Compare the costs of the plans
2026 medical plan monthly premiums
Your monthly premium is determined by your selected plan and level of coverage, as well as your annual base salary at the time of payroll processing. Contributions are deducted before taxes.
NOTE: The total monthly premium listed is the total of your contribution AND IU's contribution towards your premium.
| Coverage level | Below $40,300 | $40,300 to $70,399 | $70,400 to $99,999 | $100,000 to $149,999 | $150,000 to $199,999 | $200,000 to $249,999 | $250,000 and above | Total Monthly Premium |
|---|---|---|---|---|---|---|---|---|
| Employee only | $48.54 | $64.94 | $84.52 | $106.47 | $129.23 | $157.39 | $182.66 | $520.80 |
| Employee & child(ren) | $87.35 | $116.90 | $152.14 | $191.73 | $232.61 | $283.29 | $328.78 | $996.57 |
| Employee & spouse | $167.21 | $223.72 | $291.17 | $366.77 | $445.21 | $542.18 | $629.25 | $1,387.33 |
| Family | $201.90 | $270.18 | $351.60 | $442.88 | $537.62 | $654.72 | $759.84 | $1,570.90 |
| Coverage level | Below $40,300 | $40,300 to $70,399 | $70,400 to $99,999 | $100,000 to $149,999 | $150,000 to $199,999 | $200,000 to $249,999 | $250,000 and above | Total Monthly Premium |
|---|---|---|---|---|---|---|---|---|
| Employee only | $170.33 | $205.86 | $266.60 | $318.34 | $372.01 | $427.71 | $485.45 | $1,246.89 |
| Employee & child(ren) | $306.58 | $370.57 | $479.89 | $573.02 | $669.62 | $769.87 | $873.83 | $2,368.98 |
| Employee & spouse | $586.78 | $709.23 | $918.48 | $1,096.72 | $1,281.57 | $1,473.46 | $1,672.46 | $3,304.58 |
| Family | $708.55 | $856.39 | $1,109.10 | $1,324.28 | $1,547.55 | $1,779.26 | $2,019.55 | $3,740.99 |
*Important Notes:
- The tobacco-free premium reduction will no longer be offered in 2026. Keep this in mind when calculating or comparing premiums.
- Faculty members appointed as 10-month academic employees who do not receive pay in the summer will have their medical plan premiums brought up to date when they return in August.
- Dually employed IU and IU Health physicians: For School of Medicine faculty who are dually employed by IU and IU Health or the VA, the annual base salary includes both the IU base salary and IU Health compensation, as determined by the School of Medicine.
2026 dental plan monthly premiums
Your monthly premium is determined by your level of coverage and your annual base salary at the time of payroll processing. Contributions are deducted before taxes. The total monthly premium listed is the total of your contribution and IU's contribution towards your premium.
| Coverage level | Below $40,300 | $40,300 to $70,399 | $70,400 and above | Total Monthly Premium |
|---|---|---|---|---|
| Employee-only | $8.88 | $11.14 | $13.24 | $41.86 |
| Employee and child(ren) | $16.00 | $20.09 | $23.81 | $75.39 |
| Employee and spouse | $20.87 | $26.22 | $31.06 | $98.34 |
| Family | $30.42 | $38.22 | $45.30 | $143.43 |
*Important Notes:
- Faculty members appointed as 10-month academic employees who do not receive pay in the summer will have their dental plan premiums brought up to date when they return in August.
- Dually employed IU and IU Health physicians: For School of Medicine faculty who are dually employed by IU and IU Health or the VA, the annual base salary includes both the IU base salary and IU Health compensation, as determined by the School of Medicine.
Supplemental AD&D monthly premiums
Your monthly premium for supplemental AD&D insurance is deducted through pre-tax payroll deductions.
| Benefit amount | Monthly cost for employee only coverage | Monthly cost for employee and family coverage* |
|---|---|---|
| $30,000 | $0.42 | $0.72 |
| $60,000 | $0.84 | $1.44 |
| $90,000 | $1.26 | $2.16 |
| $120,000 | $1.68 | $2.88 |
| $180,000 | $2.52 | $4.32 |
| $240,000 | $3.36 | $5.76 |
| $300,000 | $4.20 | $7.20 |
| $350,000 | $4.90 | $8.40 |
| $400,000 | $5.60 | $9.60 |
| $450,000 | $6.30 | $10.80 |
| $500,000 | $7.00 | $12.00 |
*If family coverage is purchased, each family member’s coverage is a percentage of the benefit amount selected.
Critical illness insurance monthly premiums
Your monthly premium for critical illness insurance is deducted through after-tax payroll deductions.
| Benefit amount | Employee age 18-29 | Age 30 - 39 | Age 40 - 49 | Age 50 - 59 | Age 60 - 69 | Age 70+ |
|---|---|---|---|---|---|---|
| $10,000 | $2.10 | $3.00 | $5.70 | $11.40 | $20.70 | $52.10 |
| $20,000 | $4.20 | $6.00 | $11.40 | $22.80 | $41.40 | $104.20 |
| $30,000 | $6.30 | $9.00 | $17.10 | $34.20 | $62.10 | $156.30 |
| $40,000 | $8.40 | $12.00 | $22.80 | $45.60 | $82.80 | $208.40 |
| $50,000 | $10.50 | $15.00 | $28.50 | $57.00 | $103.50 | $260.50 |
| Benefit amount | Employee age 18-29 | Age 30 - 39 | Age 40 - 49 | Age 50 - 59 | Age 60 - 69 | Age 70+ |
|---|---|---|---|---|---|---|
| $5,000 | $1.05 | $1.50 | $2.85 | $5.70 | $10.35 | $26.05 |
| $10,000 | $2.10 | $3.00 | $5.70 | $11.40 | $20.70 | $52.10 |
| $15,000 | $3.15 | $4.50 | $8.55 | $17.10 | $31.05 | $78.15 |
| $20,000 | $4.20 | $6.00 | $11.40 | $22.80 | $41.40 | $104.20 |
| $25,000 | $5.25 | $7.50 | $14.25 | $28.50 | $51.75 | $130.25 |
*Eligible children through age 25 are automatically covered at 50% of the employee's benefit amount for no additional cost.
**Premiums for spouse coverage are calculated based on the employee's age.
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