Medical insurance program—City contribution.
Denver Revised Municipal Code § 18-173
in effectSec. 18-173. - Medical insurance program—City contribution.
(a) General provisions.
(1) Full-time contributions. Primary insureds who are regularly scheduled to work at least sixty (60) hours every two (2) weeks or full-time employees as defined in section 18-172 shall receive full-time contribution as defined in this section.
(2) Part-time contributions. Primary insureds who are regularly scheduled to work at least forty (40), but less than sixty (60) hours every two (2) weeks, excluding employees who fail to meet the full-time employee definition in section 18-172, shall receive a part-time contribution as defined in this section.
(3) Time limitations for health plan elections.
a. Health plan election. Each employee shall elect a health plan within thirty (30) days of employment.
b. Change in status. Each eligible employee shall promptly notify the office of human resources, benefits division of any changes to his or her status effecting the health plan election within thirty (30) days of such change. Eligible employees shall cooperate with the city and provide documentation as requested to verify any changes.
(4) Dependent coverage requirement. Each eligible dependent must be insured under the same plan as the employee.
(5) Limitations on city payment into active health savings accounts. The following restrictions shall apply to the city payment into an active health savings account provided for in this section:
a. An employee who is a dependent on any health insurance plan shall not be eligible to receive a city payment into an active health savings account.
b. Employees must actively contribute to an active health savings account through a pre-tax payroll deduction to receive a city matching contribution.
c. The city matching contribution will end when the primary insured's enrollment in the high deductible health plan offered by the city ends.
d. Employees who do not have an active health savings account are not eligible for a city payment into an active health savings account.
(6) Active health savings accounts. The office of human resources shall select a bank or other legally qualified institution ("approved bank") to provide and administer the health savings accounts ("active health savings account") associated with the city's high deductible health plan insurance program. No other health savings account ("HSA") shall qualify as an active health savings account as referred to in this section.
(b) Contribution amounts.
(1) High deductible health plan ("HDHP") contributions and payments. The city shall contribute the following for high deductible health plans, regardless of insurance provider:
a. Full-time contributions. Full-time contributions shall be: ninety-four and one-half percent (94.5%) of the monthly premium for employee only plans; eighty-nine and one-half percent (89.5%) of the monthly premium for employee plus children plans; eighty-seven percent (87%) of the monthly premium for employee plus spouse plans; and eighty-four and one-half percent (84.5%) of the monthly premium for family plans.
b. Part-time contributions. Part-time contributions shall be an amount equal to one-half (½) of the full-time contribution rate for each category of coverage listed in section 18-173(b)(1)(a).
c. City payment into active health savings accounts. Subject to the limitations set forth in this section, every year a primary insured is enrolled in a high deductible health plan offered by the city, the city shall pay into active health savings accounts the following amounts:
1. For employee only high deductible health plan coverage: For every one dollar ($1.00) per month the employee deposits into their active health savings account, the city will provide a two dollar ($2.00) match, with a monthly maximum of twenty-five dollars ($25.00), and an annual maximum of three hundred dollars ($300.00).
2. For high deductible health plan coverages that have eligible dependents: For every one dollar ($1.00) per month the employee deposits into their active health savings account, the city will provide a two dollar ($2.00) match, with a monthly maximum of seventy-five dollars ($75.00), and an annual maximum of nine hundred dollars ($900.00).
3. Active health savings account payment timing. Subject to the limitations set forth in this section, the city payment into an active health savings account shall occur within thirty (30) days of the active health savings account's creation, with the following limitations:
A. The city's contribution to an active health savings account shall follow the same 24-pay period schedule as health insurance premiums.
B. No retroactive health savings account matching contributions will be made.
C. Matching contributions will be based upon coverage effective on the first of each calendar month.
(2) Deductible health maintenance organization ("DHMO") contributions and payments. The city shall contribute the following for deductible health maintenance organization plans, regardless of the insurance provider selected:
a. Full-time contributions. Full-time contributions shall be: Eighty-four percent (84%) of the monthly premium for employee-only plans; seventy-nine percent (79%) of the monthly premium for employee plus children plans; seventy-six and one-half percent (76.5%) of the monthly premium for employee plus spouse plans; and seventy-four percent (74%) of the monthly premium for family plans.
b. Part-time contributions. The city shall contribute an amount equal to one-half (½) of the full-time contribution rate for each category of coverage listed in section 18-173(b)(2)(a).
(3) Preferred provider organization ("PPO") plan contributions and payments. The city shall contribute the following for the preferred provider organization plan:
a. Full-time contributions. Effective January 1, 2025, full-time contributions shall be: Ninety-two and one-half percent (92.5%) of the monthly premium for employee-only plans; eighty-seven and one-half percent (87.5%) of the monthly premium for employee plus children plans; eighty-five percent (85%) of the monthly premium for employee plus spouse plans; and eighty-two and one-half percent (82.5%) of the monthly premium for family plans.
b. Part-time contributions. The city shall contribute an amount equal to one-half (½) of the full-time contribution rate for each category of coverage listed in section 18-173(b)(3)(a).
(Ord. No. 959-05, § 1, 12-19-05; Ord. No. 502-11, § 1, 10-7-11; Ord. No. 507-12, § 1, 10-8-12; Ord. No. 460-13, § 1, 9-23-13; Ord. No. 489-14, § 3, 9-8-14; Ord. No. 412-15, § 1, 7-13-15; Ord. No. 763-17, § 3, 8-7-17; Ord. No. 0188-18, § 3, 3-12-18; Ord. No. 731-18, § 1, 7-30-18; Ord. No. 1089-24, § 1, 9-16-24)
Source: City and County of Denver, Revised Municipal Code and Charter (Municode Library, library.municode.com)URL: https://library.municode.com/co/denver/codes/code_of_ordinances?nodeId=TITIIREMUCO_CH18EMOFPABE_ARTVIINPR_DIV1GEPR_S18-173MEINPRITCOFetched: 10/27/2026