PORAC Insurance & Benefits Trust

Health Plan 2027 Rates Comparison

October 1, 2026 | Latest News

CalPERS Open Enrollment Runs September 14th through October 9th The Insurance & Benefits Trust of PORAC remains dedicated to serving over 26,000 members and their families by providing high-quality coverage at an affordable rate. Looking ahead, the 2027 Police & Fire Health Plan and Universal Health Plan rates will stay highly competitive, frequently beating standard […]

2027 PORAC Health Plan Rates Set

September 4, 2026 | Latest News

The Insurance and Benefits Trust of PORAC (IBT) Board of Trustees have finalized the 2027 health plan rates for the PORAC sponsored Police and Fire Health Plan, following a comprehensive evaluation of shifting healthcare cost trends. In recent years, the health insurance sector has faced severe upward pressure on rates. In response, the IBT Board […]

How Supplemental Insurance Safeguards Your Financial Health

August 4, 2026 | Latest News

For many families in the US, the financial burden of a medical emergency can be overwhelming. Fortunately, members of the Peace Officers Research Association of California (PORAC) have access to an essential safety net: supplemental insurance coverage provided by the Insurance & Benefits Trust of PORAC (IBT) and administered by Aflac. While primary health insurance […]

Save the Date: CalPERS Open Enrollment

July 22, 2026 | Announcement

The CalPERS and IBT open enrollment period for Health, Dental, and Vision benefits runs from September 14 through October 9, 2026. This is your annual opportunity to add, change, or terminate your coverage. All selections made during this window will take effect on January 1, 2027. Please take the time to review the available IBT Health, […]

Securing the Shield: Why Life and AD&D Insurance are Vital for Police Officers

July 1, 2026 | Latest News

For police officers, the concept of “risk” isn’t a theoretical calculation; it is a daily reality. From pursuits and confrontations to the physiological toll of high-stress environments, law enforcement professionals face hazards that far exceed those of the average workforce. While a badge and vest provide physical protection on the street, Life Insurance and Accidental […]

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