Health Plan Contribution Comparison

Premium contributions are based on your annual base salary as of September 30, 2024, with ARL employees based upon your annual base salary as of October 1, 2024. The 2025 rate is reflected in the Benefits Open Enrollment area of Workday, which you will see when you are making elections for the next year. Your 2025 premium contribution amount is effective January 1, 2025, and will remain constant for the entire year, regardless of salary increases, decreases, position changes, or job transfers throughout the year. Also, appointments of irregular duration will be adjusted as deemed appropriate when the appointment is updated.

The premiums shown below are examples based on the exact salaries shown. Your premiums will be based on your specific annual base salary. You may use the Health Care Contribution Calculator to better estimate your 2025 contributions.

Dually-Employed Spouses at Penn State

Employees and dependents cannot be enrolled in TWO Penn State health, dental, and/or vision plans.

For health care coverage only, the higher-paid employee should elect coverage if enrolling as two-person or family per the guidelines below:

• Faculty/Staff - If enrolling as two-person or family, higher-paid employee must elect coverage; lower-paid employee must waive coverage in Workday.
• Technical Service – If BOTH employee and spouse are Technical Service and are enrolling as two-person or family, higher-paid employee must elect coverage; lower-paid employee must waive coverage in Workday.
• Does not apply if one spouse is faculty/staff and other is Technical Service. Either employee can choose to carry the two-person or family coverage.
• Each employee and spouse may enroll as “Individual” level coverage if not covering each other.
• If your spouse is covered as a Postdoctoral appointee, or through student insurance, the above rules do not apply.