Medical plans

ASU offers two medical plan options for 2026

Both medical plans provide the option to choose Blue Cross Blue Shield or UnitedHealthcare medical networks. Please refer to the eligibility and enrollment section for information about coverage effective dates.

Medical plan options

2025 medical plan resources

2026 medical plan resources

2026 plan year deductibles and copays

The PPO Plan and HDHP with HSA out-of-network benefits are subject to reasonable and customary charges as defined by the insurance industry.

Annual deductibles
	PPO		HDHP with HSA
	In-network 2026	Out of network 2026	In-network 2025	In-network 2026	Out-of-network 2026
Individual	$200	$1,000	$1,650	$1,700	$5,000
Family aggregate	$400	$2,000	$3,300	$3,400	$10,000

Routine preventative services
PPO		HDHP with HSA
In-network 2026	Out of network 2026	In-network 2026	Out-of-network 2026
$0	50%	$0	50%

Copayment/coinsurance after applicable deductible is met Office visits
	PPO		HDHP with HSA
	In-network 2026	Out of network 2026	In-network 2026	Out-of-network 2026
PCP	$25	50%	10%	50%
OBGYN	$25	50%	10%	50%
Specialist	$45	50%	10%	50%
Telemedicine services	$25	50%	10%	50%

Copayment/coinsurance after applicable deductible is met Emergency Services
	PPO		HDHP with HSA
	In-network 2026	Out of network 2026	In-In-network 2026	Out-of-network 2026
Ambulance	$0	$0	10%	50%
Emergency Room	$250	$250	10%	50%
Urgent Care	$800	50%	10%	50%
Inpatient hospital admission	$300	50%	10%	50%
Outpatient facility	$150	50%	10%	50%
Laboratory and X-Ray services	$0	50%	10%	50%
Major radiology services	$100	50%	10%	50%
Durable medical equipment	$0	$20	10%	50%