Premium Comparison
Premium contributions are based on your annual base salary (all employees as of September 30, 2023). Your premium contribution amount is effective January 1 of the plan year, and will remain constant for the entire year, regardless of salary increases, decreases, position changes, or job transfers throughout the year. Also, appointments of irregular duration will be adjusted as deemed appropriate when the appointment is updated.
The premiums shown below are examples based on the exact salaries shown. Your premiums will be based on your specific annual base salary. You may use the Health care Premium Calculator to better estimate your premiums.
Additionally, brand new hires to the University will have benefit elections pro-rated based upon their hire date. If you have a current employee experiencing a job change, or an IRS qualifying lift event that causes your existing coverage to change in the middle of a pay period, the regular per pay benefit deductions will occur for the full pay period in which benefit elections or changes were made.
Dually-Employed Spouses at Penn State
Employees and dependents cannot be enrolled in TWO Penn State health, dental, and/or vision plans.
For health care coverage only, the higher-paid employee should elect coverage if enrolling as two-person or family per the guidelines below:
- Faculty/Staff - If enrolling as two-person or family, higher-paid employee must elect coverage; lower-paid employee must waive coverage in Workday.
- Technical Service – If BOTH employee and spouse are Technical Service and are enrolling as two-person or family, higher-paid employee must elect coverage; lower-paid employee must waive coverage in Workday.
- Does not apply if one spouse is faculty/staff and other is Technical Service. Either employee can choose to carry the two-person or family coverage.
- Each employee and spouse may enroll as “Individual” level coverage if not covering each other.
- If your spouse is covered as a Postdoctoral appointee, or through student insurance, the above rules do not apply.
Faculty & Staff employees
| Coverage | Salary % | $30,000 | $40,000 | $50,000 | $60,000 | $75,000 | $85,000 | $100,000 | $140,000 | $160,000 | $180,000 | $200,000 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Individual | 0.80% | $20.00 | $26.67 | $33.33 | $40.00 | $50.00 | $56.67 | $66.67 | $93.33 | $106.67 | $120.00 | $133.33 |
| Two-Person | 1.93% | $48.25 | $64.33 | $80.42 | $96.50 | $120.63 | $136.71 | $160.83 | $225.17 | $257.33 | $289.50 | $321.67 |
| Parent/Child(ren) | 1.79% | $44.75 | $59.67 | $74.58 | $89.50 | $111.88 | $126.79 | $149.17 | $208.83 | $238.67 | $268.50 | $298.33 |
| Family | 2.46% | $61.50 | $82.00 | $102.50 | $123.00 | $153.75 | $174.25 | $205.00 | $287.00 | $328.00 | $369.00 | $410.00 |
| Coverage | Salary % | $30,000 | $40,000 | $50,000 | $60,000 | $75,000 | $85,000 | $100,000 | $140,000 | $160,000 | $180,000 | $200,000 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Individual | 1.54% | $38.50 | $51.33 | $64.17 | $77.00 | $96.25 | $109.08 | $128.33 | $179.67 | $205.33 | $231.00 | $256.67 |
| Two-Person | 3.76% | $94.00 | $125.33 | $156.67 | $188.00 | $235.00 | $266.33 | $313.33 | $438.67 | $501.33 | $564.00 | $626.67 |
| Parent/Child(ren) | 3.49% | $87.25 | $116.33 | $145.42 | $174.50 | $218.13 | $247.21 | $290.83 | $407.17 | $465.33 | $523.50 | $581.67 |
| Family | 4.79% | $119.75 | $159.67 | $199.58 | $239.50 | $299.38 | $339.29 | $399.17 | $558.83 | $638.67 | $718.50 | $798.33 |
Technical Service employees
| Coverage | Salary % | $30,000 | $40,000 | $50,000 | $60,000 | $75,000 |
|---|---|---|---|---|---|---|
| Individual | 1.45% | $16.73 | $22.31 | $27.88 | $33.46 | $41.83 |
| Two-Person | 3.14% | $36.23 | $48.31 | $60.38 | $72.46 | $90.58 |
| Parent/Child(ren) | 2.93% | $33.81 | $45.08 | $56.35 | $67.62 | $84.52 |
| Family | 3.94% | $45.46 | $60.62 | $75.77 | $90.92 | $113.65 |
| Coverage | Salary % | $30,000 | $40,000 | $50,000 | $60,000 | $75,000 |
|---|---|---|---|---|---|---|
| Individual | 2.97% | $34.27 | $45.69 | $57.12 | $68.54 | $85.67 |
| Two-Person | 6.40% | $73.85 | $98.46 | $123.08 | $147.69 | $184.62 |
| Parent/Child(ren) | 5.98% | $69.00 | $92.00 | $115.00 | $138.00 | $172.50 |
| Family | 8.03% | $92.65 | $122.54 | $154.42 | $185.31 | $231.63 |