Insurance Rates

2017-18 Insurance cost sharing rates for teachers (estimated: June 2017) (on a per pay basis for 20 pay periods): new plan year starts on Sept 1, 2017. Teachers will pay 20% of total BOE cost.  2017-18 rate sheet | PT rate sheet  (Aug 2017)  |   State Partnership Plan

High Deductible Health Plan (HDHP)

  • Employee Only $93.66 x 20 = $1873.20
  • Employee + 1 $201.38 x 20 = $4027.60
  • Family $252.70 x 20 = $5054.00

Dental Plan Group Dental

  • Employee Only $5.71 x 20 = $114.20
  • Employee + 1 $12.36 x 20 = $247.20
  • Family $15.53 x 20 = $310.60

Total for full time teachers: pay 20% of BOE cost Aug 2017

  • Employee Only $99.37 x 20 = $2809.91
  • Employee + 1 $213.74 x 20 = $4274.80
  • Family $268.23 x 20 = $5364.60

Total for part time teachers:  pay 30% of BOE cost

  • Employee Only $140.50 x 20 = $1987.40
  • Employee + 1 $ 302.07 x 20 = $6041.30
  • Family $379.06 x 20 = $7518.13

BOE cost:  full timer teachers pay 20% of this number  see rates here

  • Employee Only $99.37 x 20 = $9,937
  • Employee + 1 $213.74 x 20 = $21,374
  • Family $268.23 x 20 = $26,823

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2016 17 Rate sheet from TSO   |  State Partnership Plan

2016-17 Insurance cost sharing rates for teachers (Aug 2016) (on a per pay basis for 20 pay periods):  new plan year starts on Sept 1, 2016. Teachers will pay 19% of total BOE cost.

Single: Medical: $82.22 | Dental:$5.80 | Total: $89.31/pay or
$1665+$121.2 = $1786.20 total (over 20 pays)
Dual:  Medical: $176.77  |  Dental: $12.57  |  Total: $192.11/pay  or
$3580+$262 = $3842.20  total (over 20 pays)
Family:  Medical: $221.83 | Dental: $15.79 | Total: $241.09/pay or
$4492.40+$329.40 = $4821.80 total (over 20 pays)

2016 Open Enrollment period runs from June 7th through Wed, July 6th.

Projected total 2016-17 BOE cost for plan:  (June 2016)
single: medical: $8,654 | dental: $611 = $9265
dual: medical: $18,607 | dental: $1,323 = $19,930
family: medical: $23,350| dental: $1,662 = $25,012

Part Time teachers pay 30% of BOE cost
Single: Medical: $129.82 | Dental:$9.16 | Total: $138.98/pay or
$2779.60 total (over 20 pays)
Dual:  Medical: $279.11  |  Dental: $19.84  |  Total: $298.95/pay  or
$5979  total (over 20 pays)
Family:  Medical: $350.25 | Dental: $24.93 | Total: $375.18/pay or
$7503.60 total (over 20 pays)


2015-16 Insurance cost sharing rates for teachers (on a per pay basis for 20 pay periods):  new plan year starts on Sept 1, 2015..
please note: WEA rates per our contract are set based on previous year July 1 – June 30.   Download actual rates from Business office

Full Time Teachers – pay 18% of BOE rates  BOE will contribute $1000 (single)/$2000 (family) to their HSA account.  HD deductible does not includes dental plan which has separate deductible.

  • Single $71.19 x 20 pays = $1423.80 total + (dental: $5.45 x 20 pays = $109.00) = $1532.80  ($76.64 combined for 20 pays)
  • Dual $153.06 x 20 pays = $3061.20 total + (dental: $11.79 x 20 pays = $235.80) = $3297.00  ($164.85 combined for 20 pays)
  • Family $192.07 x 20 pays = $3841.40 total + (dental: $14.82 x 20 pays = $296.40) = $4137.80  ($206.89 combined for 20 pays)

Part Time Teachers pay 30% of the BOE rates. BOE will make the full contribution $1000/$2000 to their HSA account.   Does not include dental benefit.

  • Single $118.65 x 20 pays = $2,373.01  + (dental: $9.08 *20 = $181.58) = $2554.59  ($127.73 combined for 20 pays)
  • Dual $255.10 x 20 pays = $5101.99 total + (dental: $19.66 *20 = $393.12) = $5495.11   ($274.75 combined for 20 pays)
  • Family $320.12 x 20 pays = $6402.38 total + (dental: $24.70 *20 = $493.92) = $6896.30    ($344.81 combined for 20 pays)

Total BOE price for our HD/HSA health insurance plan for 2015-16:

  • single = $7910.40 + $605.28 (dental) = $8515.68
  • dual = $17,006.64 + $1310.40 (dental) = $18317.04
  • family = $21,341.28 + $1,646.40 (dental) = $22987.68

Dental plan: Full time employees pay 18% of what the BOE pays

  • Single $5.45 x 20 pays = $106.80 total
  • Dual $11.79 x 20 pays = $235.80 total
  • Family $14.82 x 20 pays = $296.40 total

Total premium for our dental plan: what the BOE pays

  • Single $605.82 for the year
  • Dual $1310.40 for the year
  • Family $1646.40 for the year

If you would like to stay on the POS plan next year, you add the difference between the two plans and the premium share for the HD/HSA plans to come up with the “buy-up” cost”

Full Time member: (18% of HD plan plus difference between HD and PPO plans)

Single $1736.36 + $1423.80 = $3,160.16 to stay on the PPO plan ($158.01 for 20 pays)
Dual $3733.20+ $3061.20 = $6794.40 to stay on the PPO plan  ($339.72 for 20 pays)
Family $4684.80 + $3841.40 = $8526.20 to stay on the PPO plan  ($426.31 for 20 pays)

Part time member: (30% of HD plan plus difference between HD and PPO plans)
Single $4,109.37 to stay on PPO plan   ($205.47 for 20 pays)
Dual    $8,835.19 to stay on PPO plan   ($441.76 for 20 pays)
Family $11,087.18 to stay on PPO plan   ($554.36 for 20 pays)

Total BOE price of POS plan for 2015-16:

Single $9,646.40/year  | difference from HD plan:   $9,646.40 – $7910.40 =  $1736
Dual $20,739.84/year  | difference from HD plan:   $20,739.84 – $17,006.64 = $3733.20
Family $26,026.08/year | difference from HD plan: $26,026.08 – $21,341.28 = $4684.80

COBRA cost:  computed on a projected basis..so higher than WEA rate which is computed on last year;s experience

Monthly cost:
HDHP- Family rate:                $2,062.92
Dental Plan – Family rate:            144.01
Subtotal Cost:                         2,206.93
2% Admin fee:       44.14
Total Monthly COBRA cost:     $2,251.07

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2014-15 Insurance cost sharing rates for teachers (on a per pay basis for 20 pay periods):  plan starts on Sept 1, 2014..
please note: WEA rates per our contract are set based on previous year July 1 – June 30.
Full time employees |   Part time employees includes PPO (buy up) rates

Full Time Teachers – pay 17% of BOE rates  BOE will contribute $1000 (single)/$2000 (family) to their HSA account.  includes dental benefit.

  • Single $64.28 x 20 pays = $1285.60 total + (dental: $4.46 x 20 pays = $87.91) = $1374.80 or $68.72/pay
  • Dual $138.21 x 20 pays = $2764.20 total + (dental: $9.65 x 20 pays = $193) = $2957.20 or $147.86/pay
  • Family $173.44 x 20 pays = $3468.80 total + (dental: $12.12 x 20 pays = $242.40) = $3711.20  or $185.56/pay

Part Time Teachers pay 30% of the BOE rates. BOE will make the full contribution $1000/$2000 to their HSA account.   Does not include dental benefit.

  • Single $113.44 x 20 pays = $2,268.80  + (dental: $7.87 *20 = $152.32)
  • Dual $243.90 x 20 pays = $4877.96 total + (dental: $17.03 *20 = $340.60)
  • Family $306.06 x 20 pays = $6121.30 total + (dental: $21.39 *20 = $427.90)

Total BOE price for our HD/HSA health insurance plan for 2014-15:

  • single = $7562.76 + 524.40 (dental) = $8087.16
  • dual = $16,259.88 + 1135.32 (dental) = $17395.20
  • family = $20,404.32 + 1,426.32 (dental) = $21830.64

Dental plan: we pay 17% of what the BOE pays

  • Single $4.46 x 20 pays = $89.20 total
  • Dual $9.65 x 20 pays = $193.00 total
  • Family $12.70 x 20 pays = $242.40 total

Total premium for our dental plan: what the BOE pays

  • Single $524.40 for the year
  • Dual $1,135.32 for the year
  • Family $1425.32 for the year

If you would like to stay on the POS plan next year, you add the difference between the two plans and the premium share for the HD/HSA plans to come up with the “buy-up” cost”

Full Time member: (17% of HD plan plus difference between HD and PPO plans)

Single $1609.68 + $1261.15 = $2,945.80 to stay on the PPO plan ($147.29 for 20 pays)
Dual $3460.68+ $2764.20 = $6,333.40 to stay on the PPO plan  ($308.67 for 20 pays)
Family $4342.68 + $3468.80 = $7,947.60 to stay on the PPO plan  ($387.36 for 20 pays)

Part time member: (30% of HD plan plus difference between HD and PPO plans)
Single $3974.34 to stay on PPO plan   ($198.74 for 20 pays)
Dual    $8,547.19 to stay on PPO plan   ($427.36 for 20 pays)
Family $10,726.16 to stay on PPO plan   ($536.31 for 20 pays)

Total BOE price of POS plan for 2014-15:

Single $9,222.84/year  | difference from HD plan:   $9,222.84 – $7562.76 =  $1660.08
Dual $19,829.16/year  | difference from HD plan:   $19,829.16 – $16,259.88 = $3569.28
Family $24,883.20/year | difference from HD plan: $24,883.20 – $20,404.32 = $4478.88

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2013-14 Insurance cost sharing rates for teachers (on a per pay basis for 20 pay periods):  plan starts on Sept 1, 2013..
please note: WEA rates per our contract are set based on previous year July 1 – June 30. 2013-14 rates were be finalized in Aug 2013.
HD plan rates |   PPO (buy up) rates

Full Time Teachers – pay 16% of BOE rates  BOE will contribute $1000 (single)/$2000 (family) to their HSA account. Includes dental benefit.

  • Single $63.06 x 20 pays = $1261.15 total
  • Dual $135.64 x 20 pays = $2712.81 total
  • Family $170.23 x 20 pays = $3404.52 total

Part Time Teachers pay 30% of the BOE rates. BOE will make the full contribution $1000/$2000 to their HSA account.   Includes dental benefit.

  • Single $118.23 x 20 pays = $2,364.66 total
  • Dual $254.33 x 20 pays = $5,086.51 total
  • Family $336.55 x 20 pays = $6,730.92 total Oct 25, 2013

Corrected rates for part time family only Oct 25, 2013

  • family: $21,278.28 * 30% = $6383.48 total or $319.17 for 20 pays

Total BOE price for our HD/HSA health insurance plan for 2013-14: medical & dental are:

  • single = $7882.20
  • dual = $16,955.04
  • family = $21,278.28

Dental plan: (included in plan numbers)

  • Single $4.40 x 20 pays = $87.91 total
  • Dual $9.52 x 20 pays = $190.35 total
  • Family $11.95 x 20 pays = $239.13 total

Total premium for our dental plan: (included in all plan numbers)

  • Single $549.48 for the year
  • Dual $1,189.68 for the year
  • Family $1494.60 for the year

If you would like to stay on the POS plan next year, you add the difference between the two plans and the premium share for the HD/HSA plans to come up with the “buy-up” cost”

Full Time member: (16% of HD plan plus difference between HD and PPO plans)

Single $1609.68 + $1261.15 = $2,870.83 to stay on the PPO plan ($143.54 for 20 pays)
Dual $3460.68+ $2712.81 = $6,173.49 to stay on the PPO plan  ($308.67 for 20 pays)
Family $4342.68 + $3404.52 = $7,747.20 to stay on the PPO plan  ($387.36 for 20 pays)

Part time member: (30% of HD plan plus difference between HD and PPO plans)
Single $3974.34 to stay on PPO plan   ($198.74 for 20 pays)
Dual    $8,547.19 to stay on PPO plan   ($427.36 for 20 pays)
Family $10,726.16 to stay on PPO plan   ($536.31 for 20 pays)

Total BOE price of POS plan for 2013-14:

Single $9,491.88/year  |difference from HD plan:   $9,491.88 – $7882.20 =  $1609.68
Dual $20,415.72/year  |difference from HD plan:   $20,415.72 – $16,955.04 = $3460.68
Family $25,620.96/year |difference from HD plan: $25,620.96 – $21,278.28 = $4342.68

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2012-13 insurance cost sharing rates for teachers (on a per pay basis for 20 pay periods):

Full Time Teachers – co-pay 18%

  • Single $74.81 x 20 = $1496.20 total
  • Dual $160.90 x 20 = $3218.00 total
  • Family $201.93 x 20 = $4038.60 total

Part Time Teachers – co-pay 30%

  • Single $124.68 x 20 = $2493.60 total
  • Dual $268.17 x 20 = $5363.40 total
  • Family $336.55 x 20 = $6731.00 total

Total costs for our health insurance plans for 2012-13: medical & dental  appx.

  • single = $8,311.80
  • dual = $17,877.96
  • family = $22,436.40

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2011-12 Costs   full time employees paid 17% co-pay deducted

per pay over 20 pay periods total for school year

  • Single: $69.28 x 20 = $1385.60 total
  • Dual: $149.01 x 20 = $2980.20 total
  • Family: $187 x 20 = $3740.00 total

Part time (less than 100%) employees pay 30% of total costs

per pay over 20 pay periods total for school year

  • Single: appx. $122.25 x 20 = $2445
  • Dual: appx. $262.95 x 20 = $5259
  • Family: appx. $330 x 20 = $6600

Total costs for our health insurance plans for 2011-12: medical & dental  appx.

  • single = $8,150
  • dual = $17,530
  • family = $22,000

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2010-11 Costs

All full time employees in WEA bargaining unit pay 16% co-pay deducted:

per pay over 20 pay periods total for school year

  • Single: $63.09 x 20 = $1261.80
  • Dual: $135.71 x 20 = $2714.20
  • Family: $170.31 x 20 = $3406.20

Part time (less than 100%) employees pay 30% of total costs

per pay over 20 pay periods total for school year

  • Single: appx. $118 x 20 = $2370
  • Dual: appx. $254 x 20 = $5085
  • Family: appx. $320 x 20 = $6387

Total costs for our health insurance plans for 2010-11: medical & dental

  • single = $7,900
  • dual = $16,950
  • family = $21,290

Insurance Costs for Fairfield County