Retiree Health Care Rates

2025 health care plan rates for non-Medicare eligible retirees

January 1–December 31, 2025

The below chart details premium rates for non-medicare eligible retirees. You can use the empty columns to help calculate your monthly premium. If you’re over the age of 65, reference our Medicare Plans page for more information.

University Health Care Plans	Total Monthly Premium	Less University Monthly Contribution	Retiree Monthly Share
Single
YOUR PPO Plan	$940.42
YOUR PPO Plan—Lower OOPM (for salary bands less than $71,000 only)	$948.28
YOUR HSA-Eligible Plan	$786.48
YOUR HSA-Eligible Plan—Lower OOPM (for salary bands less than $71,000 only)	$795.15
Retiree and spouse/Domestic Partner
YOUR PPO Plan	$2,068.88
YOUR PPO Plan—Lower OOPM (for salary bands less than $71,000 only)	$2,086.14
YOUR HSA-Eligible Plan	$1,730.23
YOUR HSA-Eligible Plan—Lower OOPM (for salary bands less than $71,000 only)	$1,749.28
Retiree and Child(ren)
YOUR PPO Plan	$1,692.68
YOUR PPO Plan—Lower OOPM (for salary bands less than $71,000 only)	$1,706.83
YOUR HSA-Eligible Plan	$1,415.60
YOUR HSA-Eligible Plan—Lower OOPM (for salary bands less than $71,000 only)	$1,431.22
Family
YOUR PPO Plan	$2,821.10
YOUR PPO Plan—Lower OOPM (for salary bands less than $71,000 only)	$2,844.65
YOUR HSA-Eligible Plan	$2,359.30
YOUR HSA-Eligible Plan—Lower OOPM (for salary bands less than $71,000 only)	$2,385.34

To calculate your total monthly rate, divide the University’s annual contribution amount by twelve months and then subtract that amount from the total monthly health plan premium.

For example: Your annual contribution is $120. Your monthly UR plan premium is $100.

$120 annual contribution / 12 months = $10 a month contribution $100 monthly premium – $10 monthly contribution = $90 monthly”

University Dental Plans	Monthly Rates
University Dental Plans	Single	Family
Traditional Dental Plan	$34.56	$66.50
Medallion Dental Plan	$44.99	$86.59

University of Rochester contribution reference for non-Medicare eligible retirees

Legacy 4R Retiree (Hired before 1/1/1996) University Subsidy
Single (U65)	$1,200
Family (U65)	$2,400
Surviving Spouse (U65)	Access to plans only

Retirees Hired after 1/1/1996 University Subsidy
Single (U65)	$1,200
Family (U65)	$1,200
Surviving Spouse (U65)	Access to plans only

Note: Subsidies listed are annual amounts.

Contributions will be reduced for those that retired with part-time eligibility.

For “split” families (one spouse over 65/one spouse under 65) contributions may differ.

Please contact retireebenefits@ur.rochester.edu for assistance.

Please visit rochester.edu/totalrewards and click on Retiree Benefits for information on Medicare eligible subsidy amounts.

2026 health care plan rates for non-Medicare eligible retirees

January 1–December 31, 2026

University Health Care Plans	Total Monthly Premium	Less University Monthly Contribution	Retiree Monthly Share
Single
YOUR PPO Plan	$1,075.50
YOUR PPO Plan—Lower OOPM (for salary bands less than $72,400 only)	$1,084.48
YOUR HSA-Eligible Plan	$899.44
YOUR HSA-Eligible Plan—Lower OOPM (for salary bands less than $72,400 only)	$909.36
Retiree and spouse/Domestic Partner
YOUR PPO Plan	$2,366.04
YOUR PPO Plan—Lower OOPM (for salary bands less than $72,400 only)	$2,385.78
YOUR HSA-Eligible Plan	$1,978.75
YOUR HSA-Eligible Plan—Lower OOPM (for salary bands less than $72,400 only)	$2,000.53
Retiree and Child(ren)
YOUR PPO Plan	$1,935.80
YOUR PPO Plan—Lower OOPM (for salary bands less than $72,400 only)	$1,951.99
YOUR HSA-Eligible Plan	$1,618.93
YOUR HSA-Eligible Plan—Lower OOPM (for salary bands less than $72,400 only)	$1,636.79
Family
YOUR PPO Plan	$3,226.30
YOUR PPO Plan—Lower OOPM (for salary bands less than $72,400 only)	$3,253.24
YOUR HSA-Eligible Plan	$2,698.17
YOUR HSA-Eligible Plan—Lower OOPM (for salary bands less than $72,400 only)	$2,727.95

To calculate your total monthly rate, divide the University’s annual contribution amount by twelve months and then subtract that amount from the total monthly health plan premium.

For example: Your annual contribution is $120. Your monthly UR plan premium is $100.

$120 annual contribution / 12 months = $10 a month contribution $100 monthly premium – $10 monthly contribution = $90 monthly”

University Dental Plans	Monthly Rates
University Dental Plans	Single	Family
Traditional Dental Plan	$35.83	$68.94
Medallion Dental Plan	$46.64	$89.76

University of Rochester contribution reference for non-Medicare eligible retirees

Legacy 4R Retiree (Hired before 1/1/1996) University Subsidy
Single (U65)	$1,200
Family (U65)	$2,400
Surviving Spouse (U65)	Access to plans only

Retirees Hired after 1/1/1996 University Subsidy
Single (U65)	$1,200
Family (U65)	$1,200
Surviving Spouse (U65)	Access to plans only

Note: Subsidies listed are annual amounts.

Contributions will be reduced for those that retired with part-time eligibility.

For “split” families (one spouse over 65/one spouse under 65) contributions may differ.

Please contact retireebenefits@ur.rochester.edu for assistance.

Please visit rochester.edu/totalrewards and click on Retiree Benefits for information on Medicare eligible subsidy amounts.

Visit our dental plans page for full details and rate information.

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2025 health care plan rates for non-Medicare eligible retirees

January 1–December 31, 2025

University of Rochester contribution reference for non-Medicare eligible retirees

2026 health care plan rates for non-Medicare eligible retirees

January 1–December 31, 2026

University of Rochester contribution reference for non-Medicare eligible retirees

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