The premiums for each of plan can be accessed below.

The premium amounts listed are monthly amounts.

See the Payroll page for the deduction schedule.

Premium Tier

Health Plan Design
(Employees Covered by the
WRS Benefit Package)

HDHP Plan Design
(Employees Covered by the
WRS Benefit Package)

Health Plan Design
(Employees Covered by the
Graduate Assistant / Short-Term
Academic Staff Benefit Package)

SingleFamilySingleFamilySingleFamily
Tier 1

$85.00$211.00$30.00$74.00$42.50$105.50

Tier 2
(Access Plan – required
to work out of state)

$135.00$339.00$80.00$202.00$67.50$169.50
Tier 3
(Access Plan)
$263.00$656.00$208.00$519.00$131.50$328.00

*Rates reflected above do not include Uniform Dental Insurance. Uniform Dental Insurance premiums are listed under the Dental & Vision Insurance tab.

Additional Premium Information

2019 Total Premium Information* - All Employees, Continuants, Retirees without Medicare

*University Staff employees will 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 (2) 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 who are 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.

 Rates
Single$3
Family$8

Uniform Dental Insurance is only available if you enroll in health insurance under the State Group Health Insurance Program.

 PPO - SelectPPO Plus Premier- Select Plus
Employee$8.55$16.19
Employee + Spouse$17.10$32.38
Employee + Child(ren)$11.54$29.95
Family$20.52$49.38

The UW System does contribute toward the premium.

 Rates
Employee$6.38
Employee + Spouse$12.76
Employee + Child(ren)$14.38
Family$22.98

The UW System does not contribute toward the premium.

Monthly Premiums and Coverage Levels (effective April 1, 2019)
Age as of April 1Basic and Supplemental
Rate per $1,000
Additional
Rate per $1,000
Spouse & Dependent Coverage
Under age 40$0.04$0.06One Unit of Coverage:
$2.50 for $10,000 Spouse
and $5,000 for each child.
40-44$0.06$0.09
45-49$0.11$0.16
50-54$0.17$0.25Two Units of Coverage:
$5.00 for $20,000 Spouse
and $10,000 for each child.
55-59$0.23$0.35
60-64$0.32$0.47
65-69$0.41$0.60
Over Age 70 Additional Coverage (effective April 1, 2019)
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
77-89$2.06
90+Available upon request

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 employer 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.

 

Monthly 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 2, 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 employer 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.

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 Group Term Life insurance coverage you are eligible to elect, and your monthly cost, is determined by your age. Coverage level and premium are based on employee’s age as of January 1st of the current year.

Premiums effective 10/1/2017

Monthly Premiums
and Coverage Levels
Age as of
January 1
Benefit
Amount
Premium
Under 35$33,000$0.75
35 – 39$28,000$0.94
40 – 44$25,000$1.20
45 – 49$18,000$1.50
50 – 54$15,000

$1.80

55 – 59$13,000$2.85
60 – 64$12,000$3.26
65 and over$7,000$2.25

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 October earnings. The UW System does not contribute to the premium.

Eligible employees on a leave of absence are billed for the annual premium of $24.00 by the UW Service Center. Premium must be remitted either through payroll deduction or direct payment by December 1st of the current year or coverage will end as of September 30th of the current year with no option of conversion.

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.

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.

New plan effective January 1, 2020

 Rates
Employee$3.26
Employee + Spouse$4.94
Employee + Child(ren)$7.10
Family$10.46

The UW System does not contribute toward the premium.

Use the premium calculator xlsx to calculate your premium.

Faculty, Academic Staff, and Limited Appointees

Premiums for Faculty, Academic Staff and Limited appointees are based on the waiting period that you choose and your annual salary. You may choose between a 30, 90, 125, or 180 day waiting period. The longer the waiting period, the lower the premium.

You may increase your waiting period at any time. You may only decrease your waiting period by applying using the Medical Evidence of Insurability pdf (acceptance not guaranteed).

Your annual salary is evaluated at the end of every calendar year and premiums are adjusted the following February.

For coverage effective 2/1/2019:

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

Premiums for University Staff employees are based on the amount of sick leave hours that you have accumulated at end of the year and your annual salary. The more sick leave hours you retain, the lower your premium. Sick leave balances and your annual salary are evaluated at the end of every calendar year and premiums are adjusted the following February.

University Staff Temporary employees will always be in Premium Category 1 since they do not earn sick leave.

For coverage effective 2/1/2019:

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 at the end of any calendar year)
HoursCategory
520 hoursPremium Category 4
728 hoursPremium Category 5
More than 1,040 hoursPremium Category 6

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%

Updated: 11/26/2019

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.