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 employees, Emory has implemented a $50 per person monthly ($25 biweekly per pay period) tobacco use surcharge on medical plan contributions for employees and their spouses who are covered on the Emory medical plan and certify tobacco use, or do not report the completion of a tobacco cessation program within 90 days of the effective enrollment date. When you enroll, you must certify online in Self-Service if you and your spouse have used tobacco within the last 90 days. If you quit using tobacco or complete a cessation program, you need to update your tobacco surcharge status.
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 90 days;
- You and/or your spouse stop using tobacco products;
- You and/or your spouse reports completing a tobacco-cessation program; 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.
“Tobacco user” refers to the use of tobacco products within the past two consecutive months but does not include religious or ceremonial use of tobacco. The term “tobacco products” refers to any tobacco product, including cigarettes, cigars, pipes, all forms of smokeless tobacco, clove cigarettes, and any other smoking devices that use tobacco, such as hookahs, or simulate the use of tobacco, such as electronic cigarettes.