Rates Calculator

  • Use the rates tools to find out how much you pay for your insurance premiums.

    • Health and Dental rates
    • Optional Insurance rates
    • Voluntary AD&D rates
    • Disability rates

    Calculators do not determine eligibility.

  • Select Year & Benefit Type
    Plan Year
    Benefit Type
    v
    Select Plan
    Coverage Level
    Optional Life & Dependent Life
    Enter Salary and Date of Birth
    *This calculator only applies if you are an employee and under age 70
    If you are over age 69 or retired, contact ERS.
    Gross Monthly Salary
    Date of Birth
    Voluntary AD&D
    Enter Coverage Amount
    *Enter $10,000 to $200,000 in $5,000 increments. Amounts decrease after age 70.
    Coverage Amount
    Disability
    Enter Gross Monthly Salary
    Gross Monthly Salary
    Add Tobacco User Premium
    Select Tobacco User(s)
    You must certify yourself and your dependent(s) as tobacco users or non-users. You will pay a Tobacco User Premium of $30 per month for each person in your household who uses tobacco or fails to certify (up to a household maximum of $90 per month).
    Tobacco Users
    Select all applicable covered individuals who use tobacco or are not certified.
    Your Benefits Estimate
    *Calculators do not determine coverage eligibility.
    Next
  • Note: If you are on leave without pay, the State does not contribute to the cost of your health insurance. Contact your agency for details.

    Note: If you are adjunct faculty at a participating institution, the State does not contribute to the cost of your health insurance. Contact your Human Resources department for details.

    For insurance premiums on Medicare Advantage health plans, please refer to the Medicare Health Premium Rates at the top of this page.

  • Rate Sheets