PORAC Insurance & Benefits Trust

Health Plan 2026 Rates Comparison

October 6, 2025 | Latest News

CalPERS Open Enrollment Runs September 15th through October 10th The Insurance and Benefits Trust of PORAC has finalized the 2026 rates for the Police & Fire Health Plan, continuing its commitment to offering affordable, high-quality coverage. These rates remain among the most competitive available—often even lower than some HMO plans—providing exceptional value to members. Currently […]

Police and Fire Health Plan Rates Set for 2026

September 5, 2025 | Latest News

The Insurance and Benefits Trust of PORAC (IBT) Board of Trustees has finalized the 2026 health plan rates for the Police and Fire Health Plan, following a detailed review of the ongoing trends in healthcare costs. Over the past few years, the overall cost of medical services has continued to rise, impacting the health insurance […]

A Police & Fire Health Plan Overview

August 20, 2025 | Latest News

Health care is something that we all need to consider at some point in our lives. While none of us plans to fall ill or get injured, it’s crucial to be prepared for medical needs when they arise. This is especially true for first responders like police officers and firefighters, whose work exposes them to […]

Save the Date: CalPERS Open Enrollment

July 21, 2025 | Announcement

The CalPERS open enrollment period for adding, changing or terminating Health insurance benefits will run from September 15, 2025 through October 10, 2025. Simultaneously, the IBT’s Dental and Vision plans follow the same open enrollment period. Health, Dental and Vision plans have an effective date of January 1, 2026. Please review IBT’s Health, Dental and […]

Aflac Supplemental Insurance

July 2, 2025 | Latest News

Medical debt is a growing concern in the U.S., with an estimated $88 billion in outstanding medical bills impacting one in five Americans, according to the Consumer Financial Protection Bureau.1 For many, the financial burden of a medical emergency can be overwhelming, but there are ways to ease the strain. One valuable resource for PORAC […]

Auto & Home/Renters

Providing auto, home, motorcycle, renters insurance and more.
Dental & Vision

Find the right dental and vision coverage for you.
Disability, Life & AD&D

Protect yourself and your family.
Health Plans

Providing major medical insurance for qualifying PORAC members.
Supplemental

Prepare yourself for the unexpected. Cancer, ICU, Accident insurance and more.

Insurance & Benefits Trust / Committee of PORAC

Insurance and Benefits Trust of PORAC

Insurance Services

Auto & Home/Renters

Dental & Vision

Disability, Life & AD&D

Health Plans

Supplemental