Due to Summer Enrollment processing, ERS OnLine will be unavailable from 6:00 p.m. Friday, June 23 until 7:00 a.m. Monday, June 26. We apologize for any inconvenience.


  • Use the rate tool to estimate out how much you may pay for your
    insurance options.

    Calculators do not determine eligibility. For your current rates,
    access your account.

    Asterisk (*) indicates required field

  • Select the Plan Year and Benefit Type
    Plan Year
    Insurance Type
    Select Your Plan and Coverage Level
    Coverage Level
    Optional Life and Dependent Life

    Enter Salary and Date of Birth

    *This calculator only applies if you are an employee and under age 70

    If you are over age 69 or retired, contact ERS.

    Gross Monthly Salary
    Date of Birth
    Voluntary AD & D

    Enter Coverage Amount

    *Enter $10,000 to $200,000 in $5,000 increments. Amounts decrease after age 70.

    Coverage Amount $
    Enter Gross Monthly Salary
    Add Tobacco User Premium

    Select Tobacco User(s)

    You must certify yourself and your dependent(s) as tobacco users or non-users. You will pay a Tobacco User Premium of $30 per month for each person in your household who uses tobacco or fails to certify (up to a household maximum of $90 per month).

    Tobacco Users

    Select all applicable covered individuals who use tobacco or are not certified.
    Your Benefits Estimate
    *Calculators do not determine coverage eligibility.
  • Consumer Directed HealthSelectSM has a lower monthly premium than the other health plans, but it has a much higher deductible for non-preventive services, which could mean much higher out-of-pocket costs. The monthly premiums for this plan are for the high-deductible health plan portion of the benefit. They do not include the state contribution to a health savings account, which is $45 per month for an individual account and $90 per month for a family account. Visit the CDHS webpage for more information.