What Does it Cost?
What to Know
These are the monthly premiums you’ll pay for benefits coverage in 2026.
Medical
Monthly Premiums: Healthy Incentive Credit Applied
Core Option
Premium Saver Option
Traditional Copay PPO Option
Employee Only
$102
$54
$104
Employee + Spouse/
Domestic Partner
$306
$195
$311
Employee + Child(ren)
$212
$133
$215
Employee + Family
$399
$258
$406
Monthly Premiums: Healthy Incentive Credit Excluded
Core Option
Premium Saver Option
Traditional Copay PPO Option
Employee Only
$142
$94
$144
Employee + Spouse/
Domestic Partner
$346
$235
$351
Employee + Child(ren)
$252
$173
$255
Employee + Family
$439
$298
$446
Dental
Monthly Premiums
Standard Option
High Option
Employee Only
$11
$20
Employee + Spouse/ Domestic Partner
$22
$36
Employee + Child(ren)
$26
$38
Employee + Family
$39
$60
Vision
Monthly Premiums
VBA Option
Employee Only
$7.95
Employee + Spouse/ Domestic Partner
$13.81
Employee + Child(ren)
$13.81
Employee + Family
$20.47
Supplemental Healthcare Benefits
Hospital Indemnity Insurance
Basic
Enhanced
Employee Only
$5.23
$10.33
Employee + Spouse or Domestic Partner
$12.58
$24.85
Employee + Child(ren)
$8.60
$17.00
Employee + Family
$15.95
$31.52
Accident Insurance
Basic
Enhanced
Employee Only
$3.67
$5.64
Employee + Spouse or Domestic Partner
$7.34
$11.28
Employee + Child(ren)
$8.96
$13.78
Employee + Family
$10.53
$16.18
Critical Illness Insurance
Basic $10,000 Benefit
Employee Only
Employee + Spouse or Domestic Partner
Employee + Child(ren)
Employee + Family
24 and under
$3.10
$6.30
$5.30
$8.40
25 – 29
$3.60
$7.30
$5.70
$9.40
30 – 34
$4.40
$9.00
$6.60
$11.10
35 – 39
$6.00
$12.20
$8.10
$14.30
40 – 44
$8.30
$16.90
$10.50
$19.10
45 – 49
$11.70
$23.50
$13.90
$25.60
50 – 54
$15.90
$30.80
$18.00
$33.00
55 – 59
$22.60
$42.60
$24.70
$44.70
60 – 64
$30.70
$56.90
$32.90
$59.00
65 – 69
$41.50
$75.70
$43.60
$77.90
70 – 100
$57.30
$105.90
$59.40
$108.00
Enhanced $20,000 Benefit
Employee Only
Employee + Spouse or Domestic Partner
Employee + Child(ren)
Employee + Family
24 and under
$6.20
$12.60
$10.60
$16.80
25 – 29
$7.20
$14.60
$11.40
$18.80
30 – 34
$8.80
$18.00
$13.20
$22.20
35 – 39
$12.00
$24.40
$16.20
$28.60
40 – 44
$16.60
$33.80
$21.00
$38.20
45 – 49
$23.40
$47.00
$27.80
$51.20
50 – 54
$31.80
$61.60
$36.00
$66.00
55 – 59
$45.20
$85.20
$49.40
$89.40
60 – 64
$61.40
$113.80
$65.80
$118.00
65 – 69
$83.00
$151.50
$87.20
$155.80
70 – 100
$114.60
$211.80
$118.80
$216.00
Life Insurance
Basic Employee Life Insurance
Monthly Rate
1.5x annual base salary (up to a $1M maximum)
Provided by Qnity at no cost to you
Note: If your salary is greater than $50,000, you can elect to reduce your Basic Employee Life Insurance to $50,000. This option is offered at no cost as a tax-free alternative to the Company-provided 1.5x annual base salary coverage.
Supplemental Employee Life Insurance
In addition to the Basic Employee Life Insurance provided at no cost to you through Qnity, you can buy additional coverage — up to 7x your annual base salary, up to a maximum of $1.5M — during your enrollment period.
Age on 12/31/2026
Monthly Rate per $1,000 of Coverage
Under 25
$0.013
25–29
$0.014
30–34
$0.022
35–39
$0.033
40–44
$0.045
45–49
$0.079
50–54
$0.138
55–59
$0.228
60–64
$0.356
65–69
$0.638
70–74
$1.109
75+
$1.654
Spouse/Domestic Partner Supplemental Life Insurance
Coverage options include:
- $10,000
- $25,000
- $50,000
- $100,000
- $200,000
- $250,000
- $300,000
- $350,000
- $400,000
The cost varies based on age and the amount of coverage chosen.
Age on 12/31/2026
Monthly Rate per $1,000 of Coverage
Under 25
$0.016
25–29
$0.020
30–34
$0.029
35–39
$0.044
40–44
$0.059
45–49
$0.104
50–54
$0.182
55–59
$0.303
60–64
$0.473
65–69
$0.850
70–74
$1.477
75+
$1.854
Child Supplemental Life Insurance
Coverage Options
Monthly Rate
$5,000
$0.19
$10,000
$0.37
$20,000
$0.74
Accidental Death Insurance
Basic Employee Accidental Death Insurance
Coverage
Monthly Rate
1.5x annual base salary (up to a $1M maximum)
Provided by Qnity at no cost to you
Supplemental Coverage Options for Yourself, Your Spouse or Domestic Partner, and Child(ren)
Option A
Option B
Option C
Option D
Employee Only
$500,000
$250,000
$100,000
$50,000
Employee/ Spouse or Domestic Partner
$500,000/
$300,000
$300,000
$250,000/
$150,000
$150,000
$100,000/
$50,000
$50,000
$50,000/
$25,000
$25,000
Employee/ Child(ren)
$500,000/
$100,000
$100,000
$250,000/
$50,000
$50,000
$100,000/
$25,000
$25,000
$50,000/
$10,000
$10,000
Employee/ Spouse or Domestic Partner and Each Eligible Child
$500,000/
$300,000/
$100,000
$300,000/
$100,000
$250,000/
$150,000/
$50,000
$150,000/
$50,000
$100,000/
$50,000/
$25,000
$50,000/
$25,000
$50,000/
$25,000/
$10,000
$25,000/
$10,000
Monthly Cost for Supplemental Coverage for Yourself, Your Spouse or Domestic Partner, and Child(ren)
Option A
Option B
Option C
Option D
Employee Only
$8.50
$4.25
$1.70
$0.85
Employee/ Spouse or Domestic Partner
$13.60
$6.80
$2.55
$1.28
Employee/ Child(ren)
$11.70
$5.85
$2.50
$1.17
Employee/ Spouse or Domestic Partner/ Child(ren)
$16.80
$8.40
$3.35
$1.60
Legal Insurance
Monthly Premiums
Monthly Rate
Employee Only
$13.85
Employee + Family
$19.85
Identity Protection
Monthly Premiums
Monthly Rate
Yourself
$6.50 per month
Your Family
$12.50 per month
Pet insurance
Monthly Premiums
Coverage Level
Monthly Rate
Options 1 and 2
Monthly rates vary depending on the option you choose and the pet you cover.
Both options will see discounted monthly rates through the Qnity group program.
Both options will see discounted monthly rates through the Qnity group program.
