Your Cost For Coverage

The County of San Diego provides you with a twice-monthly allowance of Flex Credits that you can use to purchase benefits.


About Your Flex Credit Amount

The  County  of  San  Diego’s  flexible   benefit  program provides   you  with  a  twice-monthly allowance  known as your Flex Credit amount.  It can be applied toward  the cost of your health care plans,  various  supplemental insurances,  and Flexible Spending Accounts  (FSAs). Flex credit amounts are determined by your bargaining unit's labor agreement.

Excess Flex Credits

You may have excess Flex Credits if you waive health care coverage or if you elect a medical plan that costs less than your twice-monthly allowance.

If you enroll  in a HDHP with  an HSA, your excess Flex Credits will  be automatically deposited into a Health Savings  Account  (HSA) for you to use to pay for eligible  health  care expenses. The HSA will be administered by Wells Fargo Bank. There is no minimum contribution amount to the HSA.

If you don’t enroll in a High Deductible Health Plan with an HSA, you can elect to have excess Flex Credits directed into a:

  • Health Care Flexible Spending  Account (FSA), or
  • Dependent Day Care Flexible Spending  Account (FSA).

You will not receive a cash benefit for waiving participation in the County’s health care plans. If your excess Flex Credits are less than $120, they will automatically be forfeited.

Pre-Tax Premium Contributions

The medical,  dental,  vision,  and  supplemental AD&D  premiums, as well  as contributions to an FSA or HSA, are deducted  from  your  paycheck with  pre-tax  dollars. This means  that contributions are taken from  your earnings  before Federal taxes, Social Security taxes, and, in some cases, state taxes as well, resulting in lower taxes and increased take home pay.

Waiving the County Medical Plan

You may waive medical plan coverage only if:

  • You submit  a “Proof of Health Insurance Coverage” form, and a copy of your insurance card.
  • You are covered by another County employee as a spouse or domestic partner and you submit  a completed Waiver Form.

Waiving coverage may only be elected during the County’s Open Enrollment period or during the year as the result of a qualifying event as defined by Section 125 of the Internal Revenue Code.