Rates for retirees under 65
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. For the 2025-26 fiscal year, UK will no longer offer the EPO and RHP plans. If you are a member of one these plans, you can still use UK's PPO health insurance plan. UK retail pharmacies is also now the exclusive pharmacy for HMO members. For more information about the UK health, dental and vision insurance plans available to you, please register for our webinar happening April 30 from 10-11 a.m. Register here.
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
| 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
|
| Coverage level | HMO | PPO, Indemnity |
|---|---|---|
| Retiree | $55 | $99 |
| Retiree + children | $408 | $560 |
| Retiree + spouse | $768 | $1,198 |
| Retiree + family | $1,128 | $1,685 |
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 |
| Coverage level | HMO | PPO, Indemnity |
|---|---|---|
| Retiree only | $1,223 | $1,291 |
| Retiree + children | $1,895 | $1,996 |
| Retiree + spouse | $2,811 | $2,972 |
| Retiree + family | $3,488 | $3,720 |
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.
| 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 |
| Age at retirement | HMO | PPO, Indemnity |
|---|---|---|
| Younger than 60 | $978 | $1,033 |
| 60 or older but younger than 61 | $917 | $968 |
| 61 or older but younger that 62 | $856 | $904 |
| 62 or older but younger than 63 | $795 | $839 |
| 63 or older but younger than 64 | $734 | $775 |
| 64 or older but younger than 65 | $673 | $710 |
| 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 |
| Age at retirement | HMO | PPO, Indemnity |
|---|---|---|
| Younger than 60 | $734 | $775 |
| 60 or older but younger than 61 | $673 | $710 |
| 61 or older but younger that 62 | $612 | $646 |
| 62 or older but younger than 63 | $550 | $581 |
| 63 or older but younger than 64 | $489 | $516 |
| 64 or older but younger than 65 | $428 | $452 |
| 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 |
| Age at retirement | HMO | PPO, Indemnity |
|---|---|---|
| Younger than 60 | $489 | $516 |
| 60 or older but younger than 61 | $428 | $452 |
| 61 or older but younger that 62 | $367 | $387 |
| 62 or older but younger than 63 | $306 | $323 |
| 63 or older but younger than 64 | $245 | $258 |
| 64 or older but younger than 65 | $183 | $194 |
Additional costs for more people
| 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 |
| Add to your single coverage | HMO | PPO, Indemnity |
|---|---|---|
| Children | +$672 | +$705 |
| Spouse | +$1,588 | +$1,681 |
| Family | +$2,265 | +$2,429 |