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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
HMO, PPO, Indemnity, EPO and RHP plan 2024-25 rates for working retirees.
Coverage level HMO PPO, Indemnity EPO RHP
Retiree $45 $74 $347 $112
Retiree + children
$416
$472
$891
$529
Retiree + spouse
$776
$856
$1,434
$933
Retiree + family
$1,136
$1,238
$1,979
$1,357

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
2024-25 rates for retirees eligible to retire as of July 1, 2007 
Coverage level HMO PPO, Indemnity EPO RHP
Retiree only $119 $164 $552 $224
Retiree + children $687 $773 $1367 $859
Retiree + spouse $1238 $1360 $2186 $1479
Retiree + family $1792 $1947 $3004 $2127

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
2024-25 rates for retirees hired on or after January 1, 2006 
Coverage level HMO PPO, Indemnity EPO RHP
Retiree only $1195 $1240 $1628 $1300
Retiree + children $1763 $1849 $2443 $1935
Retiree + spouse $2314 $2436 $3262 $2555
Retiree + family $2868 $3023 $4080 $3203

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
2024-2025 Retiree only rate if you retired with 15 to 20 years of service
Age at retirement HMO PPO, Indemnity EPO RHP
Younger than 60 $956 $992 $1302 $1040
60 or older but younger than 61 $896 $930 $1221 $975
61 or older but younger than 62 $837 $868 $1140 $910
62 or older but younger than 63 $777 $806 $1058 $845
63 or older but younger than 64 $717 $744 $977 $780
64 or older but younger than 65 $657 $682 $895 $715
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
2024-2025 Retiree only rate if you retired with 20 to 25 years of service
Age at retirement HMO PPO, Indemnity EPO RHP
Younger than 60 $717 $744 $977 $780
60 or older but younger than 61 $657 $682 $895 $715
61 or older but younger than 62 $598 $620 $814 $650
62 or older but younger than 63 $538 $558 $733 $585
63 or older but younger than 64 $478 $496 $651 $520
64 or older but younger than 65 $418 $434 $570 $455
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
2024-2025 Retiree only rate if you retired with 25 years of service or more 
Age at retirement HMO PPO, Indemnity EPO RHP
Younger than 60 $478 $496 $651 $520
60 or older but younger than 61 $418 $434 $570 $455
61 or older but younger than 62 $359 $372 $488 $390
62 or older but younger than 63 $299 $310 $407 $325
63 or older but younger than 64 $239 $248 $326 $260
64 or older but younger than 65 $179 $186 $244 $195

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
2024-2025 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 +$568 +$609 +$815 +$635
Spouse +$1119 +$1196 +$1634 +$1255
Family +$1673 +$1783 +$2452 +$1903

News

April 16, 2024

Annual period for employees to convert temporary disability leave to vacation leave now available through April 30

The annual period for University of Kentucky employees to convert their temporary disability leave (TDL) to additional vacation leave (VL) is now available through April 30.   Employees may request conversion of TDL hours to additional vacation leave through Employee Self Service in myUK. Employees should log into myUK, access Employee Self Service and select Working Time and Leave Requests.