Medical Benefits Summary of Costs

2026 Monthly Plan Costs by Plan, Coverage and Salary

Cigna Open Access Plus HDHP with Accident

Coverage	Less than $65,000	$65,000 – $89,999.99	$90,000 – $174,999.99	$175,000 or more
Employee Only	$31	$54	$63	$81
Employee + Spouse	$94	$164	$193	$248
Employee + Child(ren)	$76	$135	$159	$205
Employee + Family	$157	$274	$324	$419

Note: Salary includes commissions but not overtime or bonus. Arch will use the non-prorated salary for all part-time employees.

Cigna Open Access Plus

Coverage	Less than $65,000	$65,000 – $89,999.99	$90,000 – $174,999.99	$175,000 or more
Employee Only	$129	$223	$266	$343
Employee + Spouse	$240	$420	$498	$644
Employee + Child(ren)	$223	$392	$465	$602
Employee + Family	$362	$636	$754	$975

Note: Salary includes commissions but not overtime or bonus. Arch will use the non-prorated salary for all part-time employees.

Plan Comparison at a Glance

Plan Feature	CIGNA OPEN ACCESS PLUS HDHP w/ ACCIDENT	CIGNA OPEN ACCESS PLUS	Kaiser HMO for california residents	Kaiser HMO FOR Hawaii Residents
Cost per paycheck	Lower	Higher	Higher	Lower
Includes an HSA	Yes	No	No	No
Arch contributes to cover expenses	Yes, through the HSA	No	No	No
Includes Accident Plan at no cost	Yes	No	No	No
Deductible	High deductible; all medical and prescription drug expenses count toward the deductible.	No deductible for in-network care	Low deductible	No deductible

Cigna Medical Plan Overview

Detail by Plan	CIGNA OPEN ACCESS PLUS HDHP w/ ACCIDENT In-Network	CIGNA OPEN ACCESS PLUS HDHP with Accident Out-of-Network	CIGNA OPEN ACCESS PLUS In-Network	CIGNA OPEN ACCESS PLUS Out-of-Network
Arch HSA Contribution (Pro-rated based on effective date)	$650 Employee Only/$1,300 Employee + One or Family	$650 Employee Only/$1,300 Employee + One or Family	None	None
Maximum Annual HSA Contribution (Arch + Employee)	$4,400, Employee Only/$8,750 Employee + One or Family; Employees age 55+ can contribute an additional $1,000	$4,400, Employee Only/$8,750 Employee + One or Family; Employees age 55+ can contribute an additional $1,000	None	None
Annual Deductible	$1,700 Employee Only/$3,400 Employee + One or Family	$3,000 Employee Only/$6,000 Employee + One or Family	None	$600 Employee Only/$1,200 Employee + One or Family
Out-of-Pocket Maximum	$4,500 Employee Only/$6,850 Employee + One or Family	$9,000 Employee Only/$13,700 Employee + One or Family	$4,000 Employee Only/$8,000 Employee + One or Family	$6,000 Employee Only/$12,000 Employee + One or Family
Preventive Care	Covered at 100%	Not Covered	Covered at 100%	Covered at 70% after annual deductible

Prescription Type	Cigna Open Access Plus HDHP w/ Accident	Cigna Open Access Plus
Retail Generic	Covered at 80% after annual deductible	10% coinsurance, but not less than $5 and not more than $10 per prescription order or refill.
Retail Formulary	Covered at 80% after annual deductible	20% coinsurance, but not less than $45 and not more than $75 per prescription order or refill.
Retail Non-Formulary	Covered at 80% after annual deductible	30% coinsurance, but not less than $60 and not more than $85 per prescription or refill.
Mail Order Generic	Covered at 80% after annual deductible	10% coinsurance, but not less than $15 and not more than $30 per prescription order or refill.
Mail Order Formulary	Covered at 80% after annual deductible	20% coinsurance, but not less than $135 and not more than $225 per prescription order or refill.
Mail Order Non-Formulary	Covered at 80% after annual deductible	30% coinsurance, but not less than $180 and not more than $255 per prescription or refill.

*If you use a non-network pharmacy, you are responsible for any amount over the allowed amount.