The 2018 medical plan changes will also impact current and future retirees as the three medical plan options offered today are being eliminated.

Election Required

You can make your 2018 elections September 18 - October 31. If you are currently enrolled in a medical plan and do not make an election, you will be defaulted to Consumer Choice 2 at your current coverage tier. 

New Features for 2018

Consumer-Driven Health Plans (CDHPs) feature lower premiums in exchange for higher deductibles, which means you can save more money over time for current and future health needs. In the case of Farm Credit Foundations Medical Plan, the two new CDHPs will be paired with a Health Savings Account (HSA) that you can use to help cover out-of-pocket costs.

Medicare and CDHPs

Not on Medicare? If you’re not on Medicare, a key benefit of CDHPs is the option to select a tax-advantaged HSA that lets you set aside money for current or future eligible expenses up to annual IRS limits.

  • Please note: If you’re not on Medicare and are interested in opening an HSA for the first time, you will need to find your own institution in the open market. A qualified HSA trustee can be a bank, an insurance company or anyone already approved by the IRS to be a trustee.

On Medicare? IRS rules state you cannot contribute to an HSA once you're on Medicare. You can, however, continue using the funds you contributed to your HSA before your medicare participation began. Speak with your HSA administrator if you have questions about avoicing tax penalties.

In-Network Coverage

Consumer Choice 1

Consumer Choice 2

Deductible (individual/family)




You pay 20%,
plan pays 80%

No coinsurance, plan covers 100% after the deductible is met

Out-of-Pocket Maximum (individual/family)



Prescription Drugs

Subject to medical deductible

Subject to medical deductible

Preventive Care

You pay $0

You pay $0

What Are My Monthly Premiums?

The premiums below do not include employer subsidy, if one is available. Retiree rates with unique subsidies will be available in September.

Consumer Choice 1

Consumer Choice 2

Retiree Only



Retiree + Spouse



Retiree+ Child(ren)






​​Watch a video to learn 7 Ways to Save on Prescription Drugs

Estimate your drug costs for 2018 using the Prescription Cost Estimator Tool

Find more helpful tools in the Resource Library