Reference

Rate Watch

Second Wind tracks the official rate books AND the association member letters — here's everything that changed.

  1. July 2026

    Plan deductibles & out-of-pocket maximums added

    We added in-network deductibles and out-of-pocket maximums for every CalPERS health plan, transcribed from the official 2026 Health Benefit Summary, plus a worst-case-year estimate and an out-of-state hospital-stay scenario. This lets the tool compare true cost exposure, not just the monthly premium — an association plan can have the lowest premium and still leave you the most exposed.

    CalPERS 2026 Health Benefit Summary

  2. June 1, 2026

    CAHP moved Arizona/Nevada/Oregon retirees in-network

    Effective June 1, 2026, the CAHP Health Benefits Trust moved retirees living in Arizona, Nevada, and Oregon from the Out-of-State Group (1855RR) to the Basic Retiree Group (1855RD), making Anthem's Prudent Buyer network in-network in those three states — the same 90/10 coverage as in California. This shipped via a CAHP member letter, not the CalPERS rate book: the premiums never changed, only the coverage geography. Everywhere beyond CA/AZ/NV/OR, non-emergency inpatient care is still capped at $522/day.

    CAHP Health Benefits

  3. January 2026

    2026 premiums, contribution amounts & PEPRA limits loaded

    The annual refresh: 2026 health premiums (in- and out-of-state), the 100/90 and 80/80 employer-contribution amounts, and the PEPRA pensionable-compensation limits were loaded from the official CalPERS publications. These drive every premium, gap-cost, and pension-cap figure in the app for the 2026 plan year.

    CalPERS Retiree Plans & Rates

  4. June 27, 2025

    California military-retirement exclusion enacted

    California enacted a partial exemption for military retirement pay (AB 53 / SB 132), signed June 27, 2025: up to $20,000 excluded from state tax for tax years 2025–2029, subject to income limits. Before this, California fully taxed military retirement. The Tax Analyzer reflects the exemption in its state-by-state military-pension treatment.

    California FTB — Military

Source links point to official CalPERS, CalHR, association, and state sites. Second Wind isn’t affiliated with any of them. Some association changes ship via member letters that aren’t posted publicly — those link to the association’s benefits page.

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