Premiums + Deductibles - OFFICE OF GROUP INSURANCE

You and your employee share in the cost of your medical and dental coverages. Consult your HR office to confirm your agency’s payroll schedule. How much you pay depends on which plan you choose, how many family members are enrolled, and how many hours per week you work.

FY2025 Premium PDFs

FY25 Monthly Medical & Dental Premiums (Plan year July 1, 2024 – June 30, 2025)
FY25 Bi-Weekly Medical & Dental Premiums (Plan year July 1, 2024 – June 30, 2025)

FY2024 Premium PDFs

FY24 Monthly Medical & Dental Premiums
FY24 Bi-Weekly Medical & Dental Premiums

FY2025 Monthly Rates for Full-Time Employees (30-40 hours per week)
Employer Pays Medical (No HSA): $1,068.82
Employer Pays Medical (HSA Single): $1,027.16 and $41.66 HSA Contribution
Employer Pays Medical (HSA Family): $985.50 and $83.32 HSA Contribution
Employer Pays Dental: $14.50

Coverage Tier	PPO	Traditional	High Deductible	Dental
Employee Only	$65.00	$90.00	$0.00	$11.82
E + Spouse	$197.60	$279.00	$47.94	$37.88
E + Child	$112.00	$155.18	$16.54	$36.76
E + Children	$177.02	$249.68	$40.50	$73.16
E + Spouse + Child	$242.18	$342.56	$64.06	$62.80
E + Spouse + Children	$324.48	$459.84	$93.82	$107.04

FY2025 Monthly Medical/Dental Rates for Part-Time Employees (20-29.9 hours per week)
Employer Pays Medical: $855.06
Employer Pays Medical (HSA Single): $813.40 and $41.66 HSA Contribution
Employer Pays Medical (HSA Family): $771.74 and $83.32 HSA Contribution
Employer Pays Dental: $11.60

Coverage Tier	PPO	Traditional	High Deductible	Dental
Employee Only	$150.26	$208.06	$33.54	$13.48
E + Spouse	$456.80	$644.98	$144.36	$43.20
E + Child	$258.90	$358.72	$71.78	$41.92
E + Children	$409.22	$577.18	$127.16	$83.44
E + Spouse + Child	$559.84	$791.90	$181.62	$71.62
E + Spouse + Children	$750.10	$1,063.00	$250.42	$122.08

Deductibles

You and your family members will pay all the costs for most services up to the amount of the deductible before the plan pays. Some services may be covered prior to meeting the deductible, but require a copayment or coinsurance. Refer the Summary of Benefits & Coverage and Plan Documents on the Medical page for more details. For Dental deductibles, refer to the Dental page.

FY25 Medical Plan Comparison & Plan Contracts

Feature Name	PPO In-Network	PPO Out-of-Network	Traditional	High Deductible
Deductible - Individual	$350	$600	$500	$2000
Deductible - Family	$950	$1,700	$1,400	$4,000
Out-of-Pocket Limit - Individual	$3,250	$6,500	$4,350	In Network: $5,000 Out-of-Network: $6,500
Out-of-Pocket Limit -Family	$6,750	$13,500	$8,700	In Network: $10,000 Out-of-Network: $13,000
Plan Payment (% of allowable charges after deductible)	$20 copay, $40 Specialist copay / 80%	60%	70%	In Network: 80% Out-of-Network: 60%
Wellness/Preventive Care	No copay for listed services	60%	100%	In Network: 100% Out-of-Network: 50% after deductible

Are your premiums deducted pre-tax or post-tax?

When enrolling in the medical/dental plan, most agencies who participate in the state health plan, have the option to select premiums deductions on a pre-tax or post-tax basis. These plans are also referred to as a Premium-Only Plans (POP). Pre-Tax premiums would be deducted before federal, state, or Social Security/Medicare taxes are withheld, which would also lower your taxable income. Post-tax premiums would be deducted after the aforementioned taxes are deducted. Check with your HR office to see if your agency allows for these options.

After initial enrollment, you may change your POP election only during the annual Open Enrollment period.