Benefit Plan Premiums

Health Insurance

2022 Premiums

2022 Monthly Contribution for University and Academic Staff
Regular HMO and PPO Plans High Deductible Health Plans(HDHP)
Single
With Dental
Single
Without Dental
Family
With Dental
Family
Without Dental
Single
With Dental
Single
Without Dental
Family
With Dental
Family
Without Dental
Tier 1 $99.00 $96.00 $246.00 $237.00 $37.00 $34.00 $92.00 $83.00
Tier 3 $260.00 $257.00 $648.00 $639.00 $198.00 $195.00 $494.00 $485.00

2022 Monthly Contribution for UW Graduate Assistants
Single
With Dental
Single
Without Dental
Family
With Dental
Family
Without Dental
Tier 1 $51.00 $48.00 $127.50 $118.50
Tier 3 $131.50 $128.50 $328.50 $319.50

Monthly contributions are subject to each employee group's compensation plan.

All Health Maintenance Organization (HMO) plans are offered at Tier 1 Rates. The Standard Plan is offered at Tier 3 rates. Out-of-state residents whose jobs require them to live out of state are offered the Standard Plan at Tier 2 rates.

2018 Premiums Information

Historical Premiums

Dental Insurance

2022 Dental Wisconsin Insurance — Active Employees
Plan Employee Employee + Spouse Employee + Child(ren) Family
Preferred Provider Plan (PPO) $9.76 $19.52 $13.16 $23.40
Select Plan $20.98 $41.96 $38.96 $64.28

Preventive Dental

2022 Preventive Dental
Plan Rate
Single $34.72
Family $86.80

Historical Premiums

Union Dental Plans

Note: For biweekly payrolls ending July 16, 2011 (check dated July 28, 2011) and monthly payrolls ending July 31, 2011 (check dated August 1, 2011), deductions for union-sponsored insurance plans will be discontinued due to recent legislation. You will need to pay these premiums separately. Please contact your union to coordinate payment for these insurance plans. You can find the last known union dental plan premiums below.

Historical Premiums

Vision Insurance

Premiums are deducted one month in advance of the month of coverage.

2022 Delta Vision Plan Monthly Premiums
Employee Employee + Spouse Employee + Child(ren) Employee + Family
$5.72 $11.42 $12.88 $20.58

Historical Premiums

Life Insurance

Accidental Death & Dismemberment · Accident Insurance · Individual and Family Group Life · State Group Life · University Insurance Association (UIA) · UW Employees, Inc. Life

Life Insurance Premium Comparison Chart

Accidental Death & Dismemberment

Premiums are paid one month in advance of the month of coverage.

AD&D Monthly Premium per Principal Sum Elected
Principal Sum Elected Employee Only Premium Family Plan 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

Historical Premiums


Accident Insurance

Coverage Premium
employee $4.38
spouse $6.26
child $8.44
family $12.32

Historical Premiums


Individual and Family Group Life Insurance

  • Initial Premium Determination: The premium for employee and spouse coverage is determined by the employee's age as of January 1 of the current year (year in which coverage is effective).
  • Annual Premium Review: Premiums are reviewed each year and may change based on the employee's age and coverage amount. The premium for employee and spouse coverage is determined by the employee's age as of January 1 of the plan year. Premium changes, if any, are effective for January coverage. Premiums are deducted one month in advance of coverage.

Premiums are based on the cost per $1000 of coverage. A premium calculator is available to help you determine your exact premium. Child coverage insures all children with the same coverage amount for one monthly premium.

Cost per $1000 of Coverage for Employee and Spouse
Employee Attained Age Employee Spouse
27 or less 0.023 0.036
28 - 30 0.025 0.040
31 - 33 0.032 0.050
34 - 36 0.037 0.059
37 - 39 0.045 0.072
40 - 42 0.068 0.108
43 - 45 0.108 0.162
46 - 48 0.130 0.207
49 - 51 0.181 0.288
52 - 54 0.232 0.369
55 - 57 0.323 0.513
58 - 60 0.403 0.621
67 - 69 1.117 1.503
70 - 72 1.724 2.331
72 - 74 2.466 3.330

Monthly Premium Table for Employee and Spouse Coverage
Employee Attained Age Employee Spouse
$5000 $10,000 $15,000 $20,000 $5000 $10,000
27 or younger $0.12 $0.23 $0.35 $0.46 $0.18 $0.36
28 - 30 $0.13 $0.25 $0.38 $0.50 $0.20 $0.40
31 - 33 $0.16 $0.32 $0.48 $0.64 $0.25 $0.50
34 - 36 $0.19 $0.37 $0.56 $0.74 $0.30 $0.59
37 - 39 $0.23 $0.45 $0.68 $0.90 $0.36 $0.72
40 - 42 $0.34 $0.68 $1.02 $1.36 $0.54 $1.08
43 - 45 $0.54 $1.08 $1.62 $2.16 $0.86 $1.71
46 - 48 $0.65 $1.30 $1.95 $2.60 $1.04 $2.07
49 - 51 $0.91 $1.81 $2.72 $3.62 $1.44 $2.88
52 - 54 $1.16 $2.32 $3.48 $4.64 $1.85 $3.69
55 - 57 $1.62 $3.23 $4.85 $6.46 $2.57 $5.13
58 - 60 $2.02 $4.03 $6.05 $8.06 $3.11 $6.21
61 - 63 $2.78 $5.56 $8.34 $11.12 $3.87 $7.74
64 - 66 $4.00 $7.99 $11.99 $15.98 $5.40 $10.80
67 - 69 $5.59 $11.17 $16.76 $22.34 $7.52 $15.03
70 - 72 $8.62 $17.24 $25.86 $34.48 $11.66 $23.31
72 - 74 $12.33 $24.66 $36.99 $49.32 $16.65 $33.30

Monthly Premium Table for Child Coverage
Amount of Insurance Monthly Premium
$2,500 $0.18
$5,000 $0.35
$7,500 $0.53
$10,000 $0.70

Historical Premiums

State Group Life Insurance

Premiums are deducted one month in advance of the month of coverage. Employee premium rates are based on the employee's age as of April 1 for initial enrollment. The employee's age on April 1 is also used for the annual update. When an active employee reaches age 70, Basic coverage continues at a reduced level without premium, Supplemental coverage ceases and the Additional coverage continues.

Basic/Supplemental/Additional Coverage Monthly Premium Rates
Age As of April 1 Basic and Supplemental
Rate per $1000
Additional
Rate per $1000
Spouse and Dependent Coverage
Under age 30 0.05 0.07

One Unit of Coverage:
$2.26 per $10,000 Spouse/DP and $5000 for each child.

30-34 0.05 0.07
35-39 0.05 0.07
40-44 0.07 0.1
45-49 0.12 0.17
50-54 0.19 0.28

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

55-59 0.25 0.38
60-64 0.35 0.52
65-69 0.45 0.66
70+ 0 See Table Below

Over Age 70 Additional Coverage
Age as of April 1 Rate per $1000
70 1.00
71 1.15
72 1.25
73 1.45
74 1.60
75 1.80
76 1.95
89 2.06
90+ Available upon request

Historical Premiums

University Insurance Association (UIA) Life Insurance

The annual premium is deducted from your October earnings.

University Insurance Association Schedule of Benefits/Coverage Amounts
Age as of Oct 1 Premium Benefit Amount
Under 28 $24.00 $101,000
28 - 29 - 30 $98,100
31 - 32 - 33 $90,900
34 - 35 - 36 $78,900
37 - 38 - 39 $65,000
40 - 41 - 42 $50,900
43 - 44 - 45 $39,100
46 - 47 - 48 $30,000
49 - 50 - 51 $22,600
52 - 53 - 54 $17,200
55 - 56 - 57 $13,100
58 - 59 - 60 $10,300
61 - 62 - 63 $8,200
64 - 65 - 66 $6,100
67 - 68 - 69 $4,500
69 - 70 - 71 $3,400

Historical Premiums

UW Employees, Inc. Life Insurance

Rates for employees are based on the employee's age as of January 1 of the current calendar year. Premium changes based on the employee's calendar year age will take effect on December payrolls for January coverage.

UW Employees, Inc. Monthly Premium Table — Premium and Coverage Amounts
Employee Age Coverage 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

Historical Premiums