Medical Plan Rates
Medical plan rates for 2025 are provided in the charts below.
The rates do not include the monthly $50 per person tobacco use surcharge. More details provided below.
New Structure for Medical Plan Rates
In 2025, Emory introduced a new approach for medical plan rates, where the amount you pay will be higher or lower depending on how much you are paid. The reason for this is because the cost of the medical plan is more of an employee’s income if they are lower paid, and we want to ensure all our employees have access to affordable health care.
There are three salary-based rate bands to determine employee contributions:
| SALARY-BASED RATE BAND 1 | < $28.84 hourly/$60,000 annually* |
| SALARY-BASED RATE BAND 2 | $28.84 to $48.07 hourly/$60,000 to $100,000 annually* |
| SALARY-BASED RATE BAND 3 | > $48.07 hourly/$100,000 annually* |
* annual salary based on someone who works 40 hours per week | |
Medical Plan Rates - Full time
| Aetna HSA Plan | Aetna POS Plan | Kaiser Permanente Plan | ||||
|---|---|---|---|---|---|---|
| Monthly | Biweekly | Monthly | Biweekly | Monthly | Biweekly | |
| SALARY-BASED RATE BAND 1:< $28.84 hourly/$60,000 annually* | ||||||
| Employee Only | $40.00 | $20.00 | $67.00 | $33.50 | $56.00 | $28.00 |
| Employee + child(ren) | $137.00 | $68.50 | $220.00 | $110.00 | $186.00 | $93.00 |
| Employee + spouse | $226.00 | $113.00 | $336.00 | $168.00 | $282.00 | $141.00 |
| Family | $311.00 | $155.50 | $473.00 | $236.50 | $397.00 | $198.50 |
| SALARY-BASED RATE BAND 2: $28.84 to $48.07 hourly/$60,000 to $100,000 annually* | ||||||
| Employee Only | $44.00 | $22.00 | $75.00 | $37.50 | $62.00 | $31.00 |
| Employee + child(ren) | $153.00 | $76.50 | $246.00 | $123.00 | $208.00 | $104.00 |
| Employee + spouse | $252.00 | $126.00 | $375.00 | $187.50 | $315.00 | $157.50 |
| Family | $347.00 | $173.50 | $527.00 | $263.50 | $443.00 | $221.50 |
| SALARY-BASED RATE BAND 3: > $48.07 hourly/$100,000 annually* | ||||||
| Employee Only | $52.00 | $26.00 | $87.00 | $43.50 | $73.00 | $36.50 |
| Employee + child(ren) | $179.00 | $89.50 | $288.00 | $144.00 | $243.00 | $121.50 |
| Employee + spouse | $295.00 | $147.50 | $439.00 | $219.50 | $368.00 | $184.00 |
| Family | $407.00 | $203.50 | $617.00 | $308.50 | $518.00 | $259.00 |
Medical Plan Rates - Part Time
| Aetna HSA Plan | Aetna POS Plan | Kaiser Permanente Plan | ||||
|---|---|---|---|---|---|---|
| Monthly | Biweekly | Monthly | Biweekly | Monthly | Biweekly | |
| SALARY-BASED RATE BAND 1:< $28.84 hourly/$60,000 annually* | ||||||
| Employee Only | $49.00 | $24.50 | $84.00 | $42.00 | $69.00 | $34.50 |
| Employee + child(ren) | $171.00 | $85.50 | $276.00 | $138.00 | $233.00 | $116.50 |
| Employee + spouse | $282.00 | $141.00 | $420.00 | $210.00 | $353.00 | $176.50 |
| Family | $389.00 | $194.50 | $591.00 | $295.50 | $496.00 | $249.00 |
| SALARY-BASED RATE BAND 2: $28.84 to $48.07 hourly/$60,000 to $100,000 annually* | ||||||
| Employee Only | $55.00 | $27.50 | $93.00 | $46.50 | $77.00 | $38.50 |
| Employee + child(ren) | $191.00 | $95.50 | $307.00 | $153.50 | $259.00 | $129.50 |
| Employee + spouse | $315.00 | $157.50 | $468.00 | $234.00 | $393.00 | $196.50 |
| Family | $434.00 | $217.00 | $659.00 | $329.50 | $553.00 | $276.50 |
| SALARY-BASED RATE BAND 3: > $48.07 hourly/$100,000 annually* | ||||||
| Employee Only | $65.00 | $32.50 | $109.00 | $54.50 | $91.00 | $45.50 |
| Employee + child(ren) | $223.00 | $111.50 | $360.00 | $180.00 | $304.00 | $152.00 |
| Employee + spouse | $368.00 | $184.50 | $548.00 | $274.50 | $460.00 | $230.00 |
| Family | $508.00 | $254.00 | $771.00 | $385.50 | $647.00 | $323.50 |
Tobacco Use Surcharge
To support the health and well-being of our faculty and staff, Emory has implemented a $50 per person monthly tobacco use surcharge on medical plan contributions for employees and their spouses who are covered on the Emory medical plan and use tobacco products.
When you enroll, you must certify online in Self-Service whether or not you and your spouse have used tobacco within the last 60 days. The per person tobacco use surcharge will be waived if:
- You certify that you and/or your spouse have not used tobacco within the last 60 days; OR
- A physician is currently treating you for a medical condition such as nicotine addiction. In this case, you and your physician will need to complete and return the Tobacco Cessation Physician Affidavit form to the Benefits Department.