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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.

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 2020-21 rates for working retirees.
Coverage levelHMO, PPO, IndemnityEPORHP
Retiree or spouse$33$237$37
Retiree + children$320$599$343
Retiree + spouse$608$995$643
Retiree + family$895$1,384$942
HMO, PPO, Indemnity, EPO and RHP plan 2021-22 rates for working retirees.
Coverage levelHMO, PPO, IndemnityEPORHP
Retiree or spouse$35$248$49
Retiree + children$335$654$355
Retiree + spouse$635$1,060$661
Retiree + family$934$1,466$968

Eligible to retiree as of July 1, 2007

2020-21 rates for retirees eligible to retire as of July 1, 2007
Coverage levelHMO, PPO, IndemnityEPORHP
Retiree only$88$379$95
Retiree + children$500$894$535
Retiree + spouse$919$1469$973
Retiree + family$1334$2027$1405
2021-22 rates for retirees eligible to retire as of July 1, 2007
Coverage levelHMO, PPO, IndemnityEPORHP
Retiree only$88$392$110
Retiree + children$547$1000$577
Retiree + spouse$1006$1612$1046
Retiree + family$1465$2221$1516

Hired on or after January 1, 2006

Retiree only rates

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

2020-21 rates for retirees hired on or after January 1, 2006
Coverage levelHMO, PPO, IndemnityEPORHP
Retiree only$880$1171$887
2021-22 rates for retirees hired on or after January 1, 2006
Coverage levelHMO, PPO, IndemnityEPORHP
Retiree only$917$1221$939

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.

2020-2021 Retiree only rate if you retired with 15 to 20 years of service
Age at retirementHMO, PPO, IndemnityEPORHP
Younger than 60$704$937$710
60 or older but younger than 61$660$878$665
61 or older but younger than 62$616$820$621
62 or older but younger than 63$572$761$577
63 or older but younger than 64$528$703$532
64 or older but younger than 65$484$644$488
2021-2022 Retiree only rate if you retired with 15 to 20 years of service
Age at retirementHMO, PPO, IndemnityEPORHP
Younger than 60$734$977$751
60 or older but younger than 61$688$916$704
61 or older but younger than 62$642$855$657
62 or older but younger than 63$596$794$610
63 or older but younger than 64$550$733$563
64 or older but younger than 65$504$672$516
2020-2021 Retiree only rate if you retired with 20 to 25 years of service
Age at retirementHMO, PPO, IndemnityEPORHP
Younger than 60$528$703$532
60 or older but younger than 61$484$644$488
61 or older but younger than 62$440$586$444
62 or older but younger than 63$396$527$399
63 or older but younger than 64$352$468$355
64 or older but younger than 65$308$410$310
2021-2022 Retiree only rate if you retired with 20 to 25 years of service
Age at retirementHMO, PPO, IndemnityEPORHP
Younger than 60$550$733$563
60 or older but younger than 61$504$672$516
61 or older but younger than 62$459$611$470
62 or older but younger than 63$413$549$423
63 or older but younger than 64$367$488$376
64 or older but younger than 65$321$427$329
2020-2021 Retiree only rate if you retired with 25 years of service or more
Age at retirementHMO, PPO, IndemnityEPORHP
Younger than 60$352$468$355
60 or older but younger than 61$308$410$310
61 or older but younger than 62$264$351$266
62 or older but younger than 63$220$293$222
63 or older but younger than 64$176$234$177
64 or older but younger than 65$132$176$133
2021-2022 Retiree only rate if you retired with 25 years of service or more
Age at retirementHMO, PPO, IndemnityEPORHP
Younger than 60$367$488$376
60 or older but younger than 61$321$427$329
61 or older but younger than 62$275$366$282
62 or older but younger than 63$229$305$235
63 or older but younger than 64$183$244$188
64 or older but younger than 65$138$183$141

Spouses under age 65 with employees age 65 and over

Spouse only rates

2020-2021 Spouse only rate when the employee has Medicare Advantage coverage for employees age 65+
Coverage levelHMO, PPO, IndemnityEPORHP
Spouse only$880$1171$887
2021-2022 Spouse only rate when the employee has Medicare Advantage coverage for employees age 65+
Coverage levelHMO, PPO, IndemnityEPORHP
Spouse only$917$1,221$939

Additional costs for more people

2020-2021 Hired on or after January 1, 2006 or before January 1, 2006 and eligible to retire after July 1, 2007 additional costs
Add to your single coverageHMO, PPO, IndemnityEPORHP
Retiree + children+$439+$542+$467
Retiree + spouse+$880+$1139+$927
Retiree + family+$1321+$1723+$1385
2021-2022 Hired on or after January 1, 2006 or before January 1, 2006 and eligible to retire after July 1, 2007 additional costs
Add to your single coverageHMO, PPO, IndemnityEPORHP
Retiree + children+$459+$618+$467
Retiree + spouse+$918+$918+$936
Retiree + family+$1,377+$1,829+$1,406