Cafeteria Rates and Premiums

The County 'Cafeteria' contribution a fixed dollar amount that can be applied toward employee medical, dental, and vision premiums. The monthly Cafeteria amount varies by employee bargaining unit. Benefit premiums and the associated Cafeteria contributions are accounted for on a semi-monthly basis or 24 times a year. The per pay period amount is the amount applied to and deducted from each paycheck. 

If the Cafeteria amount is greater than your premiums for your selected plans, the remainder of the Cafeteria is paid out in your paychecks. If the Cafeteria amount is less than your monthly premiums, you pay the difference (referred to as out-of-pocket costs). To determine your out-of-pocket cost, add the total cost of your medical, dental, and vision premiums and subtract the Cafeteria contribution.

Employees may waive medical insurance by providing proof of other group coverage, which could be an insurance ID card or a statement from the insurance carrier. Employees that opt out of medical insurance are not eligible for the monthly Cafeteria contribution, unless their MOU states otherwise. Please refer to your bargaining unit’s MOU for cash-in-lieu policy. 

Please review your specific Bargaining Unit's Cafeteria Contribution, as well as the medical, dental, and vision rates below. Please note: these calculations are solely for medical, dental, and vision premiums. You may be enrolled in other benefits that will increase your out-of-pocket costs, including ancillary insurance, flexible spending accounts, and health savings accounts. To review your out-of-pocket costs for these additional benefits, please refer to your Confirmation Statement through BenXcel. 

2026 Premiums and Cafeteria Contribution Rates

San Luis Obispo County 2026 Cafeteria Contribution Amounts by Bargaining Unit
Unit Association Classifications/County Contribution
02 SLOCEA

Trades, Crafts, & Services

Employee Only: $954.00

Employee + 1: $1,567.00

Employee + 2 or more: $1,934.00

01, 05, 13 SLOCEA

Public Services, Supervisory, Clerical

Employee Only: $954.00

Employee + 1: $1,567.00

Employee + 2 or more: $1,934.00

03, 21, 22, & 14 DSA

Law Enforcement, Supervisory Law Enforcement, & Dispatchers

Employee Only: $954.00

Employee + 1: $1,567.00

Employee + 2 or more: $1,934.00

06 DAIA

DA Investigators

Employee Only: $954.00

Employee + 1: $1,567.00

Employee + 2 or more: $1,934.00

04 SLOPA

Prosecuting Attorneys

Employee Only: $1,196.00

Employee + 1: $1,567.00

Employee + 2 or more: $1,934.00

07-11 UEC

Operations & Staff, MGMT. Elected Officials, Conf.

Employee Only: $975.00

Employee + 1: $1,567.00

Employee + 2 or more: $1,934.00

17 MGMT

County Supervisors

Employee Only: $975.00

Employee + 1: $1,567.00

Employee + 2 or more: $1,934.00

15 SLOCSMA

Law Enforcement Operations & Staff MGMT.

Employee Only: $975.00

Employee + 1: $1,567.00

Employee + 2 or more: $1,934.00

16  MGMT

Law Enforcement MGMT.

Employee Only: $975.00

Employee + 1: $1,567.00

Employee + 2 or more: $1,934.00

12 DCCA

Confidential Attorneys

Employee Only: $1,146.00

Employee + 1: $1,567.00

Employee + 2 or more: $1,934.00

27 SDSA

Sworn Deputy Sheriffs Association

Employee Only: $909.00

Employee + 1: $1,567.00

Employee + 2 or more: $1,934.00

28 SDSA

Sworn Deputy Sheriffs Association - Supervisory

Employee Only: $975.00

Employee + 1: $1,567.00

Employee + 2 or more: $1,934.00

31 SLOCPPOA

Probation Officers

Employee Only: $991.00

Employee + 1: $1,567.00

Employee + 2 or more: $1,934.00

32 SLOCPPOA

Probation Officers - Supervisory

Employee Only: $1,058.00

Employee + 1: $1,567.00

Employee + 2 or more: $1,934.00

00 TEMP, OTHER

Temp-help, Contract, Other

Employee Only: $769.36

The County provides a cafeteria contribution (employer contribution) towards your medical, dental, and vision premiums. Below is a link to download an Excel Spreadsheet benefits calculator. Follow the below steps to utilize it:

  1. Download the 2026 Benefits Cafeteria and Premiums Calculator.
  2. Open the Excel spreadsheet.
    • Do not attempt to edit any of the cells in the spreadsheet, you will receive an error message.
    • You will see error #VALUE! in the calculator if you have not entered all the necessary information. 
  3. Use the dropdowns to select your information. 
    • Select your bargaining unit.
    • Select your intended 2026 medical plan and medical enrollment tier.
    • Select your intended 2026 dental plan and dental enrollment tier.
    • Select your 2026 vision enrollment tier. 
  4. The calculator will automatically populate the appropriate Cafeteria contribution and medical, dental, and vision premiums and it will provide you with your monthly out of pocket cost.
NOTE: this calculator is only intended to provide out of pocket costs for the County core benefits (medical, dental, and vision). If you elect additional ancillary coverages, these costs will not be included. This calculator is only intended for full time employees. If you are part time, reach out to your Department HR/Payroll Coordinator for assistance in calculating out of pocket costs.
2026 Medical Premium Rates (Effective 01/01/2026)
Plan Name Employee Only Employee +1 Family
Per Pay Period Monthly Per Pay Period Monthly Per Pay Period Monthly
Blue Shield Tandem PPO $455.50 $911.00 $898.50 $1,797.00 $1,170.00 $2,340.00
Blue Shield Choice PPO $517.50 $1,035.00 $1,023.50 $2,047.00 $1,334.00 $2,668.00
Blue Shield Care PPO $558.50 $1,117.00 $1,108.50 $2,217.00 $1,445.50 $2,891.00
Blue Shield EPO $633.50 $1,267.00 $1,260.50 $2,521.00 $1,647.50 $3,295.00
Blue Shield High Deductible Health Plan (HDHP) $449.63 $899.25 $889.13 $1,778.25 $1,158.13 $2,316.25
2026 Dental & Vision Premium Rates (Effective 01/01/2026)
Plan Name Employee Only Employee +1 Family
Per Pay Period Monthly Per Pay Period Monthly Per Pay Period Monthly
Aetna Dental DMO $16.90 $33.79 $27.94 $55.88 $41.27 $82.54
Delta Dental PPO $25.13 $50.26 $42.72 $85.43 $65.33 $130.65
VSP Vision $4.77 $9.54 $7.27 $14.54 $11.76 $23.52

Special Notice to Part-time Permanent Employees: The pro-rated cafeteria plan contribution is based on hours worked, paid leave, and/or time off granted under Voluntary Time Off Program. See below for legacy/grandfather dates by bargaining unit for part-time employees entitled to full Cafeteria benefits.

Dates for Grandfather Prorated Provision of Cafeteria Benefits by Bargaining Unit
Bargaining Unit Grandfathered if hired
01, 05, 13 SLOCEA 12/14/04
02 SLOCEA 10/03/06
03, 21, 22, 14 DSA 02/07/06
04, 07, 08, 09, 10, 11, 12 02/25/05
15, 16 Law Enforcement No Agreement
31, 32 Probation 02/28/05

For grandfathered Cafeteria Cash Out dates and amounts, please refer to your bargaining unit’s MOU.