Optima Equity HDHP

The Optima Equity High Deductible Health Plan (HDHP) is a plan that also offers a Health Savings Account (HSA) option. The money you and/or the city contributes to an HSA earns interest for you tax-free and you can withdraw money tax-free for qualified medical expenses. If you do not need to withdraw funds for health care costs, the money continues to earn interest, grow and stay with you. Find more information about the HDHP and HSA.


You may add dependents to your insurance either during Open Enrollment or if they lose coverage due to a life qualifying event.

Dependents are defined as legal spouse (based on the Virginia definition of marriage) and children under age 26, by birth, marriage, legal custody/guardianship or adoption.  Dependent children are covered to the end of the month they reach age 26.

Life Qualifying Events are defined by the following: Marriage, Divorce, Birth, Legal custody or Adoption, Death, or Loss of insurance coverage. The Benefits Office must be notified in writing within 31 days of the Life Qualifying Event.