Employee Costs
What you pay from each paycheck depends on the plan you choose, who you cover, and whether you earned the wellness credit.
You pay for your benefits through paycheck deductions. Rates below are effective January 1 – December 31, 2026, and are shown both bi-weekly and weekly — use the column that matches your pay schedule.
Medical rates are the same for the National, Local Indiana and Local Texas plans. Where you work determines which plans you can choose, but not what they cost.
Jump to: Medical | Dental | Vision | Accident & hospital | Critical illness | Legal & ID theft | Voluntary life
Coming January 1, 2027
Medical and prescription drug premiums go up about 3.5% on January 1, 2027. Dental, vision and voluntary benefit rates are not changing. The rates on this page are for 2026. See the 2027 medical rates.
Earn the wellness credit for lower medical rates
Complete a free preventive wellness exam by September 30 each year to pay the lower Wellness rate for medical coverage the following year. The difference is about $35 bi-weekly for employee-only coverage. See how the wellness credit works.
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Medical and prescription drug
Prescription drug coverage through Rightway is included in your medical premium.
Compare the medical plans.
| Coverage | Wellness bi-weekly | Non-wellness bi-weekly | Wellness weekly | Non-wellness weekly |
|---|---|---|---|---|
| CDHP $3,500 | ||||
| Employee only | $35.89 | $70.51 | $17.95 | $35.25 |
| Employee + spouse | $73.46 | $142.69 | $36.73 | $71.35 |
| Employee + child(ren) | $64.54 | $99.15 | $32.27 | $49.58 |
| Employee + family | $103.80 | $173.03 | $51.90 | $86.51 |
| CDHP $2,000 | ||||
| Employee only | $66.29 | $100.91 | $33.15 | $50.45 |
| Employee + spouse | $135.79 | $205.02 | $67.89 | $102.51 |
| Employee + child(ren) | $120.78 | $155.40 | $60.39 | $77.70 |
| Employee + family | $193.49 | $262.72 | $96.74 | $131.36 |
| PPO $850 | ||||
| Employee only | $126.30 | $160.92 | $63.15 | $80.46 |
| Employee + spouse | $258.82 | $328.05 | $129.41 | $164.03 |
| Employee + child(ren) | $231.81 | $266.43 | $115.91 | $133.21 |
| Employee + family | $370.52 | $439.75 | $185.26 | $219.88 |
Dental (Delta Dental)
| Coverage | Low plan bi-weekly | High plan bi-weekly | Low plan weekly | High plan weekly |
|---|---|---|---|---|
| Employee only | $10.74 | $12.96 | $5.37 | $6.48 |
| Employee + spouse | $22.41 | $26.68 | $11.20 | $13.34 |
| Employee + child(ren) | $26.96 | $38.71 | $13.48 | $19.36 |
| Employee + family | $41.69 | $56.93 | $20.85 | $28.46 |
Vision (VSP or XP Health)
| Coverage | VSP bi-weekly | XP Health bi-weekly | VSP weekly | XP Health weekly |
|---|---|---|---|---|
| Employee only | $3.46 | $3.30 | $1.73 | $1.65 |
| Employee + spouse | $5.19 | $4.96 | $2.59 | $2.48 |
| Employee + child(ren) | $5.47 | $5.29 | $2.74 | $2.64 |
| Employee + family | $8.66 | $8.26 | $4.33 | $4.13 |
Accident and hospital indemnity insurance (Unum)
| Coverage | Bi-weekly | Weekly |
|---|---|---|
| Accident | ||
| Employee only | $2.07 | $1.03 |
| Employee + spouse | $4.36 | $2.18 |
| Employee + child(ren) | $5.39 | $2.70 |
| Employee + family | $7.68 | $3.84 |
| Hospital indemnity | ||
| Employee only | $5.45 | $2.73 |
| Employee + spouse | $16.06 | $8.03 |
| Employee + child(ren) | $11.00 | $5.50 |
| Employee + family | $21.61 | $10.80 |
Critical illness insurance (Unum)
Rates are based on age and apply to the employee or spouse being covered.
Learn about critical illness coverage.
| Benefit | Under 30 | 30–39 | 40–49 | 50–59 | 60–64 | 65–69 | 70–74 | 75+ |
|---|---|---|---|---|---|---|---|---|
| $10,000 bi-weekly | $0.60 | $1.15 | $2.72 | $9.05 | $13.25 | $19.85 | $30.55 | $42.51 |
| $20,000 bi-weekly | $1.20 | $2.31 | $5.45 | $18.09 | $26.49 | $39.69 | $61.11 | $85.02 |
| $10,000 weekly | $0.30 | $0.58 | $1.36 | $4.52 | $6.62 | $9.92 | $15.28 | $21.25 |
| $20,000 weekly | $0.60 | $1.15 | $2.72 | $9.05 | $13.25 | $19.85 | $30.55 | $42.51 |
Legal and identity theft protection
Legal coverage is through MetLife Legal Plans and identity theft protection is through Aura (formerly Identity Guard).
Learn what each plan covers.
| Coverage | Bi-weekly | Weekly |
|---|---|---|
| Legal | ||
| Employee only | $9.69 | $4.85 |
| Identity theft | ||
| Employee only | $3.92 | $1.96 |
| Employee + family | $7.62 | $3.81 |
Voluntary life and AD&D insurance (Unum)
Rates are per $1,000 of coverage and based on age. To estimate your cost, divide your coverage amount by 1,000 and multiply by the rate for your age.
Learn about life and AD&D coverage.
| Age (employee or spouse) | Bi-weekly per $1,000 | Weekly per $1,000 |
|---|---|---|
| Under 25 | $0.040 | $0.020 |
| 25–29 | $0.040 | $0.020 |
| 30–34 | $0.051 | $0.025 |
| 35–39 | $0.056 | $0.028 |
| 40–44 | $0.074 | $0.037 |
| 45–49 | $0.110 | $0.055 |
| 50–54 | $0.190 | $0.095 |
| 55–59 | $0.312 | $0.156 |
| 60–64 | $0.490 | $0.245 |
| 65–69 | $0.744 | $0.372 |
| 70–74 | $1.232 | $0.616 |
| 75+ | $1.952 | $0.976 |
| Child(ren) | $0.032 | $0.016 |
You must buy voluntary life coverage for yourself to buy it for your spouse or child(ren).