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Rates and Calculators

Member and Dependent Rates

Each plan year (July 1 through June 30) the health, dental and life coverage rates may change.

Refer to the FY2023 Rates and FY2024 Rates pages for contribution amounts.

Full-time employees can do their own plan comparisons by logging on to There you can compare different health plans, dental options, optional life coverage and/or number of dependents.

Non-IRS Domestic Partner, Civil Union Partner and Children of a Civil Union Partner

Members whose coverage includes a non-IRS domestic partner, civil union partner or child of a civil union partner will be assessed imputed income associated with those dependents. The premiums for these non-IRS dependents are IN ADDITION TO any other health premium the member is currently paying for their IRS dependents.


Members whose coverage under the plan has been terminated are responsible for 102% of the cost of the coverage.

Retiree, Annuitant and Survivor Rates

Contributions are required for individuals who have less than 20 years of service. Specifically, the State will contribute 5 percent of the cost of coverage toward an individual’s health plan election for every eligible year of service worked up to a 100 percent contribution. Retirees, annuitants and survivors who have less than 20 years of service are required to pay 5 percent of the cost of coverage for each year of service less than 20 years upon which their annuity is based (for more information on the criteria used to determine who is responsible for the 5 percent per year contribution, see page 19 of the Retiree, Annuitant and Survivor Benefits​ Handbook).  Retirees, annuitants, and survivors with 20 or more years of creditable service receive premium-free coverage.