Insurance Programs

ACC offers eligible employees insurance plans provided by the Employees Retirement System of Texas (ERS) through their state-mandated plan referred to as the Group Benefits Plan (GBP). An employee may choose to enroll or decline any insurance coverage with ERS.

New employees must attend an orientation program conducted by the Office of Human Resources at which the employee may select insurance coverages for themselves and their eligible dependents. Medical insurance and the TexFlex Health Care Flexible Spending Accounts (FSA) may be subject to a waiting period of 60 days. For most new employees, this means that your ERS Health insurance coverage and TexFlex Health Care FSA will not be effective until the first of the month following a 60-day waiting period from your date of hire.  However, optional coverages may be effective on the date of hire. 

New employees have 60 days to elect health insurance and 31 days to select optional coverages.  Thereafter, an employee may only make changes to their coverage during an annual enrollment period or within 31 days of a qualifying life event (QLE).  Evidence of Insurability may be required for certain coverages at the time of enrollment.

Health and other insurance benefits for ACC employees and retirees are subject to change based on available state funding. The Texas Legislature determines the level of funding for such benefits and does not have a continuing obligation to provide those benefits beyond each fiscal year.

Employee Coverage Categories

Active employee benefits and the amount of the ACC and/or State contribution to help pay for certain coverage, are based on the number of hours worked per week and fall into the following four groups:

Contribution Tier Hours/Week ACC Contribution Percentage for Health Coverage

Self-Pay (Adjunct Faculty only)

≤ 19

0% - employee must pay full cost


20 – 29

50% for employee only, plus 25% for covered dependents


30 – 39

100% for employee only, plus 50% for covered dependents


≥ 40

100% for employee only, plus 50% for covered dependents

Also, ACC pays the cost of: employee only Dental coverage, 1x salary for Optional Life insurance, $55,000 of AD&D insurance, and UNUM Long-Term Disability insurance.

Refer to the ERS insurance booklets, contact ERS online at or contact the ACC Benefits office at for a more detailed explanation.

Insurance Plan Materials: