The premiums for each of plan can be accessed below. Premium amounts listed are monthly amounts.

See the Payroll webpage for the deduction schedule.

 

2020 Monthly Employee Premiums

Health Plan
(WRS benefit package)

High Deductible Health Plan (HDHP)
(WRS benefit package)

Health Plan
(non-WRS Graduate Assistant / Short-Term Academic Staff benefit package)

 SingleFamilySingleFamilySingleFamily

Health Plan & HDHP
(excludes Access Plans)

$89.00$222.00$31.00$78.00$44.50$111.00

Access Health Plan & Access HDHP

$269.00$670.00$211.00$526.00$134.50$335.00

Access Health Plan & Access HDHP
(if required to work outside of WI)

$143.00$358.00$85.00$214.00$71.50$179.00

 

2021 Monthly Employee Premiums

Health Plan
(WRS benefit package)

High Deductible Health Plan (HDHP)
(WRS benefit package)

Health Plan
(non-WRS Graduate Assistant / Short-Term Academic Staff benefit package)

 SingleFamilySingleFamilySingleFamily

Health Plan & HDHP
(excludes Access Plans)

$92.00$229.00$32.00$80.00$46.00$114.50

Access Health Plan & Access HDHP

$251.00$623.00$191.00$474.00$125.50$311.50

Access Health Plan & Access HDHP
(if required to work outside of WI)

$146.00$367.00$86.00$218.00$73.00$183.50

Note: Rates reflected above exclude Uniform Dental. Uniform Dental premiums are in the Dental Insurance section below.

Additional Premium Information

2020 Total Premium Information* - All Employees, Continuants, Retirees without Medicare

2021 Total Premium Information* - All 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, they 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.

*Crafts workers must pay 100% of the total premium for health insurance.

2020 Total Premium Information - Graduate Assistant / Short-Term Academic Staff employees

2021 Total Premium Information - Graduate Assistant / Short-Term Academic Staff employees

2021

Employee Premiums

Uniform Dental*
(only eligible if also enrolled in State Group Health)

Preventive Dental (only eligible if not enrolled in State Group Health)

Supplemental Dental - PPO Select

Supplemental Dental - PPO Plus Premier Select Plus
Employee$4.00$30.20$9.28$16.82
Employee + Spouse$9.00$75.50$18.56$33.64
Employee + Child(ren)$9.00$75.50$12.52$31.12
Family$9.00$75.50$22.28$51.30

*The UW System contributes toward the premium.

Employee Monthly Premiums20202021
Employee    $6.38    $5.72
Employee + Spouse   $12.76   $11.42
Employee + Child(ren)   $14.38   $12.88
Family   $22.98   $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).

Monthly Employee Premiums and Coverage Levels (effective April 1, 2020)
Age as of April 1Basic and Supplemental
Rate per $1,000
Additional
Rate per $1,000
Spouse & Dependent Coverage
Under age 40$0.04$0.07One Unit of Coverage:
$2.26 for $10,000 Spouse
and $5,000 for each child.
40-44$0.07$0.10
45-49$0.11$0.17
50-54$0.18$0.26Two Units of Coverage:
$4.52 for $20,000 Spouse
and $10,000 for each child.
55-59$0.24$0.36
60-64$0.33$0.50
65-69$0.43$0.63
Over Age 70 Additional Coverage (effective April 1, 2020)
Age as of April 1Rate 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.

 

Monthly Employee Premiums and Coverage Levels (effective April 1, 2021)
Age as of April 1Basic 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$0.10
45-49$0.12$0.17
50-54$0.19$0.28

Two Units of Coverage:
$4.52 for $20,000 Spouse
and $10,000 for each child.

 
55-59$0.25$0.38
60-64$0.35$0.52
65-69$0.45$0.66
Over Age 70 Additional Coverage (effective April 1, 2021)
Age as of April 1Rate 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 Individual & Family Life Insurance Premium Calculator xlsx .

Monthly Premiums and Coverage Levels
Age as January 1EmployeeSpouse / 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
28-300.130.250.380.500.200.40
31-330.160.320.480.640.250.50
34-360.190.370.560.740.300.59
37-390.230.450.680.900.360.72
40-420.340.681.021.360.541.08
43-450.541.081.622.160.861.71
46-480.651.301.952.601.042.07
49-510.911.812.723.621.442.88
52-541.162.323.484.641.853.69
55-571.623.234.856.462.575.13
58-602.024.036.058.063.116.21
61-632.785.568.3411.123.877.74
64-664.007.9911.9915.985.4010.80
67-695.5911.1716.7622.347.5215.03
70-728.6217.2425.8634.4811.6623.31
73+12.3324.6636.9949.3216.6533.30
Child Coverage
Benefit AmountMonthly 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.

2021 Employee Premiums

Monthly 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 UW System does not contribute to the premium.

The annual premium for the University Insurance Association life insurance plan is $24.00 and is deducted from December earnings. The UW System does not contribute to the premium.

MONTHLY PREMIUMS AND COVERAGE LEVELS

Coverage Level      

Single Coverage
Monthly Premium

Family Coverage
Monthly Premium
$25,000$0.73$1.10
$50,000$1.45$2.20
$100,000$2.90$4.40
$150,000$4.35$6.60
$200,000$5.80$8.80
$250,000$7.25$11.00
$300,000$8.70$13.20
$350,000$10.15$15.40
$400,000$11.60$17.60
$450,000$13.05$19.80
$500,000$14.50$22.00

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.

 

Employee Monthly Premiums20202021
Employee       $3.26      $4.38
Employee + Spouse       $4.94      $6.26
Employee + Child(ren)       $7.10      $8.44
Family     $10.46    $12.32

The UW System does not contribute toward the premium.

Use the Income Continuation Insurance (ICI) Premium Calculator xlsx to calculate your premium.

Faculty, Academic Staff, and Limited Appointees

Income Continuation Insurance (ICI) premiums for Faculty, Academic Staff and Limited appointees are based your 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 2/1/2021:

The UW System contributes a portion of the premium for the standard portion of the plan. The  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 2/1/2021:

Premium Category 4, 5, and 6 are considered permanent plateau categories. Once you reach a plateau category you will never drop to a lower category even if your sick leave balance falls below the category’s threshold.

Permanent Premium Plateaus
(Hours of unused sick leave as of the last payroll of the calendar year)
HoursCategory
520 hoursPremium Category 4
728 hoursPremium Category 5
More than 1,040 hoursPremium 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 earned. 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: 02/16/2021