2025 Benefits Plan Rates

View Your 2025 Benefit Plan Rates

Each benefit plan has its own rate structure. Your individual monthly plan rates are available on Wolverine Access:

  1. Go to Wolverine Access
  2. Select the Employee Self-Service tile
  3. Select the Benefits tile
  4. Click the Display Benefit Plan Rates tile. Current rates will be displayed at the top; scroll down to view your 2025 rates.

Health Plan Rates

Health plan rates for faculty and staff vary depending on the plan and coverage level you select and your annual salary. Use the Health Plan Rate Estimator if you do not have a uniqname or if you want to see how an appointment or salary change might impact your monthly rates.

Retiree Health Plan Rates

The amount retirees pay and the amount the university pays toward retiree health benefits varies based on hire date, age, retirement date, years of service, eligibility for Medicare, coverage level, and the health plan selected.

You can view your individual 2025 monthly rates online through Wolverine Access. Alternatively, you may review the charts below and the charts printed in your retiree Open Enrollment book that will be mailed to your home address on file at the end of September.

The following rates are effective Jan. 1, 2025 - Dec. 31, 2025.

2025 Retiree Health Plan Rate Charts by Date of Service and Retirement Date

  • If you retired before January 1, 1987, refer to chart A. 
  • If you are retired and your date of service is on or after July 1, 1988, and you are under age 62, refer to chart B.
  • If your service date is before July 1, 1988 and you are any age, or if your service date is on or after July 1, 1988 and you are age 62 or older, refer to the rate chart based on when you retired:
    • If you retired on or after January 1, 1987 and before January 1, 2000, refer to chart C.
    • If you retired on or after January 1, 2000 and before January 1, 2013, refer to chart D.
    • If you retired on or after January 1, 2013 and before January 1, 2015, refer to chart E. 
    • If you retired on or after January 1, 2015 and before January 1, 2017, refer to chart F. 
    • If you retired on or after January 1, 2017 and before January 1, 2019, refer to chart G. 
    • If you retired on or after January 1, 2019, refer to chart H. 

Retired on or after January 1, 2021: 2025 Retiree Health Plan Rate Charts by Years of Service

  • More than 10 years of service but less than 12 years of service and either your date of service is before July 1, 1988 and you are any age, or your date of service is on or after July 1, 1988 and you are age 62 or older, refer to chart I.
  • More than 12 years of service but less than 14 years of service and either your date of service is before July 1, 1988 and you are any age, or your date of service is on or after July 1, 1988 and you are age 62 or older, refer to chart J. 
  • More than 14 years of service but less than 16 years of service and either your date of service is before July 1, 1988 and you are any age, or your date of service is on or after July 1, 1988 and you are age 62 or older, refer to chart K. 
  • More than 16 years of service but less than 18 years of service and either your date of service is before July 1, 1988 and you are any age, or your date of service is on or after July 1, 1988 and you are age 62 or older, refer to chart L.
  • More than 18 years of service but less than 20 years of service and either your date of service is before July 1, 1988 and you are any age, or your date of service is on or after July 1, 1988 and you are age 62 or older, refer to chart M. 
  • 20 years of service or more and either your date of service is before July 1, 1988 and you are any age, or your date of service is on or after July 1, 1988 and you are age 62 or older, refer to chart N. 
  • If you retire on or after January 1, 2023 with more than 10 years of service but less than 12 years of service and your date of service is on or after January 1, 2013 and you are age 62 or older, refer to chart O. 
  • If you retire on or after January 1, 2023 with more than 12 years of service but less than 14 years of service, your date of service is on or after January 1, 2013 and you are age 62 or older, refer to chart P. 

Dental Plan Rates

For the following groups, you do not pay anything when you and your eligible dependents enroll in Option 1. The university pays the full cost. The university shares a portion of the cost if you enroll in Option 2 or Option 3.

  • Faculty and staff members
  • Retirees who retired before January 1, 1987
  • Retirees who were hired before July 1, 1988 and are any age
  • Retirees hired on or after July 1, 1988 and are age 62 and older
  • GEO members
  • GSRAs
  • Benefits-eligible fellowship holders
Dental Plan Rates
Dental Plan Option Coverage Level 2024 Monthly Rate 2025 Monthly Rate 2024 University Monthly Contribution  2025 University Monthly Contribution
Option 1 You Only $0 $0 $23.08 $27
Option 1 You and Child $0 $0 $46.16 $54
Option 1 You and Adult $0 $0 $46.16 $54
Option 1 You and Adult and Children $0 $0 $73.64 $86.14
Option 1 You and Children $0 $0 $73.64 $86.14
Option 2 You Only $15.44 $18 $23.08 $27
Option 2 You and Child $30.88 $36 $46.16 $54
Option 2 You and Adult $30.88 $36 $46.16 $54
Option 2 You and Adult and Children $46.16 $53.82 $73.64 $86.14
Option 2 You and Children $46.16 $53.82 $73.64 $86.14
Option 3 You Only $22.54 $25.38 $23.08 $27
Option 3 You and Child $45.08 $50.76 $46.16 $54
Option 3 You and Adult $45.08 $50.76 $46.16 $54
Option 3 You and Adult and Children $68.24 $76.78 $73.64 $86.14
Option 3 You and Children $68.24 $76.78 $73.64 $86.14

No University Contribution for Dental Coverage

The following groups have access to dental coverage but pay the full cost. There is no university contribution.

  • Medical School students
  • Leave of Absence
  • Reduction in Force
  • Retirees hired on or after July 1, 1988 who are under age 62 pay the full cost of benefits until they reach age 62.
Dental Plan Rates with No University Contribution
Dental Plan Option Coverage Level 2024 Monthly Rate 2025 Monthly Rate
Option 1 You Only $23.08 $27
Option 1 You and Child $46.16 $54
Option 1 You and Adult $46.16 $54
Option 1 You and Adult and Children $73.64 $86.14
Option 1 You and Children $73.64 $86.14
Option 2 You Only $38.52 $45
Option 2 You and Child $77.04 $90
Option 2 You and Adult $77.04 $90
Option 2 You and Adult and Children $119.80 $139.96
Option 2 You and Children $119.80 $139.96
Option 3 You Only $45.62 $52.38
Option 3 You and Child $91.24 $104.76
Option 3 You and Adult $91.24 $104.76
Option 3 You and Adult and Children $141.88 $162.92
Option 3 You and Children $141.88 $162.92

COBRA Dental Plan Rates

COBRA participants pay the full cost for dental coverage plus a 2 percent administration fee. 

Monthly COBRA Rates for Dental Plan
Dental Plan Option Coverage Level 2024 Total COBRA Premium 2025 Total COBRA Premium
Option 1 You Only $23.54 $27.54
Option 1 You and Adult $47.08 $55.08
Option 1 You and Adult and Children $75.11 $87.86
Option 1 You and Child $47.08 $55.08
Option 1 You and Children $75.11 $87.86
Option 2 You Only $39.29 $53.43
Option 2 You and Adult $78.58 $91.80
Option 2 You and Adult and Children $122.20 $142.76
Option 2 You and Child $78.58 $91.80
Option 2 You and Children $122.20 $142.76
Option 3 You Only $46.53 $53.43
Option 3 You and Adult $93.06 $106.86
Option 3 You and Adult and Children $144.72 $166.18
Option 3 You and Child $93.06 $106.86
Option 3 You and Children $144.72 $166.18

Vision Plan Rates

2025 monthly rates:

  • $6.94 for you only ($7.08 for COBRA)
  • $10.84 for you plus one dependent ($11.06 for COBRA)
  • $18.08 for you plus two or more dependents ($18.44 for COBRA)

Legal Plan Rates

2025 monthly rates:

  • $8.34 for you only
  • $13.34 for you plus one or more dependents