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For retirees under 65, health insurance rates depend on your plan, if you’re working, your original hire date and when you became eligible to retire.

Working retirees under 65 may only be eligible for discounted health insurance rates for one year.

If you're 65 or over, then you're eligible for our Medicare Advantage plan.

Working retirees

Retirees actively working more than .20 FTE at UK

HMO, PPO, Indemnity, EPO and RHP plan 2023-24 rates for working retirees.
Coverage level HMO PPO, Indemnity EPO RHP
Retiree $40 $49 $302 $77
Retiree + children $366 $381 $740 $418
Retiree + spouse $683 $702 $1190 $760
Retiree + family $999 $1021 $1642 $1105

Eligible to retire as of July 1, 2007

2023-24 rates for retirees eligible to retire as of July 1, 2007
Coverage level HMO PPO, Indemnity EPO RHP
Retiree only $100 $114 $476 $158
Retiree + children $599 $622 $1132 $678
Retiree + spouse $1084 $1113 $1811 $1202
Retiree + family $1570 $1603 $2489 $1730

Hired on or after January 1, 2006

2023-24 rates for retirees hired on or after January 1, 2006
Coverage level HMO PPO, Indemnity EPO RHP
Retiree only $1001 $1015 $1377 $1059
Retiree + children $1500 $1523 $2033 $1579
Retiree + spouse $1985 $2014 $2712 $2103
Retiree + family $2471 $2504 $3390 $2631

Hired before January 1, 2006 and eligible to retire after July 1, 2007

Retiree only rates

See additional costs for more people below to add on coverage for more family members.

2023-2024 Retiree only rate if you retired with 15 to 20 years of service
Age at retirement HMO PPO, Indemnity EPO RHP
Younger than 60 $801 $812 $1102 $847
60 or older but younger than 61 $751 $761 $1033 $794
61 or older but younger than 62 $701 $711 $964 $741
62 or older but younger than 63 $651 $660 $895 $688
63 or older but younger than 64 $601 $609 $826 $635
64 or older but younger than 65 $551 $558 $757 $582
2023-2024 Retiree only rate if you retired with 20 to 25 years of service
Age at retirement HMO PPO, Indemnity EPO RHP
Younger than 60 $601 $609 $826 $635
60 or older but younger than 61 $551 $558 $757 $582
61 or older but younger than 62 $501 $508 $689 $530
62 or older but younger than 63 $450 $457 $620 $477
63 or older but younger than 64 $400 $406 $551 $424
64 or older but younger than 65 $350 $355 $482 $371
2023-2024 Retiree only rate if you retired with 25 years of service or more
Age at retirement HMO PPO, Indemnity EPO RHP
Younger than 60 $400 $406 $551 $424
60 or older but younger than 61 $350 $355 $482 $371
61 or older but younger than 62 $300 $305 $413 $318
62 or older but younger than 63 $250 $254 $344 $265
63 or older but younger than 64 $200 $203 $275 $212
64 or older but younger than 65 $150 $152 $207 $159

Additional costs for more people

2023-2024 Hired before January 1, 2006 and eligible to retire after July 1, 2007 additional costs
Add to your single coverage HMO PPO, Indemnity EPO RHP
Children +$499 +$508 +$656 +$520
Spouse +$984 +$999 +$1355 +$1044
Family +$1470 +$1489 +$2013 +$1572