Medical Premium rates for 2025
Medical Premium rates vary year to year. Many of UVM's premium rates also vary by an individual's salary band. Please use the charts below to find your 2025 premium information.
Non-Union Medical Premiums
PPO 1
Body
In PPO 1, an employee pays a percentage of the total premium based on salary band.
Monthly Premium Cost for Employees
| Base Salary | Cost-Share | Employee | Employee + Spouse | Employee + Children | Employee + Family |
|---|
| Less than $22,880 | 3.00% | $41.41 | $82.81 | $86.06 | $119.46 |
| $22,881 to $24,000 | 4.00% | $55.21 | $110.42 | $114.75 | $159.28 |
| $24,001 to $25,000 | 6.00% | $82.81 | $165.62 | $172.13 | $238.91 |
| $25,001 to $32,000 | 8.00% | $110.42 | $220.83 | $229.50 | $318.55 |
| $32,001 to $40,000 | 12.00% | $165.62 | $331.25 | $344.25 | $477.83 |
| $40,001 to $50,000 | 14.40% | $198.75 | $397.50 | $413.10 | $573.40 |
| $50,001 to $60,000 | 16.80% | $231.87 | $463.75 | $481.96 | $668.96 |
| $60,001 to $70,000 | 19.20% | $265.00 | $530.00 | $550.81 | $764.53 |
| $70,001 to $80,000 | 21.60% | $298.12 | $596.25 | $619.66 | $860.09 |
| $80,001 to $90,000 | 24.00% | $331.25 | $662.50 | $688.51 | $955.66 |
| $90,001 to $100,000 | 26.40% | $364.37 | $728.75 | $757.36 | $1,051.22 |
| $100,001 - $110,000 | 28.80% | $397.49 | $795.00 | $826.21 | $1,146.79 |
| $110,001 - $120,000 | 31.20% | $430.62 | $861.24 | $895.06 | $1,242.36 |
| $120,001 - $130,000 | 32.40% | $447.18 | $894.37 | $929.48 | $1,290.14 |
| $130,001 - $140,000 | 33.60% | $463.74 | $927.49 | $963.91 | $1,337.92 |
| $140,001 - $150,000 | 34.80% | $480.31 | $960.62 | $998.34 | $1,385.70 |
| Over $150,001 | 36.00% | $496.87 | $993.74 | $1,032.76 | $1,433.49 |
Total Monthly Premium
| Employee Only | Employee + Spouse | Employee + Children | Employee + Family |
|---|
| $1,380.19 | $2,760.40 | $2,868.78 | $3,747.76 |
PPO 2
Body
Monthly Premium Cost for Employees
In PPO 2, an employee pays a percentage of the total premium based on salary band.
| Base Salary | Cost-Share | Employee | Employee + Spouse | Employee + Children | Employee + Family |
|---|
| Less than $50,000 | 10.50% | $136.64 | $273.28 | $284.01 | $394.20 |
| $50,001 to $80,000 | 15.00% | $194.28 | $388.57 | $403.82 | $560.51 |
| $80,001 to $110,000 | 20.50% | $266.56 | $533.13 | $554.06 | $769.05 |
| Over $110,001 | 25.50% | $331.39 | $662.79 | $688.81 | $956.08 |
Total Monthly Premium
| Employee Only | Employee + Spouse | Employee + Children | Employee + Family |
|---|
| $1,299.03 | $2,598.08 | $2,700.09 | $3,747.76 |
HDHP 1
Body
An employee pays 20% of the premium rates for HDHP 1. UVM and the employee split the cost 80/20 regardless of salary.
Monthly Premium Cost for Employees
| Employee Only | Employee + Spouse | Employee + Children | Employee + Family |
|---|
| $232.60 | $465.20 | $483.47 | $671.06 |
Total Monthly Premium
| Employee Only | Employee + Spouse | Employee + Children | Employee + Family |
|---|
| $1,163.00 | $2,326.02 | $2,417.34 | $3,355.31 |
HDHP 2
Body
An employee pays 20% of the premium rates for HDHP 2. UVM and the employee split the cost 80/20 regardless of salary.
Monthly Premium Cost for Employees
| Employee Only | Employee + Spouse | Employee + Children | Employee + Family |
|---|
| $204.25 | $408.50 | $424.45 | $589.27 |
Total Monthly Premium
| Employee Only | Employee + Spouse | Employee + Children | Employee + Family |
|---|
| $1,021.25 | $2,042.51 | $2,122.71 | $2,946.35 |
Unionized Employees
NEBPA
Body
Monthly Premium Cost for Employees
| Base Salary | Cost-Share | Employee | Employee + Spouse | Employee + Children | Employee + Family |
|---|
| $15.00 to $18.99 | 12.00% | $165.62 | $331.25 | $344.25 | $477.83 |
| $19.00 to $23.99 | 14.40% | $198.75 | $397.50 | $413.10 | $573.40 |
| $24.00 to $28.99 | 16.80% | $231.87 | $463.75 | $481.96 | $668.96 |
| $29.00 to $33.99 | 19.20% | $265.00 | $530.00 | $550.81 | $764.53 |
| $34.00 to $38.99 | 21.60% | $298.12 | $596.25 | $619.66 | $860.09 |
| Over $39.00 | 24.00% | $331.25 | $662.50 | $688.51 | $955.60 |
Total Monthly Premium
| Employee Only | Employee + Spouse | Employee + Children | Employee + Family |
|---|
| $1,380.19 | $2,760.40 | $2,868.78 | $3,981.91 |
United Academics (Full-Time & Part-Time)
Body
Monthly Premium Cost for Employees
| Base Salary | Cost-Share | Employee | Employee + Spouse | Employee + Children | Employee + Family |
|---|
| less than $15,000 | 4.80% | $66.25 | $132.50 | $137.70 | $191.13 |
| $15,001 to $20,000 | 7.20% | $99.37 | $198.75 | $206.55 | $286.70 |
| $20,001 to $30,000 | 9.60% | $132.50 | $265.00 | $275.40 | $382.26 |
| $30,001 to $40,000 | 12.00% | $165.62 | $331.25 | $344.25 | $477.83 |
| $40,001 to $50,000 | 14.40% | $198.75 | $397.50 | $413.10 | $573.40 |
| $50,001 to $60,000 | 16.80% | $231.87 | $463.75 | $481.96 | $668.96 |
| $60,001 to $70,000 | 19.20% | $265.00 | $530.00 | $550.81 | $764.53 |
| $70,001 to $80,000 | 21.60% | $298.12 | $596.25 | $619.66 | $860.09 |
| $80,001 to $90,000 | 24.00% | $331.25 | $662.50 | $688.51 | $955.66 |
| $90,001 to $100,000 | 26.40% | $364.37 | $728.75 | $757.36 | $1,051.22 |
| $100,001 to $110,000 | 28.80% | $397.49 | $795.00 | $826.21 | $1,146.79 |
| $110,001 to $120,000 | 31.20% | $430.62 | $861.24 | $895.06 | $1,242.36 |
| $120,001 to $130,000 | 32.40% | $447.18 | $894.37 | $929.48 | $1,290.14 |
| $130,001 to $140,000 | 33.60% | $463.74 | $927.49 | $963.91 | $1,337.92 |
| $140,001 to $150,000 | 34.80% | $480.31 | $960.62 | $998.34 | $1,385.70 |
| $150,001 to $999,999+ | 36.00% | $496.87 | $993.74 | $1,032.76 | $1,433.49 |
Total Monthly Premium
| Employee Only | Employee + Spouse | Employee + Children | Employee + Family |
|---|
| $1,380.19 | $2,760.40 | $2,868.78 | $3,981.91 |
United Electrical Workers
Body
Monthly Premium Cost for Employees
| Base Salary | Cost-Share | Employee | Employee + Spouse | Employee + Children | Employee + Family |
|---|
| $15.00 to $18.99 | 12.00% | $165.62 | $331.25 | $344.25 | $477.83 |
| $19.00 to $23.99 | 14.40% | $198.75 | $397.50 | $413.10 | $573.40 |
| $24.00 to $28.99 | 16.80% | $231.87 | $463.75 | $481.96 | $668.96 |
| Over $29.00 | 19.20% | $265.00 | $530.00 | $550.81 | $764.53 |
Total Monthly Premium
| Employee Only | Employee + Spouse | Employee + Children | Employee + Family |
|---|
| $1,380.19 | $2,760.40 | $2,868.78 | $3,981.91 |
UVM Staff United
Body
Employee pays a percentage of the total premium based on salary band.
Monthly Premium Cost for Employees
| Base Salary | Cost-Share | Employee | Employee + Spouse | Employee + Children | Employee + Family |
|---|
| Less than $22,880 | 3.00% | $41.41 | $82.81 | $86.06 | $119.46 |
| $22,881 to $24,000 | 4.00% | $55.21 | $110.42 | $114.75 | $159.28 |
| $24,001 to $25,000 | 6.00% | $82.81 | $165.62 | $172.13 | $238.91 |
| $25,001 to $32,000 | 8.00% | $110.42 | $220.83 | $229.50 | $318.55 |
| $32,001 to $40,000 | 12.00% | $165.62 | $331.25 | $344.25 | $477.83 |
| $40,001 to $50,000 | 14.40% | $198.75 | $397.50 | $413.10 | $573.40 |
| $50,001 to $60,000 | 16.80% | $231.87 | $463.75 | $481.96 | $668.96 |
| $60,001 to $70,000 | 19.20% | $265.00 | $530.00 | $550.81 | $764.53 |
| $70,001 to $80,000 | 21.60% | $298.12 | $596.25 | $619.66 | $860.09 |
| $80,001 to $90,000 | 24.00% | $331.25 | $662.50 | $688.51 | $955.66 |
| $90,001 to $100,000 | 26.40% | $364.37 | $728.75 | $757.36 | $1,051.22 |
| $100,001 - $110,000 | 28.80% | $397.49 | $795.00 | $826.21 | $1,146.79 |
| $110,001 - $120,000 | 31.20% | $430.62 | $861.24 | $895.06 | $1,242.36 |
| $120,001 - $130,000 | 32.40% | $447.18 | $894.37 | $929.48 | $1,290.14 |
| $130,001 - $140,000 | 33.60% | $463.74 | $927.49 | $963.91 | $1,337.92 |
| $140,001 - $150,000 | 34.80% | $480.31 | $960.62 | $998.34 | $1,385.70 |
| Over $150,001 | 36.00% | $496.87 | $993.74 | $1,032.76 | $1,433.49 |
Total Monthly Premium
| Employee Only | Employee + Spouse | Employee + Children | Employee + Family |
|---|
| $1,380.19 | $2,760.40 | $2,868.78 | $3,747.76 |