2026 Insurance Premiums

Below you will find your 2026 employee contribution rates for our various benefits.

Medical - Per Pay Period

	Value HDHP 2500	Standard PPO 1500	Enhanced PPO 750
Employee Only	$65.00	$159.50	$246.50
Employee + Spouse	$219.50	$538.00	$831.50
Employee + Child(ren)	$172.50	$421.50	$650.50
Family	$302.50	$742.00	$1,146.00

Dental - Per Pay Period

	Low Plan	High Plan
Employee Only	$16.90	$20.81
Employee + Spouse	$33.74	$41.89
Employee + Child(ren)	$41.08	$50.16
Family	$63.24	$75.45

Vision - Per Pay Period

	Vision Plan
Employee Only	$3.36
Employee + Spouse	$6.73
Employee + Child(ren)	$7.95
Family	$12.17

Voluntary Life Rates

Age	Rate per $1,000
Under 25	$0.065
25 – 29	$0.065
30 – 34	$0.082
35 – 39	$0.092
40 – 44	$0.183
45 – 49	$0.283
50 – 54	$0.430
55 – 59	$0.672
60 – 64	$1.152
65 – 69	$1.921
70 – 74	$3.722
75+	$3.722

Voluntary AD&D Rates

	Rate per $1,000
Employee Only	$0.0200
Spouse Only	$0.0200
Children Only	$0.0200
55 – 59	$0.672

STD Per Pay Rates Per Elected Amount

Sample annual salary	Core weekly benefit	Buy-Up weekly benefit	Employee cost
$20,000	$192.00	$38.77	$0.65
$27,000	$260.00	$51.54	$0.86
$34,000	$327.00	$65.31	$1.09
$41,000	$394.00	$79.08	$1.32
$48,000	$462.00	$91.85	$1.53
$55,000	$529.00	$105.62	$1.76
$62,000	$596.00	$119.38	$1.99
$69,000	$663.00	$133.15	$2.22
$76,000	$731.00	$145.92	$2.43
$83,000	$798.00	$159.69	$2.66
$90,000	$865.00	$173.46	$2.89
$97,000	$933.00	$186.23	$3.10
$104,000	$1,000.00	$200.00	$3.33

LTD Rates

Age	Rate per $100 of Covered Salary
Under 25	$0.064
25 – 29	$0.090
30 – 34	$0.109
35 – 39	$0.154
40 – 44	$0.262
45 – 49	$0.448
50 – 54	$0.691
55 – 59	$0.768
60 – 64	$0.493
65+	$0.493

Accident Insurance Rates

Accident Insurance	Per Pay
Employee	$2.54
Employee + Spouse	$4.55
Employee + Child(ren)	$6.30
Employee + Family	$8.30

Hospital Indemnity Insurance Rates

	Low Plan Per Pay	High Plan Per Pay
Employee Only	$3.83	$7.50
Employee + Spouse	$7.70	$15.04
Employee + Child(ren)	$6.17	$12.05
Family	$10.03	$19.60

Critical Illness Insurance Rates

Per Pay Rates Non-Tobacco — $5,000

Attained Age	Employee	Employee & Spouse	Employee & Child(ren)	Employee & Family
0 – 24	$0.90	$1.55	$1.40	$2.05
25 – 29	$0.95	$1.60	$1.45	$2.10
30 – 34	$1.05	$1.75	$1.55	$2.25
35 – 39	$1.25	$2.05	$1.75	$2.55
40 – 44	$1.50	$2.45	$2.00	$2.95
45 – 49	$1.90	$3.00	$2.40	$3.55
50 – 54	$2.35	$3.80	$2.90	$4.30
55 – 59	$3.05	$4.85	$3.55	$5.40
60 – 64	$3.85	$6.10	$4.35	$6.65
65 – 69	$4.75	$7.55	$5.25	$8.05
70 – 74	$6.10	$9.60	$6.60	$10.10
75 – 79	$7.75	$12.05	$8.25	$12.55
80 – 84	$10.15	$15.60	$10.65	$16.10
85+	$12.40	$19.00	$12.90	$19.55

Per Pay Rates Tobacco — $5,000

Attained Age	Employee	Employee & Spouse	Employee & Child(ren)	Employee & Family
0 – 24	$1.00	$1.65	$1.50	$2.15
25 – 29	$1.05	$1.80	$1.60	$2.30
30 – 34	$1.25	$2.05	$1.75	$2.55
35 – 39	$1.65	$2.65	$2.15	$3.15
40 – 44	$2.20	$3.45	$2.70	$3.95
45 – 49	$2.90	$4.50	$3.40	$5.00
50 – 54	$3.80	$5.90	$4.30	$6.40
55 – 59	$5.05	$7.90	$5.55	$8.40
60 – 64	$6.45	$10.15	$7.00	$10.65
65 – 69	$8.10	$12.65	$8.60	$13.15
70 – 74	$10.45	$16.25	$10.95	$16.75
75 – 79	$13.10	$20.20	$13.60	$20.75
80 – 84	$16.80	$25.80	$17.30	$26.30
85+	$20.20	$30.85	$20.70	$31.40

Per Pay Rates Non-Tobacco — $10,000

Attained Age	Employee	Employee & Spouse	Employee & Child(ren)	Employee & Family
0 – 24	$1.80	$3.10	$2.80	$4.10
25 – 29	$1.90	$3.20	$2.90	$4.20
30 – 34	$2.10	$3.50	$3.10	$4.50
35 – 39	$2.50	$4.10	$3.50	$5.10
40 – 44	$3.00	$4.90	$4.00	$5.90
45 – 49	$3.80	$6.00	$4.80	$7.10
50 – 54	$4.70	$7.60	$5.80	$8.60
55 – 59	$6.10	$9.70	$7.10	$10.80
60 – 64	$7.70	$12.20	$8.70	$13.30
65 – 69	$9.50	$15.10	$10.50	$16.10
70 – 74	$12.20	$19.20	$13.20	$20.20
75 – 79	$15.50	$24.10	$16.50	$25.10
80 – 84	$20.30	$31.20	$21.30	$32.20
85+	$24.80	$38.00	$25.80	$39.10

Per Pay Rates Tobacco — $10,000

Attained Age	Employee	Employee & Spouse	Employee & Child(ren)	Employee & Family
0 – 24	$2.00	$3.30	$3.00	$4.30
25 – 29	$2.10	$3.60	$3.20	$4.60
30 – 34	$2.50	$4.10	$3.50	$5.10
35 – 39	$3.30	$5.30	$4.30	$6.30
40 – 44	$4.40	$6.90	$5.40	$7.90
45 – 49	$5.80	$9.00	$6.80	$10.00
50 – 54	$7.60	$11.80	$8.60	$12.80
55 – 59	$10.10	$15.80	$11.10	$16.80
60 – 64	$12.90	$20.30	$14.00	$21.30
65 – 69	$16.20	$25.30	$17.20	$26.30
70 – 74	$20.90	$32.50	$21.90	$33.50
75 – 79	$26.20	$40.40	$27.20	$41.50
80 – 84	$33.60	$51.60	$34.60	$52.60
85+	$67.08	$107.69	$68.18	$108.77

Per Pay Rates Non-Tobacco — $25,000

Attained Age	Employee	Employee & Spouse	Employee & Child(ren)	Employee & Family
0 – 24	$4.50	$7.75	$7.00	$10.25
25 – 29	$4.75	$8.00	$7.25	$10.50
30 – 34	$5.25	$8.75	$7.75	$11.25
35 – 39	$6.25	$10.25	$8.75	$12.75
40 – 44	$7.50	$12.25	$10.00	$14.75
45 – 49	$9.50	$15.00	$12.00	$17.75
50 – 54	$11.75	$19.00	$14.50	$21.50
55 – 59	$15.25	$24.25	$17.75	$27.00
60 – 64	$19.25	$30.50	$21.75	$33.25
65 – 69	$23.75	$37.75	$26.25	$40.25
70 – 74	$30.50	$48.00	$33.00	$50.50
75 – 79	$38.75	$60.25	$41.25	$62.75
80 – 84	$50.75	$78.00	$53.25	$80.50
85+	$62.00	$95.00	$64.50	$97.75

Per Pay Rates Tobacco — $25,000

Attained Age	Employee	Employee & Spouse	Employee & Child(ren)	Employee & Family
0 – 24	$5.00	$8.25	$7.50	$10.75
25 – 29	$5.25	$9.00	$8.00	$11.50
30 – 34	$6.25	$10.25	$8.75	$12.75
35 – 39	$8.25	$13.25	$10.75	$15.75
40 – 44	$11.00	$17.25	$13.50	$19.75
45 – 49	$14.50	$22.50	$17.00	$25.00
50 – 54	$19.00	$29.50	$21.50	$32.00
55 – 59	$25.25	$39.50	$27.75	$42.00
60 – 64	$32.25	$50.75	$35.00	$52.35
65 – 69	$40.50	$63.25	$43.00	$65.75
70 – 74	$52.25	$81.25	$54.75	$83.75
75 – 79	$65.50	$101.00	$68.00	$103.75
80 – 84	$84.00	$129.00	$86.50	$131.50
85+	$101.00	$154.25	$103.50	$157.00

LegalShield + IDShield - Per Pay Period

Plan	Individual Coverage	Family Coverage
IDShield only	$4.98	$9.98
LegalShield only	$9.48	$9.48
LegalShield + IDShield	$14.45	$17.38

LegalShield legal plans cover the member; member’s spouse; never married dependent children under 26 living at home; dependent children under 18 for whom the member is the legal guardian; never married dependent children up to age 26 if a full-time college student; or physically or mentally disabled dependent children.

IDShield plans are available at individual or family rates. A family plan provides monitoring services for up to ten (10) eligible dependent children under the age of 18 of the Named Member or Named Member's spouse or domestic partner. It also provides consultation and restoration services for dependent children ages 18 to 26.