Overview
The premiums for the benefits plans are outlined below.
Benefits premium amounts listed are monthly amounts. Premiums are deducted from twenty four paychecks a calendar year or the first two paychecks each month (the amount listed in the charts divided by two).
Benefits Premiums
2025 Monthly (without Uniform Dental) | Health Plan | High Deductible Health Plan (HDHP) | Health Plan | |||
|---|---|---|---|---|---|---|
| Individual | Family | Individual | Family | Individual | Family | |
Health Plan & HDHP | $120.00 | $297.00 | $42.00 | $104.00 | $60.00 | $148.50 |
Access Health Plan & Access HDHP | $292.00 | $724.00 | $214.00 | $531.00 | $146.00 | $362.00 |
Access Health Plan & Access HDHP | $183.00 | $460.00 | $105.00 | $267.00 | $91.50 | $230.00 |
Additional Premium Information
University Staff employees need to complete two months of WRS State/Universities of Wisconsin service prior to being eligible for the employer contribution towards health insurance. Coverage would be effective on the first of the month on or after completion of two months of WRS State/Universities of Wisconsin service. University Staff employees that would like State Group Health Insurance prior to being eligible for the employer contribution may enroll; however, will pay 100% of the total premium until they have two months of WRS State/Universities of Wisconsin service.
Employees covered by the WRS working less than 50% and University Staff Temporary employees with one appointment pay 50% of the total premium.
2025 Total Premiums:
- For Employees, Continuants, and Retirees without Medicare
- For Graduate Assistants and Short-term Academic Staff
Reminder: Crafts workers are eligible for the employer share towards their health insurance.
2025 Monthly | Uniform Dental* | Preventive Dental (eligible if not enrolled in State Group Health) | Supplemental Dental - PPO Select | Supplemental Dental - PPO Plus Premier Select Plus |
|---|---|---|---|---|
| Individual | $4.00 | $36.10 | $9.08 | $21.60 |
| Individual + Spouse | $10.00 | $90.28 | $18.16 | $43.22 |
| Individual + Child(ren) | $10.00 | $90.28 | $12.24 | $40.12 |
| Family | $10.00 | $90.28 | $21.76 | $66.20 |
*The Universities of Wisconsin contributes toward the premium.
| 2025 Monthly Employee Premiums | |
| Individual | $5.72 |
| Individual + Spouse | $11.42 |
| Individual + Child(ren) | $12.88 |
| Family | $20.58 |
The Universities of Wisconsin does not contribute toward the premium.
State Group Life Insurance premiums are based on your age as of April 1st each year, your highest calendar year of eligible earnings, and your elected coverage level(s).
Basic coverage is the first unit of coverage. Supplemental coverage is the second unit of coverage. Additional coverage of one to three units can be elected. Each unit of coverage is equal to your highest prior calendar year's actual earnings rounded up to the nearest thousand.
To calculate your premium divide your coverage amount (your highest prior calendar year's actual earnings rounded up to the nearest thousand) by $1,000 and multiply the result by the rate per $1,000 for the coverage level(s) for your age bracket listed in the chart below.
Monthly Employee Premiums and Coverage Levels | |||
| Age as of April 1 | Basic and Supplemental Rate per $1,000 | Additional | Spouse & Dependent Coverage |
| Under age 40 | $0.06 | $0.08 | One Unit of Coverage: $2.10 for $10,000 Spouse and $5,000 for each child |
| 40-44 | $0.08 | $0.13 | |
| 45-49 | $0.14 | $0.21 | |
| 50-54 | $0.23 | $0.34 | Two Units of Coverage: $4.20 for $20,000 Spouse and $10,000 for each child |
| 55-59 | $0.31 | $0.46 | |
| 60-64 | $0.42 | $0.63 | |
| 65-69 | $0.55 | $0.80 | |
Over age 70 Additional Coverage | |
| Age as of April | Rate per $1,000 |
| 70 | $1.00 |
| 71 | $1.15 |
| 72 | $1.25 |
| 73 | $1.45 |
| 74 | $1.60 |
| 75 | $1.80 |
| 76 | $1.95 |
| 77+ | $2.06 |
The Universities of Wisconsin contribution for basic coverage is 65.25% of the employee-paid premium. The employer contribution for supplemental coverage is 37.25% of the employee-paid premium. The premiums listed in the chart above are the employee portion of the premium.
Monthly Employee Premiums and Coverage Levels | |||
| Age as of April 1 | Basic and Supplemental Rate per $1,000 | Additional | Spouse & Dependent Coverage |
| Under age 40 | $0.05 | $0.08 | One Unit of Coverage: $2.10 for $10,000 Spouse and $5,000 for each child |
| 40-44 | $0.08 | $0.12 | |
| 45-49 | $0.13 | $0.20 | |
| 50-54 | $0.21 | $0.32 | Two Units of Coverage: $4.20 for $20,000 Spouse and $10,000 for each child |
| 55-59 | $0.29 | $0.44 | |
| 60-64 | $0.40 | $0.60 | |
| 65-69 | $0.52 | $0.77 | |
Over age 70 Additional Coverage | |
| Age as of April | Rate per $1,000 |
| 70 | $1.00 |
| 71 | $1.15 |
| 72 | $1.25 |
| 73 | $1.45 |
| 74 | $1.60 |
| 75 | $1.80 |
| 76 | $1.95 |
| 77+ | $2.06 |
The Universities of Wisconsin contribution for basic coverage is 65.25% of the employee-paid premium. The employer contribution for supplemental coverage is 37.25% of the employee-paid premium. The premiums listed in the chart above are the employee portion of the premium.
Individual & Family Life Insurance employee and spouse/domestic partner coverage premium is based on the your age as of January 1st each year and your elected coverage level(s). Coverage for employee and spouse/domestic partner coverage can be elected in $5,000 increments. Child coverage can be elected in $2,500 increments.
Individual & Family Life Insurance initial enrollment coverage levels are $20,000 employee, $10,000 spouse/domestic partner, and $5,000 child. Coverage levels may be increased each year during the Annual Increase Option period or you may apply to increase coverage at any time through evidence of insurability. The maximum coverage levels allowed are $300,000 employee, $150,000 spouse/domestic partner, and $25,000 child.
To calculate your premiums, use the . Otherwise divide your coverage amount by $1,000 and multiply the result by the rate per $1,000 for your age bracket listed in the chart below.
Monthly Employee Premiums* | ||
| Age as of January 1 | Employee Coverage Rate per $1,000 | Spouse / Domestic Partner Coverage Rate per $1,000 |
| 27 or under | $0.023 | $0.031 |
| 28-30 | $0.025 | $0.034 |
| 31-33 | $0.032 | $0.043 |
| 34-36 | $0.037 | $0.050 |
| 37-39 | $0.045 | $0.061 |
| 40-42 | $0.068 | $0.092 |
| 43-45 | $0.108 | $0.145 |
| 46-48 | $0.130 | $0.176 |
| 49-51 | $0.181 | $0.245 |
| 52-54 | $0.232 | $0.314 |
| 55-57 | $0.323 | $0.436 |
| 58-60 | $0.403 | $0.528 |
| 61-63 | $0.556 | $0.658 |
| 64-66 | $0.799 | $0.918 |
| 67-69 | $1.117 | $1.278 |
| 70-72 | $1.724 | $1.981 |
| 73+ | $2.466 | $2.831 |
*Child coverage premium is $0.070 per $1,000 of coverage.
Employee coverage must be elected to enroll in Spouse/Domestic Partner and/or Child coverage and may not exceed the amount of Employee coverage in effect.
The Universities of Wisconsin does not contribute towards the premium.
Effective January 1, 2025, the UW Employees, Inc. Life Insurance Plan terminated. Employees enrolled in the plan as of December 31, 2023 were provided coverage through December 31, 2024 at no cost. The UW Employees, Inc. Board authorized plan assets that were used to cover premium costs in 2024.
The level of coverage you were eligible for under the UW Employees, Inc. Life Insurance Plan was determined by your age as of January 1st of the current year.
Monthly Employee Premiums and Coverage Levels | ||
| Age as of January 1 | Benefit Amount | Premium |
| Under 35 | $33,000 | $0.74 |
| 35-39 | $28,000 | $0.96 |
| 40-44 | $25,000 | $1.20 |
| 45-49 | $18,000 | $1.50 |
| 50-54 | $15,000 | $1.80 |
| 55-59 | $13,000 | $2.86 |
| 60-64 | $12,000 | $3.26 |
| 65 and over | $7,000 | $2.26 |
The Universities of Wisconsin did not contribute to the premium.
Effective January 1, 2025, the University Insurance Association Life Insurance Plan terminated. Employees enrolled in the plan as of January 1, 2024 had coverage through December 31, 2024. Group coverage ended January 1, 2025.
The annual premium for the University Insurance Association life insurance plan was $38.40 and was deducted from the January 25, 2024 paycheck.
The Universities of Wisconsin did not contribute to the premium.
MONTHLY EMPLOYEE PREMIUMS AND COVERAGE LEVELS
Coverage Level | Individual Coverage | Family Coverage Monthly Premium |
|---|---|---|
| $25,000 | $0.65 | $1.00 |
| $50,000 | $1.30 | $2.00 |
| $100,000 | $2.60 | $4.00 |
| $150,000 | $3.90 | $6.00 |
| $200,000 | $5.20 | $8.00 |
| $250,000 | $6.50 | $10.00 |
| $300,000 | $7.80 | $12.00 |
| $350,000 | $9.10 | $14.00 |
| $400,000 | $10.40 | $16.00 |
| $450,000 | $11.70 | $18.00 |
| $500,000 | $13.00 | $20.00 |
The Universities of Wisconsin does not contribute towards the premium.
If you enroll in Family coverage, the benefit amount of your family member(s) coverage will be a percentage of the employee benefit amount. Domestic partners are eligible for this plan.
| 2025 Monthly Employee Premiums | |
| Individual | $3.72 |
| Individual + Spouse | $5.32 |
| Individual + Child(ren) | $7.16 |
| Family | $10.46 |
The Universities of Wisconsin does not contribute toward the premium.
Effective in 2025 Income Continuation Insurance (ICI) premiums will be updated as of April 1.
Faculty, Academic Staff, and Limited Appointees
Income Continuation Insurance (ICI) premiums for Faculty, Academic Staff and Limited appointees are based on eligible earnings and the elimination period that you elected. Elimination periods are 30, 90, 125, or 180 days. The longer the waiting period, the lower the premium.
Your eligible earnings are evaluated at the end of every calendar year and your premiums are adjusted the following April (starting in 2025).
Monthly Premiums | |||
| Elimination Period | EmployEE Rate per $1,000 of Annual Earnings | EmployER Rate per $1,000 of Annual Earnings | Total Rate per $1,000 of Annual Earnings |
| Employees with MORE than 1 Year of State WRS Service | |||
| 30-Day | $0.420 | $0.240 | $0.660 |
| 90-Day | $0.110 | $0.240 | $0.350 |
| 125-Day | $0.090 | $0.240 | $0.330 |
| 180-Day | $0.000 | $0.240 | $0.240 |
| Employees with LESS than 1 Year of State WRS Service | |||
| 30-Day | $0.660 | $0.000 | $0.660 |
| 90-Day | $0.350 | $0.000 | $0.350 |
| 125-Day | $0.330 | $0.000 | $0.330 |
| 180-Day | $0.240 | $0.000 | $0.240 |
To calculate your premium, use the .
The Universities of Wisconsin contributes a portion of the premium after you have more than one year of state service and varies based on the elimination period you elect. For Faculty, Academic, and Limited Appointees below is the percent of gross premium the Universities of Wisconsin contributes based on elimination period elected:
- 30-day – 37%
- 90-day – 69%
- 125-day – 76%
- 180-day – 100%
University Staff
Income Continuation Insurance (ICI) premiums for University Staff employees are based on your eligible earnings and your accrued unused sick leave hours (premium category). The more sick leave hours* you retain, the lower your premium.
Your eligible earnings and sick leave balance are evaluated at the end of every calendar year and premiums are adjusted the following April (starting in 2025).
Monthly Premiums | ||||
| Premium Category | Sick Leave Hours | EmployEE Rate per $1,000 of Annual Earnings | EmployER Rate per $1,000 of Annual Earnings | Total Rate per $1,000 of Annual Earnings |
| 1 | Less than 184 hours | $0.790 | $0.000 | $0.790 |
| 2 | 184 - 519 hours | $0.590 | $0.000 | $0.590 |
| 3 | 80 hours | $0.140 | $0.290 | $0.430 |
| 4 | 520 - 727 hours | $0.070 | $0.240 | $0.310 |
| 5 | 728 - 1,040 hours | $0.040 | $0.210 | $0.250 |
| 6 | Greater than 1,040 hours | $0.000 | $0.250 | $0.250 |
To calculate your premium, use the .
Premium Category 3 is a special enrollment category. If you have accrued at least 80 hours of unused sick leave during the calendar year as of the last payroll of the year you are eligible for this category (prorated if part-time).
Premium Category 4, 5, and 6 are considered permanent plateau categories. Once you reach a plateau category, hours of unused sick leave as of the last payroll of the calendar year, you will not drop to a lower category even if your sick leave balance falls below the category’s threshold.
*University Staff-Temporary employees do not earn sick leave and will always be in Premium Category 1.
The Universities of Wisconsin contributes a portion of the premium after you have more than one year of state service and varies based on your premium category. For University Staff employees below is the percent of gross premium the Universities of Wisconsin contributes:
- Category 1 - 0%
- Category 2 - 0%
- Category 3 - 67%
- Category 4 - 77%
- Category 5 - 85%
- Category 6 - 100%
Faculty, Academic Staff, and Limited Appointees
Income Continuation Insurance (ICI) premiums for Faculty, Academic Staff and Limited appointees are based on eligible earnings and the elimination period that you elected. Elimination periods are 30, 90, 125, or 180 days. The longer the waiting period, the lower the premium.
Your eligible earnings are evaluated at the end of every calendar year and your premiums are adjusted the following February.
Monthly Premiums | |||
| Elimination Period | EmployEE Rate per $1,000 of Annual Earnings | EmployER Rate per $1,000 of Annual Earnings | Total Rate per $1,000 of Annual Earnings |
| Employees with MORE than 1 Year of State WRS Service | |||
| 30-Day | $0.462 | $0.271 | $0.733 |
| 90-Day | $0.125 | $0.271 | $0.396 |
| 125-Day | $0.096 | $0.271 | $0.367 |
| 180-Day | $0.000 | $0.271 | $0.271 |
| Employees with LESS than 1 Year of State WRS Service | |||
| 30-Day | $0.733 | $0.000 | $0.733 |
| 90-Day | $0.396 | $0.000 | $0.396 |
| 125-Day | $0.367 | $0.000 | $0.367 |
| 180-Day | $0.271 | $0.000 | $0.271 |
To calculate your premium, use the .
The Universities of Wisconsin contributes a portion of the premium after you have more than one year of state service and varies based on the elimination period you elect. For Faculty, Academic, and Limited Appointees below is the percent of gross premium the Universities of Wisconsin contributes based on elimination period elected:
- 30-day – 37%
- 90-day – 69%
- 125-day – 76%
- 180-day – 100%
University Staff
Income Continuation Insurance (ICI) premiums for University Staff employees are based on your eligible earnings and your accrued unused sick leave hours (premium category). The more sick leave hours* you retain, the lower your premium.
Your eligible earnings and sick leave balance are evaluated at the end of every calendar year and premiums are adjusted the following February.
Monthly Premiums | ||||
| Premium Category | Sick Leave Hours | EmployEE Rate per $1,000 of Annual Earnings | EmployER Rate per $1,000 of Annual Earnings | Total Rate per $1,000 of Annual Earnings |
| 1 | Less than 184 hours | $0.875 | $0.000 | $0.875 |
| 2 | 184 - 519 hours | $0.657 | $0.000 | $0.657 |
| 3 | 80 hours | $0.156 | $0.317 | $0.473 |
| 4 | 520 - 727 hours | $0.078 | $0.263 | $0.342 |
| 5 | 728 - 1,040 hours | $0.042 | $0.238 | $0.280 |
| 6 | Greater than 1,040 hours | $0.000 | $0.280 | $0.280 |
To calculate your premium, use the .
Premium Category 3 is a special enrollment category. If you have accrued at least 80 hours of unused sick leave during the calendar year as of the last payroll of the year you are eligible for this category (prorated if part-time).
Premium Category 4, 5, and 6 are considered permanent plateau categories. Once you reach a plateau category (hours of unused sick leave as of the last payroll of the calendar year you will not drop to a lower category even if your sick leave balance falls below the category’s threshold.
*University Staff-Temporary employees do not earn sick leave and will always be in Premium Category 1.
The Universities of Wisconsin contributes a portion of the premium after you have more than one year of state service and varies based on your premium category. For University Staff employees below is the percent of gross premium the Universities of Wisconsin contributes:
- Category 1 - 0%
- Category 2 - 0%
- Category 3 - 67%
- Category 4 - 77%
- Category 5 - 85%
- Category 6 - 100%
Effective February 1, 2024 the ICI program changed. The Standard and Supplemental coverage levels were consolidated into one coverage level to simplify the premium rate tables.
Additional Information
The deduction schedule can be accessed on the Payroll web page.
Information on paying premiums while on a leave of absence can be found on the Employment Life Events Leave of Absence web page.
For information on how premiums are deducted to maintain insurance coverage during the summer for employees paid on an academic year (9-month) basis review the Summer Prepay Insurance Premiums web page.
Every effort has been made to ensure this information is current and correct. Information on this page does not guarantee enrollment, benefits and/or the ability to make changes to your benefits.
Updated: 03/13/2025