.9% · premium +8.4% | 43% |
| PERS Platinum | $3,557.24 | $2,507.24 | +216.96 +9.5% · premium +6.5% | 30% |
Family — You + 2 or more dependents
| Plan | Full premium | You pay per month | Change vs 2026 (your cost) | District share |
|---|---|---|---|---|
| HMO PLANS | ||||
| Sutter Health NEW | $2,939.74 | $1,889.74 | New plan — no 2026 rate | 36% |
| Kaiser | $3,087.84 | $2,037.84 | +48.80 +2.5% · premium +1.6% | 34% |
| Blue Shield Trio | $3,126.68 | $2,076.68 | +93.57 +4.7% · premium +3.1% | 34% |
| Blue Shield Access+ | $3,845.71 | $2,795.71 | +460.64 +19.7% · premium +13.6% | 27% |
| Anthem Select | $3,864.74 | $2,814.74 | +390.39 +16.1% · premium +11.2% | 27% |
| Anthem Traditional | $4,504.55 | $3,454.55 | +313.14 +10.0% · premium +7.5% | 23% |
| PPO PLANS | ||||
| PERS Gold | $3,159.44 | $2,109.44 | +245.93 +13.2% · premium +8.4% | 33% |
| PERS Platinum | $4,624.41 | $3,574.41 | +282.05 +8.6% · premium +6.5% | 23% |
Part-Time Certificated (50%–59.99% FTE)
District Contribution: $167.00 per month, the same in every tier. Up $5.00 from $162.00 in 2026, which offsets $5.00 of the premium increase and no more.
Single — Just you (employee only)
| Plan | Full premium | You pay per month | Change vs 2026 (your cost) | District share |
|---|---|---|---|---|
| HMO PLANS | ||||
| Sutter Health NEW | $1,130.67 | $963.67 | New plan — no 2026 rate | 15% |
| Kaiser | $1,187.63 | $1,020.63 | +13.77 +1.4% · premium +1.6% | 14% |
| Blue Shield Trio | $1,202.57 | $1,035.57 | +30.99 +3.1% · premium +3.1% | 14% |
| Blue Shield Access+ | $1,479.12 | $1,312.12 | +172.17 +15.1% · premium +13.6% | 11% |
| Anthem Select | $1,486.44 | $1,319.44 | +145.15 +12.4% · premium +11.2% | 11% |
| Anthem Traditional | $1,732.52 | $1,565.52 | +115.44 +8.0% · premium +7.5% | 10% |
| PPO PLANS | ||||
| PERS Gold | $1,215.17 | $1,048.17 | +89.59 +9.3% · premium +8.4% | 14% |
| PERS Platinum | $1,778.62 | $1,611.62 | +103.48 +6.9% · premium +6.5% | 9% |
2-Party — You + 1 dependent
| Plan | Full premium | You pay per month | Change vs 2026 (your cost) | District share |
|---|---|---|---|---|
| HMO PLANS | ||||
| Sutter Health NEW | $2,261.34 | $2,094.34 | New plan — no 2026 rate | 7% |
| Kaiser | $2,375.26 | $2,208.26 | +32.54 +1.5% · premium +1.6% | 7% |
| Blue Shield Trio | $2,405.14 | $2,238.14 | +66.98 +3.1% · premium +3.1% | 7% |
| Blue Shield Access+ | $2,958.24 | $2,791.24 | +349.34 +14.3% · premium +13.6% | 6% |
| Anthem Select | $2,972.88 | $2,805.88 | +295.30 +11.8% · premium +11.2% | 6% |
| Anthem Traditional | $3,465.04 | $3,298.04 | +235.88 +7.7% · premium +7.5% | 5% |
| PPO PLANS | ||||
| PERS Gold | $2,430.34 | $2,263.34 | +184.18 +8.9% · premium +8.4% | 7% |
| PERS Platinum | $3,557.24 | $3,390.24 | +211.96 +6.7% · premium +6.5% | 5% |
Family — You + 2 or more dependents
| Plan | Full premium | You pay per month | Change vs 2026 (your cost) | District share |
|---|---|---|---|---|
| HMO PLANS | ||||
| Sutter Health NEW | $2,939.74 | $2,772.74 | New plan — no 2026 rate | 6% |
| Kaiser | $3,087.84 | $2,920.84 | +43.80 +1.5% · premium +1.6% | 5% |
| Blue Shield Trio | $3,126.68 | $2,959.68 | +88.57 +3.1% · premium +3.1% | 5% |
| Blue Shield Access+ | $3,845.71 | $3,678.71 | +455.64 +14.1% · premium +13.6% | 4% |
| Anthem Select | $3,864.74 | $3,697.74 | +385.39 +11.6% · premium +11.2% | 4% |
| Anthem Traditional | $4,504.55 | $4,337.55 | +308.14 +7.6% · premium +7.5% | 4% |
| PPO PLANS | ||||
| PERS Gold | $3,159.44 | $2,992.44 | +240.93 +8.8% · premium +8.4% | 5% |
| PERS Platinum | $4,624.41 | $4,457.41 | +277.05 +6.6% · premium +6.5% | 4% |
How To Read These Tables
Full premium — the total monthly cost of the plan, before any District Contribution.
You pay — the amount deducted from your paycheck each month. This is the full premium minus the District Contribution.
Change vs 2026 — the large figure is the dollar change in your monthly cost compared to the same plan and tier in 2026. Below it, the first percentage is the change in your cost; “premium” is the change in the plan’s full cost.
District share — the District Contribution expressed as a percentage of the full premium. Because the contribution is a flat dollar amount that does not increase by tier, this percentage falls sharply as you add dependents.
A caution on the percentages. For full-time single coverage, the 2026 employee cost was very low on the cheapest plans, so even a modest premium increase produces a very large percentage. PERS Gold single coverage goes from $70.58 to $165.17 — that is +134%, but only $94.59 per month. Where the base was small, read the dollar figure rather than the percentage.
Sources & Notes
Sources. 2027 full premiums are the CalPERS 2027 Region 1 Premiums Per Subscriber Per Month (July 2026 Board of Administration Offsite, Attachment 1); Stanislaus County is in Region 1. The “you pay” amounts equal the full premium minus the District Contribution and match the District’s published 2027 rate sheet for every plan and tier. 2026 figures are taken from the District’s 2026 Monthly Medical Rates sheet, published July 25, 2025.
Calculations. The percentage and dollar change figures are calculated by MTA and do not appear in either District rate sheet. Premium change equals (2027 full premium − 2026 full premium) ÷ 2026 full premium. Your change equals your 2027 monthly cost minus your 2026 monthly cost for the same plan and tier, using each year’s District Contribution.
Two Region 1 plans are not offered by the District: Western Health Advantage HMO ($1,030.80 single — lower than every plan listed here) and Blue Shield EPO. CalPERS plan availability is set by county and ZIP code rather than by region, so availability in Stanislaus County is not yet confirmed. MTA is following up.
Eligibility. Certificated employees at 50% FTE or greater are eligible. Excess District Contribution, where the contribution exceeds the premium, may be applied toward dental and vision.
Network information is subject to change. Sutter & Memorial Hospital are in-network under Sutter Health, Anthem Traditional, and PERS Platinum. Confirm availability directly with the health plan before making any plan changes.
Questions about enrollment or your specific deduction?
Contact MCS Benefits at DOBENEFITS@monet.k12.ca.us or (209) 574-1520. For questions about how these rates were bargained, contact the MTA office.