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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

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 or spouse only$88$379$95
Retiree + children$500$894$535
Retiree + spouse$919$1469$973
Retiree + family$1334$2027$1405

Hired on or after January 1, 2006

Retiree or spouse 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 or spouse only$880$1171$887

Hired before January 1, 2006 and eligible to retire after July 1, 2007

Retiree or spouse only rates

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

Retiree or spouse 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
Retiree or spouse 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
Retiree or spouse 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

Additional costs for more people

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