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Health Insurance

Health Insurance Plans

STMA's health insurance plans are provided by BlueCross BlueShield of MN under their Aware Network. Employees can choose between four different high-deductible plans. Deductibles accumulate on the calendar year, with a 4th quarter carryover for VEBA, HSA, and Hybrid plans (not eligible for MVP plans). 

Important Update: Effective July 1, 2026, STMA's medical plans will be administered by HealthPartners under their Open Access network. We will continue to offer the same VEBA, HSA, Hybrid, and MVP plans.

To compare plan options, please review the one-page comparison document or review additional details for individual plans below.  

VEBA Plan

  • Highest annual premium
  • $1,850 individual/$3,700 family deductible
  • High-deductible insurance plan combined with a VEBA (health reimbursement arrangement)
  • VEBA is an employer-funded account that can be used for out-of-pocket costs 

Access the Summary of Benefits & Coverage for additional coverage details.

 

HSA Plan

  • $4,250 individual/$8,500 family high-deductible
  • Combined with a Health Savings Account (HSA)
  • Both the employee and employer can contribute to the HSA (up to IRS maximum) 
  • HSA dollars can be used for out-of-pocket costs

Access the Summary of Benefits & Coverage for additional coverage details.

 

Hybrid Plan

  • $4,250 individual/$8,500 family high-deductible
  • Plan allows for VEBA and HSA combination
  • VEBA is an employer-funded account that can be used for out-of-pocket costs
  • HSA allows for both employee and employer contributions (up to IRS maximum)  

Access the Summary of Benefits & Coverage for additional coverage details.

 

MVP Plan

  • Lowest annual premium
  • $6,350 individual/$12,700 family deductible
  • Combined with a Health Savings Account (HSA)
  • Both the employee and the employer can contribute to the HSA (up to IRS maximum)
  • HSA dollars can be used for out-of-pocket costs

Access the Summary of Benefits & Coverage for additional coverage details.

 

NEW HealthPartners Resources (effective July 1, 2026)

BCBS Resources (through June 30, 2026)