Health Insurance

For 2026, benefited employees will have a choice between one POS HSA plan, and two HMO HSA plans. Click HERE to view the 2026 summary of the Priority Health medical benefits plans available to employees.

Contact Priority Health, Customer Service Department, if you have questions about your benefits or coverage.

Premiums

2026 Full-Time Bi-Weekly Premiums

  • HSA 1700: 14.12% employee contribution
  • HSA 3000: 3.35% employee contribution
  • HSA 4000: 1.55% employee contribution

There are 26 pay periods in 2026.

2026

Medical/Prescription
Priority Health		 Enrollee Only Two
Person		 Family
HSA 1700 Plan ($1,700/$3,400) $47.28 $106.37 $132.39
HSA 3000 Plan ($3,000/$6,000) HMO $8.31 $18.70 $23.28
HSA 4000 Plan ($4,000/$8,000) HMO $3.49 $7.85 $9.76

 

What is an HMO?

Plan Types Explained (HMO, POS) HMO Out-of-State Coverage FAQ

Scenarios

Full-time employees, using the grid below, estimate you or your family’s total medical spend to compare total cost between plans. The green column is the lowest price. (This does not include part-time cost.)

 

Click HERE to watch a video about the health insurance plan options available for 2025.

Individual Plan Summaries

2026 HSA 1700 SBC 2026 HSA 1700 Schedule of Benefits(No Out-of-Network benefit)2026 HSA 3000 SBC 2026 HSA 3000 Schedule of Benefits 2026 HSA 3000 OOA Dependent Schedule of Benefits(No Out-of-Network benefit)2026 HSA 4000 SBC 2026 HSA 4000 Schedule of Benefits 2026 HSA 4000 OOA Dependent Schedule of Benefits

Side by Side Plan Comparison

2026 Side-by-Side Plan Comparison

Non-Compliance Rates

2025 Biweekly Disincentives

Part-Time Rates

2026

HSA 1700 Part-Time Rates HSA 3000 Part-Time Rates HSA 4000 Part-Time Rates

Opt Out – Bi-Weekly Payment

If you elect to opt out of the Ottawa County Medical, Dental and Vision insurance, you will receive an annual amount of
$2,400, which will be paid out each pay period. This pro-rated amount equals $92.31 per pay period (pro-rated for
part-time employees dependent on full-time equivalent).

Priority Health BenefitHub

As a Priority Health member, you can enjoy discounts, rewards and other perks on thousands of the brands you love with BenefitHub.

Click here for more information

Forms

Information

Legal Notices

Dental Insurance 2026

Ottawa County’s Dental Insurance Provider for 2026 is The Pool. The dental network The Pool uses is ADN.

Dental Premiums: Full-Time Bi-Weekly Rates

2026

Dental Delta Dental of Michigan Enrollee Only Two Person Employee & Family
Basic $1.30 $2.52 $4.05
Enhanced $5.21 $10.90 $27.42

 

Vision Insurance 2026

Ottawa County’s Vision Insurance Provider for 2024 and 2025 is EyeMed.

eyemed

2026 Vision Premiums: Full-Time Bi-Weekly Rates

EyeMed Vision Care Enrollee Only Two Person Employee & Family
Basic $0.20 $0.37 $0.55
Enhanced $1.73 $3.28 $4.83

EyeMed Vision Care Website »

Free glasses when you shop at Target Optical. Click here to learn more.

Need a new pair of shades?  Check out this discount program.

Buying online isn’t just for clothes and gadgets anymore – it’s for eyewear, too. EyeMed is now offering Glasses.com and ContactsDirect as in-network providers, so members may go online to buy glasses and contacts anytime, from anywhere, and use their vision benefit. View this flyer for more details.

Life Insurance Benefits

Ottawa County provides life insurance to all benefited employees, at no cost to the employee through Sun Life

Life Insurance Summaries

Additional Dependent Life Insurance

Additional dependent life insurance may be elected during initial insurance enrollment or annually, during open enrollment.

For purposes of dependent life insurance, Child is defined as: Your natural child, adopted child (including a child from the date of placement with the adopting parents until the legal adoption) or stepchild and who, in each case, is at least 15 days old, under age 26, unmarried and supported by you. The term does not include any person who:

  • is on active duty in the military of any country or international authority; however, active duty for this purpose does not include weekend or summer training for the reserve forces of the United States, including the National Guard; or
  • is insured under the Group Policy as an employee

Available options:

  • Option 1: $10,000 spouse/$5,000 for $0.87 per pay period
  • Option 2: $15,000 spouse/$7,500 children for $1.31 per pay period
  • Option 3: $20,000 spouse/$10,000 children for $1.73 per pay period

Sun Life Supplemental Benefit

Sun Life also provides employees with the option to purchase additional employee and dependent term life insurance, at cost to the employee.  This is in addition to dependent life insurance elected during initial insurance enrollment or during open enrollment. Term Life insurance can provide you and your family with financial security in the event you or a covered person passes away. Term Life Insurance is provided at an inexpensive rate while offering a range of benefit amounts to fit you and your families needs. This term life insurance is in addition to your current life insurance and your elected dependent life insurance through Sun Life. Additional life insurance is available for:

  • Employees, up to $100,000
  • Spouses, up to $25,000
  • Children, up to $10,000

Please note: This policy is offered to all newly hired eligible employees on an initial GUARANTEE ISSUE basis and no health questions are required. If no election for coverage is made during your initial eligibility, future enrollment will require a medical questionnaire and you may be denied coverage. Changes during the plan year are subject to a qualifying life event. This supplemental benefit is not administered by Ottawa County. Any agreements made with Sun Life (regarding additional term life insurance) as a result of this information is solely between the employee and Sun Life, and is at cost to the employee.

When electing this supplemental Term Life Insurance, there are additional benefits available to you. More information will be coming soon.

For general questions, please contact Erin Rotman at 616-738-4805 or erotman@miottawa.org. All enrollment and cancellation forms for should be sent to Human Resources.