The premiums for each of plan can be accessed below.
Benefit premium amounts listed are monthly amounts. Premiums are deducted from twenty four paychecks a calendar year or two paychecks each month (the amount listed in the charts divided by two).
See the Payroll web page for the deduction schedule.
2023 Monthly (without Uniform Dental) | Health Plan | High Deductible Health Plan (HDHP) | Health Plan | |||
|---|---|---|---|---|---|---|
| Individual | Family | Individual | Family | Individual | Family | |
Health Plan & HDHP | $100.00 | $248.00 | $35.00 | $87.00 | $50.00 | $124.00 |
Access Health Plan & Access HDHP | $241.00 | $599.00 | $176.00 | $438.00 | $120.50 | $299.50 |
Access Health Plan & Access HDHP | $154.00 | $387.00 | $89.00 | $226.00 | $77.00 | $193.50 |
Additional Premium Information
Total Premium Information for Employees, Continuants, Retirees without Medicare:
University Staff employees need to complete two months of 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/UW System service. University Staff employees that would like State Group Health 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/UW System service.
Employees covered by the WRS working less than 50% and University Staff Temporary employees with one appointment pay 50% of the total premium.
Reminder: Effective January 1, 2022 crafts workers are eligible for the employer share towards health insurance.
Total Premium Information for Graduate Assistant / Short-Term Academic Staff Employees:
2023 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 | $34.72 | $9.76 | $20.98 |
| Individual + Spouse | $9.00 | $86.80 | $19.52 | $41.96 |
| Individual + Child(ren) | $9.00 | $86.80 | $13.16 | $38.96 |
| Family | $9.00 | $86.80 | $23.40 | $64.28 |
*The UW System contributes toward the premium.
| 2023 Monthly Employee Premiums | |
| Individual | $5.72 |
| Individual + Spouse | $11.42 |
| Individual + Child(ren) | $12.88 |
| Family | $20.58 |
The UW System does not contribute toward the premium.
State Group Life Insurance premiums are based on your highest calendar year of eligible earnings, your age as of April 1st each year and your elected coverage level(s).
| Age as of April 1 | Basic and Supplemental Rate per $1,000 | Additional Rate per $1,000 | Spouse & Dependent Coverage |
|---|---|---|---|
| Under age 40 | $0.05 | $0.07 | One Unit of Coverage: $2.26 for $10,000 Spouse and $5,000 for each child. |
| 40-44 | $0.07 | $0.11 | |
| 45-49 | $0.12 | $0.18 | |
| 50-54 | $0.19 | $0.29 | Two Units of Coverage: |
| 55-59 | $0.27 | $0.40 | |
| 60-64 | $0.36 | $0.55 | |
| 65-69 | $0.47 | $0.69 |
| Age as of April 1 | 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 |
Basic coverage – first unit of coverage
Supplemental coverage – second unit of coverage
Additional coverage – may choose one to three Additional units of coverage
Each unit of coverage is equal to your highest prior calendar year's actual earnings rounded up to the nearest thousand
Note: The UW System 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.
| Age as of April 1 | Basic and Supplemental Rate per $1,000 | Additional Rate per $1,000 | Spouse & Dependent Coverage |
|---|---|---|---|
| Under age 40 | $0.05 | $0.08 | One Unit of Coverage: $2.26 for $10,000 Spouse and $5,000 for each child. |
| 40-44 | $0.08 | $0.11 | |
| 45-49 | $0.13 | $0.19 | |
| 50-54 | $0.20 | $0.31 | Two Units of Coverage: |
| 55-59 | $0.28 | $0.42 | |
| 60-64 | $0.38 | $0.57 | |
| 65-69 | $0.50 | $0.73 |
| Age as of April 1 | 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 |
Basic coverage – first unit of coverage
Supplemental coverage – second unit of coverage
Additional coverage – may choose one to three Additional units of coverage
Each unit of coverage is equal to your highest prior calendar year's actual earnings rounded up to the nearest thousand
Note: The UW System 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.
To calculate premiums use the .
| Age as January 1 | Employee | Spouse / Domestic Partner* | ||||
|---|---|---|---|---|---|---|
| $5,000 | $10,000 | $15,000 | $20,000 | $5,000 | $10,000 | |
| 27 or less | $0.12 | $0.23 | $0.35 | $0.46 | $0.18 | $0.36 |
| 28-30 | 0.13 | 0.25 | 0.38 | 0.50 | 0.20 | 0.40 |
| 31-33 | 0.16 | 0.32 | 0.48 | 0.64 | 0.25 | 0.50 |
| 34-36 | 0.19 | 0.37 | 0.56 | 0.74 | 0.30 | 0.59 |
| 37-39 | 0.23 | 0.45 | 0.68 | 0.90 | 0.36 | 0.72 |
| 40-42 | 0.34 | 0.68 | 1.02 | 1.36 | 0.54 | 1.08 |
| 43-45 | 0.54 | 1.08 | 1.62 | 2.16 | 0.86 | 1.71 |
| 46-48 | 0.65 | 1.30 | 1.95 | 2.60 | 1.04 | 2.07 |
| 49-51 | 0.91 | 1.81 | 2.72 | 3.62 | 1.44 | 2.88 |
| 52-54 | 1.16 | 2.32 | 3.48 | 4.64 | 1.85 | 3.69 |
| 55-57 | 1.62 | 3.23 | 4.85 | 6.46 | 2.57 | 5.13 |
| 58-60 | 2.02 | 4.03 | 6.05 | 8.06 | 3.11 | 6.21 |
| 61-63 | 2.78 | 5.56 | 8.34 | 11.12 | 3.87 | 7.74 |
| 64-66 | 4.00 | 7.99 | 11.99 | 15.98 | 5.40 | 10.80 |
| 67-69 | 5.59 | 11.17 | 16.76 | 22.34 | 7.52 | 15.03 |
| 70-72 | 8.62 | 17.24 | 25.86 | 34.48 | 11.66 | 23.31 |
| 73+ | 12.33 | 24.66 | 36.99 | 49.32 | 16.65 | 33.30 |
| Benefit Amount | Monthly Premium |
|---|---|
| $2,500 | $0.18 |
| $5,000 | $0.35 |
| $7,500 | $0.53 |
| $10,000 | $0.70 |
| $12,500 | $0.88 |
| $15,000 | $1.05 |
| $17,500 | $1.23 |
| $20,000 | $1.40 |
| $22,500 | $1.58 |
| $25,000 | $1.75 |
*Spouse/domestic partner coverage is determined by the employee’s age.
The UW System does not contribute towards the premium.
The level of coverage you are eligible for under the UW Employees, Inc. Life Insurance Plan and your monthly cost, is determined by your age as of January 1st of the current year.
| 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 UW System does not contribute to the premium.
The annual premium for the University Insurance Association life insurance plan is $38.40 and is deducted from January earnings. The UW System does not contribute to the premium.
MONTHLY EMPLOYEE PREMIUMS AND COVERAGE LEVELS (EFFECTIVE JANUARY 1, 2023)
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 UW System 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.
| 2023 Monthly Employee Premiums | |
| Individual | $4.38 |
| Individual + Spouse | $6.26 |
| Individual + Child(ren) | $8.44 |
| Family | $12.32 |
The UW System does not contribute toward the premium.
Use the to calculate your premium.
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.
Premiums for coverage effective 2/1/2023:
The UW System contributes a portion of the premium for the standard portion of the plan. The employer contribution starts after you have more than one year of state service and varies based on the elimination period you elect. For the following elimination periods below is the percent of gross premium the UW System contributes:
- 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. 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.
Premiums for coverage effective 2/1/2023:
Premium Category 4, 5, and 6 are considered permanent plateau categories. Once you reach a plateau category you will not drop to a lower category even if your sick leave balance falls below the category’s threshold.
| Hours | Category |
|---|---|
| 520 hours | Premium Category 4 |
| 728 hours | Premium Category 5 |
| More than 1,040 hours | Premium Category 6 |
*University Staff-Temporary employees do not earn sick leave and will always be in Premium Category 1.
The UW System contributes a portion of the premium for the standard portion of the plan. The employer contribution varies based on the category level you are in which is determined by the amount of sick leave you have accrued. For the following category levels below is the approximate percent of the gross premium the UW System contributes.
- Category 1 – 0%
- Category 2 – 0%
- Category 3 – 67%
- Category 4 – 77%
- Category 5 – 85%
- Category 6 – 100%
For information on paying premiums while on a leave of absence review the Employment Life Events Leave of Absence 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: 03/25/2023