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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.

Working retirees under 65 may only be eligible for discounted health insurance rates for one year.

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 2021-22 rates for working retirees.
Coverage level HMO, PPO, Indemnity EPO RHP
Retiree $35 $248 $49
Retiree + children $335 $654 $355
Retiree + spouse $635 $1060 $661
Retiree + family $934 $1466 $968
HMO, PPO, Indemnity, EPO and RHP plan 2022-23 rates for working retirees.
Coverage level HMO PPO, Indemnity EPO RHP
Retiree $35 $39 $259 $54
Retiree + children $344 $349 $677 $379
Retiree + spouse $649 $658 $1094 $696
Retiree + family $954 $966 $1512 $1015

Eligible to retiree as of July 1, 2007

2021-22 rates for retirees eligible to retire as of July 1, 2007
Coverage level HMO, PPO, Indemnity EPO RHP
Retiree only $88 $392 $110
Retiree + children $547 $1000 $577
Retiree + spouse $1006 $1612 $1046
Retiree + family $1465 $2221 $1516
2022-23 rates for retirees eligible to retire as of July 1, 2007
Coverage level HMO PPO, Indemnity EPO RHP
Retiree only $88 $94 $408 $118
Retiree + children $561 $568 $1034 $614
Retiree + spouse $1027 $1041 $1663 $1099
Retiree + family $1496 $1514 $2290 $1588

Hired on or after January 1, 2006

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

2021-22 rates for retirees hired on or after January 1, 2006
Coverage level HMO, PPO, Indemnity EPO RHP
Retiree only $917 $1221 $939

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

2022-23 rates for retirees hired on or after January 1, 2006
Coverage level HMO PPO, Indemnity EPO RHP
Retiree only $937 $943 $1257 $967

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.

2021-2022 Retiree only rate if you retired with 15 to 20 years of service
Age at retirement HMO, PPO, Indemnity EPO RHP
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
2022-2023 Retiree only rate if you retired with 15 to 20 years of service
Age at retirement HMO PPO, Indemnity EPO RHP
Younger than 60 $750 $754 $1006 $774
60 or older but younger than 61 $703 $707 $943 $725
61 or older but younger than 62 $656 $660 $880 $677
62 or older but younger than 63 $609 $613 $817 $629
63 or older but younger than 64 $562 $566 $754 $580
64 or older but younger than 65 $515 $519 $691 $532
2021-2022 Retiree only rate if you retired with 20 to 25 years of service
Age at retirement HMO, PPO, Indemnity EPO RHP
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
2022-2023 Retiree only rate if you retired with 20 to 25 years of service
Age at retirement HMO PPO, Indemnity EPO RHP
Younger than 60 $562 $566 $754 $580
60 or older but younger than 61 $515 $519 $691 $532
61 or older but younger than 62 $469 $472 $629 $484
62 or older but younger than 63 $422 $424 $566 $435
63 or older but younger than 64 $375 $377 $503 $387
64 or older but younger than 65 $328 $330 $440 $338
2021-2022 Retiree only rate if you retired with 25 years of service or more
Age at retirement HMO, PPO, Indemnity EPO RHP
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
2022-2023 Retiree only rate if you retired with 25 years of service or more
Age at retirement HMO PPO, Indemnity EPO RHP
Younger than 60 $375 $377 $503 $387
60 or older but younger than 61 $328 $330 $440 $338
61 or older but younger than 62 $281 $283 $377 $290
62 or older but younger than 63 $234 $236 $314 $242
63 or older but younger than 64 $187 $189 $251 $193
64 or older but younger than 65 $141 $141 $189 $145

Additional costs for more people

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 coverage HMO, PPO, Indemnity EPO RHP
Children +$459 +$618 +$467
Spouse +$918 +$918 +$936
Family +$1377 +$1829 +$1406
2022-2023 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 coverage HMO PPO, Indemnity EPO RHP
Children +$473 +$474 +$626 +$496
Spouse +$939 +$947 +$1255 +$981
Family +$1408 +$1420 +$1882 +$1470