2026 Medical insurance premiums

Medical premiums are deducted pre-tax from your pay semi-monthly, except for premiums for domestic partners and their children, which are deducted after-tax.

The amount you save as a LifeForce participant will be credited to your pay and reflected as a medical credit in your pay.

For COBRA rates, see the COBRA Benefits Guide.

$500 PPO plans

Aetna broad network

Coverage level	Salary (BAR) band	Semi-monthly premium	LifeForce phase 2 credit	LifeForce phase 3 credit	LifeForce phase 4 credit	LifeForce phase 5 credit
Teammate only	$0 - $52,999	$116.08	$11.61	$23.21	$34.82	$46.43
	$53,000 - $136,999	$136.57	$13.66	$27.31	$40.97	$54.63
	>$137,000	$157.06	$15.71	$31.41	$47.12	$62.83
Teammate and spouse or domestic partner	$0 - $52,999	$355.65	$35.57	$71.13	$106.69	$142.26
	$53,000 - $136,999	$418.41	$41.84	$83.68	$125.52	$167.36
	>$137,000	$481.17	$48.11	$96.23	$144.35	$192.46
Teammate and child(ren) or domestic partner's child(ren)	$0 - $52,999	$298.78	$29.88	$59.76	$89.64	$119.51
	$53,000 - $136,999	$351.50	$35.15	$70.30	$105.45	$140.60
	>$137,000	$404.23	$40.43	$80.85	$121.27	$161.69
Family	$0 - $52,999	$596.53	$59.65	$119.31	$178.96	$238.61
	$53,000 - $136,999	$701.80	$70.18	$140.36	$210.54	$280.72
	>$137,000	$807.07	$80.71	$161.41	$242.12	$322.83

Aetna narrow network

Coverage level	Salary (BAR) band	Semi-monthly premium	LifeForce phase 2 credit	LifeForce phase 3 credit	LifeForce phase 4 credit	LifeForce phase 5 credit
Teammate only	$0 - $52,999	$101.24	$10.13	$20.25	$30.38	$40.50
	$53,000 - $136,999	$119.10	$11.91	$23.82	$35.73	$47.64
	>$137,000	$136.97	$13.70	$27.40	$41.09	$54.79
Teammate and spouse or domestic partner	$0 - $52,999	$310.36	$31.03	$62.07	$93.11	$124.14
	$53,000 - $136,999	$365.13	$36.51	$73.03	$109.54	$146.05
	>$137,000	$419.90	$41.99	$83.98	$125.97	$167.96
Teammate and child(ren) or domestic partner's child(ren)	$0 - $52,999	$269.88	$26.99	$53.98	$80.97	$107.95
	$53,000 - $136,999	$317.50	$31.75	$63.50	$95.25	$127.00
	>$137,000	$365.13	$36.52	$73.03	$109.54	$146.05
Family	$0 - $52,999	$552.19	$55.22	$110.44	$165.66	$220.88
	$53,000 - $136,999	$649.63	$64.96	$129.93	$194.89	$259.85
	>$137,000	$747.07	$74.70	$149.41	$224.12	$298.82

$1,500 Upfront Advantage plans

Aetna broad network

Coverage level	Salary (BAR) band	Semi-monthly premium	LifeForce phase 2 credit	LifeForce phase 3 credit	LifeForce phase 4 credit	LifeForce phase 5 credit
Teammate only	$0 - $52,999	$103.13	$10.31	$20.63	$30.94	$41.25
	$53,000 - $136,999	$121.33	$12.13	$24.27	$36.40	$48.53
	>$137,000	$139.53	$13.95	$27.91	$41.86	$55.81
Teammate and spouse or domestic partner	$0 - $52,999	$266.79	$26.68	$53.35	$80.04	$106.72
	$53,000 - $136,999	$313.87	$31.39	$62.77	$94.16	$125.55
	>$137,000	$360.95	$36.10	$72.18	$108.28	$144.38
Teammate and child(ren) or domestic partner's child(ren)	$0 - $52,999	$208.35	$20.83	$41.66	$62.51	$83.34
	$53,000 - $136,999	$245.12	$24.51	$49.02	$73.54	$98.05
	>$137,000	$281.89	$28.19	$56.37	$84.57	$112.76
Family	$0 - $52,999	$435.90	$43.59	$87.18	$130.78	$174.36
	$53,000 - $136,999	$512.82	$51.28	$102.56	$153.85	$205.13
	>$137,000	$589.74	$58.97	$117.94	$176.92	$235.90

Aetna narrow network

Coverage level	Salary (BAR) band	Semi-monthly premium	LifeForce phase 2 credit	LifeForce phase 3 credit	LifeForce phase 4 credit	LifeForce phase 5 credit
Teammate only	$0 - $52,999	$90.22	$9.02	$18.05	$27.06	$36.09
	$53,000 - $136,999	$106.14	$10.61	$21.23	$31.84	$42.46
	>$137,000	$122.06	$12.20	$24.41	$36.61	$48.83
Teammate and spouse or domestic partner	$0 - $52,999	$227.13	$22.71	$45.43	$68.14	$90.85
	$53,000 - $136,999	$267.21	$26.72	$53.44	$80.16	$106.88
	>$137,000	$307.29	$30.73	$61.45	$92.18	$122.91
Teammate and child(ren) or domestic partner's child(ren)	$0 - $52,999	$177.38	$17.74	$35.48	$53.21	$70.95
	$53,000 - $136,999	$208.68	$20.87	$41.74	$62.60	$83.47
	>$137,000	$239.98	$24.00	$48.00	$71.99	$95.99
Family	$0 - $52,999	$371.08	$37.11	$74.21	$111.32	$148.43
	$53,000 - $136,999	$436.57	$43.66	$87.31	$130.97	$174.63
	>$137,000	$502.06	$50.21	$100.41	$150.62	$200.83

$250 ACO plan

Aetna narrow network

Coverage level	Salary (BAR) band	Semi-monthly premium	LifeForce phase 2 credit	LifeForce phase 3 credit	LifeForce phase 4 credit	LifeForce phase 5 credit
Teammate only	$0 - $52,999	$102.14	$10.22	$20.43	$30.65	$40.85
	$53,000 - $136,999	$120.16	$12.02	$24.03	$36.05	$48.06
	>$137,000	$138.18	$13.82	$27.63	$41.45	$55.26
Teammate and spouse or domestic partner	$0 - $52,999	$290.90	$29.09	$58.19	$87.27	$116.36
	$53,000 - $136,999	$342.23	$34.22	$68.45	$102.67	$136.89
	>$137,000	$393.56	$39.35	$78.71	$118.07	$157.42
Teammate and child(ren) or domestic partner's child(ren)	$0 - $52,999	$238.49	$23.85	$47.70	$71.54	$95.39
	$53,000 - $136,999	$280.58	$28.06	$56.12	$84.17	$112.23
	>$137,000	$322.67	$32.27	$64.54	$96.80	$129.07
Family	$0 - $52,999	$497.71	$49.77	$99.54	$149.31	$199.09
	$53,000 - $136,999	$585.54	$58.55	$117.11	$175.66	$234.22
	>$137,000	$673.37	$67.33	$134.68	$202.01	$269.35

$2,500 HDHP plans

Aetna broad network

Coverage level	Salary (BAR) band	Semi-monthly premium	LifeForce phase 2 credit	LifeForce phase 3 credit	LifeForce phase 4 credit	LifeForce phase 5 credit
Teammate only	$0 - $52,999	$67.97	$6.80	$13.59	$20.39	$27.19
	$53,000 - $136,999	$79.97	$8.00	$15.99	$23.99	$31.99
	>$137,000	$91.97	$9.20	$18.39	$27.59	$36.79
Teammate and spouse or domestic partner	$0 - $52,999	$177.25	$17.72	$35.45	$53.18	$70.90
	$53,000 - $136,999	$208.53	$20.85	$41.71	$62.56	$83.41
	>$137,000	$239.81	$23.98	$47.97	$71.94	$95.92
Teammate and child(ren) or domestic partner's child(ren)	$0 - $52,999	$143.96	$14.40	$28.79	$43.19	$57.58
	$53,000 - $136,999	$169.36	$16.94	$33.87	$50.81	$67.74
	>$137,000	$194.76	$19.48	$38.95	$58.43	$77.90
Family	$0 - $52,999	$296.76	$29.67	$59.35	$89.03	$118.70
	$53,000 - $136,999	$349.13	$34.91	$69.83	$104.74	$139.65
	>$137,000	$401.50	$40.15	$80.30	$120.45	$160.60

Aetna narrow network

Coverage level	Salary (BAR) band	Semi-monthly premium	LifeForce phase 2 credit	LifeForce phase 3 credit	LifeForce phase 4 credit	LifeForce phase 5 credit
Teammate only	$0 - $52,999	$57.48	$5.75	$11.49	$17.25	$23.00
	$53,000 - $136,999	$67.62	$6.76	$13.52	$20.29	$27.05
	>$137,000	$77.76	$7.77	$15.54	$23.33	$31.10
Teammate and spouse or domestic partner	$0 - $52,999	$152.84	$15.28	$30.57	$45.85	$61.13
	$53,000 - $136,999	$179.81	$17.98	$35.96	$53.94	$71.92
	>$137,000	$206.78	$20.68	$41.35	$62.03	$82.71
Teammate and child(ren) or domestic partner's child(ren)	$0 - $52,999	$122.85	$12.28	$24.57	$36.86	$49.14
	$53,000 - $136,999	$144.53	$14.45	$28.91	$43.36	$57.81
	>$137,000	$166.21	$16.62	$33.25	$49.86	$66.48
Family	$0 - $52,999	$262.45	$26.24	$52.48	$78.73	$104.98
	$53,000 - $136,999	$308.77	$30.88	$61.75	$92.63	$123.51
	>$137,000	$355.09	$35.52	$71.02	$106.53	$142.04

Kaiser Permanente

Coverage level	Salary (BAR) band	Semi-monthly premium	LifeForce phase 2 credit	LifeForce phase 3 credit	LifeForce phase 4 credit	LifeForce phase 5 credit
Teammate only	$0 - $52,999	$66.73	$6.67	$13.34	$20.01	$26.69
	$53,000 - $136,999	$78.51	$7.85	$15.70	$23.55	$31.40
	>$137,000	$90.29	$9.03	$18.06	$27.09	$36.11
Teammate and spouse or domestic partner	$0 - $52,999	$152.97	$15.30	$30.60	$45.90	$61.19
	$53,000 - $136,999	$179.96	$18.00	$35.99	$53.99	$71.98
	>$137,000	$206.95	$20.70	$41.38	$62.08	$82.77
Teammate and child(ren) or domestic partner's child(ren)	$0 - $52,999	$110.47	$11.05	$22.09	$33.14	$44.19
	$53,000 - $136,999	$129.97	$13.00	$25.99	$38.99	$51.99
	>$137,000	$149.47	$14.95	$29.89	$44.84	$59.79
Family	$0 - $52,999	$202.13	$20.21	$40.43	$60.64	$80.85
	$53,000 - $136,999	$237.80	$23.78	$47.56	$71.34	$95.12
	>$137,000	$273.47	$27.35	$54.69	$82.04	$109.39

$4,000 HDHP plans

Aetna broad network

Coverage level	Salary (BAR) band	Semi-monthly premium	LifeForce phase 2 credit	LifeForce phase 3 credit	LifeForce phase 4 credit	LifeForce phase 5 credit
Teammate only	$0 - $52,999	$48.27	$4.83	$9.65	$14.48	$19.31
	$53,000 - $136,999	$56.79	$5.68	$11.36	$17.04	$22.72
	>$137,000	$65.31	$6.53	$13.07	$19.60	$26.13
Teammate and spouse or domestic partner	$0 - $52,999	$141.60	$14.16	$28.32	$42.48	$56.64
	$53,000 - $136,999	$166.59	$16.66	$33.32	$49.98	$66.64
	>$137,000	$191.58	$19.16	$38.32	$57.48	$76.64
Teammate and child(ren) or domestic partner's child(ren)	$0 - $52,999	$104.24	$10.42	$20.85	$31.27	$41.70
	$53,000 - $136,999	$122.64	$12.26	$24.53	$36.79	$49.06
	>$137,000	$141.04	$14.10	$28.21	$42.31	$56.42
Family	$0 - $52,999	$185.16	$18.51	$37.03	$55.54	$74.06
	$53,000 - $136,999	$217.84	$21.78	$43.57	$65.35	$87.14
	>$137,000	$250.52	$25.05	$50.11	$75.16	$100.21

Aetna narrow network

Coverage level	Salary (BAR) band	Semi-monthly premium	LifeForce phase 2 credit	LifeForce phase 3 credit	LifeForce phase 4 credit	LifeForce phase 5 credit
Teammate only	0 - 52,999	$41.19	$4.12	$8.24	$12.36	$16.47
	53,000 - 136,999	$48.46	$4.85	$9.69	$14.54	$19.38
	>=137,000	$55.73	$5.58	$11.14	$16.72	$22.29
Teammate and spouse or domestic partner	0 - 52,999	$124.00	$12.40	$24.80	$37.20	$49.60
	53,000 - 136,999	$145.88	$14.59	$29.18	$43.76	$58.35
	>=137,000	$167.76	$16.78	$33.55	$50.32	$67.10
Teammate and child(ren) or domestic partner's child(ren)	0 - 52,999	$89.77	$8.98	$17.95	$26.93	$35.91
	53,000 - 136,999	$105.61	$10.56	$21.12	$31.68	$42.24
	>=137,000	$121.45	$12.14	$24.29	$36.43	$48.57
Family	0 - 52,999	$159.15	$15.91	$31.83	$47.74	$63.66
	53,000 - 136,999	$187.24	$18.72	$37.45	$56.17	$74.90
	>=137,000	$215.33	$21.53	$43.07	$64.60	$86.14

Kaiser EPO plan

Coverage level	Salary (BAR) band	Semi-monthly premium	LifeForce phase 2 credit	LifeForce phase 3 credit	LifeForce phase 4 credit	LifeForce phase 5 credit
Teammate only	0 - 52,999	$101.12	$10.12	$20.23	$30.34	$40.45
	53,000 - 136,999	$118.96	$11.90	$23.79	$35.69	$47.58
	>=137,000	$136.80	$13.68	$27.35	$41.04	$54.71
Teammate and spouse or domestic partner	0 - 52,999	$316.71	$31.67	$63.34	$95.01	$126.68
	53,000 - 136,999	$372.60	$37.26	$74.52	$111.78	$149.04
	>=137,000	$428.49	$42.85	$85.70	$128.55	$171.40
Teammate and child(ren) or domestic partner's child(ren)	0 - 52,999	$245.05	$24.51	$49.01	$73.52	$98.03
	53,000 - 136,999	$288.29	$28.83	$57.66	$86.49	$115.32
	>=137,000	$331.53	$33.15	$66.31	$99.46	$132.61
Family	0 - 52,999	$511.93	$51.20	$102.38	$153.58	$204.77
	53,000 - 136,999	$602.27	$60.23	$120.45	$180.68	$240.91
	>=137,000	$692.61	$69.26	$138.52	$207.78	$277.05

2026 medical premiums

2026 medical premiums

$500 PPO plans

Aetna broad network

Aetna narrow network

$1,500 Upfront Advantage plans

Aetna broad network

Aetna narrow network

$250 ACO plan

Aetna narrow network

$2,500 HDHP plans

Aetna broad network

Aetna narrow network

Kaiser Permanente

$4,000 HDHP plans

Aetna broad network

Aetna narrow network

Kaiser EPO plan

2026 medical premiums

2026 medical premiums

$500 PPO plans

Aetna broad network

Aetna narrow network

$1,500 Upfront Advantage plans

Aetna broad network

Aetna narrow network

$250 ACO plan

Aetna narrow network

$2,500 HDHP plans

Aetna broad network

Aetna narrow network

Kaiser Permanente

$4,000 HDHP plans

Aetna broad network

Aetna narrow network

Kaiser EPO plan

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