Premiums

These are the full time premiums for July 1, 2025 - December 31, 2025.

The university provides flexible and affordable medical plans with no-cost wellness benefits. Optional vision and dental plans are available for eligible employees, too. You and your campus share the cost of your health plan premiums for medical, dental and vision coverage. Premiums are based on the plan and tier level you choose (e.g., employee only coverage, employee and spouse coverage, employee and children coverage or employee, spouse and children coverage). Premiums may change each year.

Monthly premiums are listed in the tables below. For biweekly rates, visit the UAMS website. 

Medical: Classic Plan
Employee Group75% - 100%50% - 74%
Monthly Employee ContributionMonthly Employer ContributionMonthly Employee Contribution Monthly Employer Contribution 
Employees
Employee Only$156.03$364.07$265.25$254.85
Employee & Spouse$438.16$778.94$693.75$523.35
Employee & Child(ren)$321.35$652.45$525.85$447.95
Emp., Sp. & Child(ren)$571.53$1,109.43$890.91$790.05
Faculty Group Practice
Employee Only$0$520.10$130.03$390.07
Employee & Spouse$0$1,217.10$304.28$912.82
Employee & Child(ren)$0$973.80$243.45$730.35
Emp., Sp. & Child(ren)$0$1,680.96$420.24$1,260.72
Physician Residents, Housestaff
Employee Only$0$520.10N/A
Employee & Spouse$282.13$934.97
Employee & Child(ren)$165.32$808.48
Emp., Spouse & Child(ren)$415.50$1,265.46
Pharmacy Residents
Employee Only$0$520.10N/A
Employee & Spouse$438.16$778.94
Employee & Child(ren)$321.35$652.45
Emp., Spouse & Child(ren)$571.53$1,109.43

Medical: Health Savings Plan
Employee Group75% - 100%50% - 74%
Monthly Employee ContributionMonthly Employer ContributionMonthly Employee Contribution Monthly Employer Contribution 
Employees
Employee Only$124.13$327.25$212.15$239.23
Employee & Spouse$308.85$720.65$514.75$514.75
Employee & Child(ren)$237.13$609.77$406.51$440.39
Emp., Sp. & Child(ren)$430.97$1,005.61$718.29$718.29
Faculty Group Practice
Employee Only$0.00$451.38$112.85$338.53
Employee & Spouse$0.00$1,029.50$257.38$772.12
Employee & Child(ren)$0.00$846.90$211.73$635.17
Emp., Sp. & Child(ren)$0.00$1,436.58$359.15$1,077.43
Physician Residents, Housestaff
Employee Only$0.00$451.38N/A
Employee & Spouse$196.00$833.50
Employee & Child(ren)$124.29$722.61
Emp., Spouse & Child(ren)$318.13$1,118.45
Pharmacy Residents
Employee Only$0.00$451.38N/A
Employee & Spouse$308.85$720.65
Employee & Child(ren)$237.13$609.77
Emp., Spouse & Child(ren)$430.97$1,005.61

Medical: Premier Plan
Employee Group75% - 100%50% - 74%
Monthly Employee ContributionMonthly Employer ContributionMonthly Employee Contribution Monthly Employer Contribution 
Employees
Employee Only$425.60$362.54$583.22$204.92
Employee & Spouse$1,100.63$764.85$1,492.38$373.10
Employee & Child(ren)$839.97$633.67$1,031.55$442.09
Emp., Sp. & Child(ren)$1,491.85$1,080.31$1,980.56$591.60
Faculty Group Practice
Employee Only$268.04$520.10$398.09$390.05
Employee & Spouse$648.44$1,217.04$1,026.01$839.47
Employee & Child(ren)$499.84$973.80$743.29$730.35
Emp., Sp. & Child(ren)$1,028.86$1,543.30$1,414.69$1,157.47
Physician Residents, Housestaff
Employee Only$268.04$520.10N/A
Employee & Spouse$930.57$934.91
Employee & Child(ren)$665.16$808.48
Emp., Spouse & Child(ren)$1,444.36$1,127.80
Pharmacy Residents
Employee Only$268.04$520.10N/A
Employee & Spouse$1,100.63$764.85
Employee & Child(ren)$839.97$633.67
Emp., Spouse & Child(ren)$1,491.85$1,080.31

Dental
Employee Group75% - 100%50% - 74%
Monthly Employee ContributionMonthly Employer ContributionMonthly Employee Contribution Monthly Employer Contribution 
Employees
Employee Only$24.32$8.00$29.12$3.20
Employee & Spouse$50.16$16.50$60.06$6.60
Employee & Child(ren)$42.33$13.93$50.69$5.57
Emp., Sp. & Child(ren)$68.17$22.43$81.63$8.97
Faculty Group Practice
Employee Only$0$32.32$8.32$24.00
Employee & Spouse$0$66.66$17.16$49.50
Employee & Child(ren)$0$56.26$14.48$41.78
Emp., Sp. & Child(ren)$0$90.60$23.32$67.28
Physician Residents, Housestaff
Employee Only$24.32$8.00N/A
Employee & Spouse$50.16$16.50
Employee & Child(ren)$42.33$13.93
Emp., Spouse & Child(ren)$68.17$22.43

Vision
 

Basic

Semi-Monthly Employee Contribution

Enhanced

Semi-Monthly Employee Contribution

Employee Only$2.34$4.74
Employee & Spouse$4.65$9.37
Employee & Child(ren)$4.55$9.18
Emp., Sp. & Child(ren)$6.92$13.96

Employee Life Insurance*
Current AgeBasicOptional
Less than 30100% employer paid$0.037
30 but < 35$0.053
35 but < 40$0.060
40 but < 45$0.075
45 but < 50$0.112
50 but < 55$0.172
55 but < 60$0.321
60 but < 65$0.493
65 but < 70$0.950
70 & older$1.533

* Rates are per $1,000 of coverage.

To calculate your monthly premium:

  1. Multiply your annual salary by 1, 2, 3, or 4 (based on your coverage election). Round to the next $1,000.
  2. Divide by $1,000.
  3. Multiply by Age Rate, above.

Dependent Life Insurance
Spouse Coverage*Semi-Monthly Employee Contribution
$10,000$1.43
$15,000$2.14
$20,000$2.85

* Eligible dependent children are covered at 50% of spouse coverage.

Short Term Disability
BasicSupplemental*Voluntary**
100% employer paid$0.285 per $100 of covered annual salary$0.473 per $100 of covered annual salary

* When you are enrolled in Basic STD coverage, Supplemental STD covers 60% of the first $4,153 of your weekly pre-disability earnings.

** Voluntary STD covers 60% of the first $4,153 of your weekly pre-disability earnings.

Long Term Disability (Excluding FPG)
BasicBuy-Up*
100% employer paid$0.546 per $100 of annual base salary

* Enroll only if salary is over $20,000. Maximum salary to be used in calculation is $500,000.

Long Term Disability for FPG
BasicBuy-Up
100% employer paid100% employer paid

Accidental Death and Dismemberment (AD&D) Insurance
CoverageSingleFamily
Per $1,000 of coverage$0.015$0.030

Spouse covered for 60% of coverage amount and eligible dependent children for 20% of family coverage amount. Coverage in excess of $150,000 will be limited to the lesser of $300,000 or 15 times employee’s salary (rounded up to next $25,000).

Critical Illness Insurance
Coverage Employee OnlyEmployee and SpouseEmployee and ChildrenEmployee, Spouse and Children
Option 1: $10,000 (Monthly Rates)
Under 25$1.40$2.70$2.40$3.70
25-29$1.90$3.70$2.90$4.70
30-34$2.60$5.00$3.60$6.00
35-39$3.60$7.10$4.60$8.10
40-44$5.80$11.60$6.80$12.60
45-49$9.40$19.30$10.40$20.30
50-54$13.70$28.70$14.70$29.70
55-59$18.80$39.80$19.80$40.80
60-64$26.70$56.70$27.70$57.70
65-69$38.40$78.90$39.40$79.90
70-74$27.35$53.25$28.35$54.25
75+$38.15$69.05$39.15$70.05
Option 2: $20,000 (Monthly Rates)
Under 25$2.80$5.40$4.80$7.40
25-29$3.80$7.40$5.80$9.40
30-34$5.20$10.00$7.20$12.00
35-39$7.20$14.20$9.20$16.20
40-44$11.60$23.20$13.60$25.20
45-49$18.80$38.60$20.80$40.60
50-54$27.40$57.40$29.40$59.40
55-59$37.60$79.60$39.60$81.60
60-64$53.40$113.40$55.40$115.40
65-69$76.80$157.80$78.80$159.80
70-74$54.70$106.50$56.70$108.50
75+$76.30$138.10$78.30$140.10

Accident Insurance
Monthly RatesOption 1: $20,000Option 2: $30,000Option 3: $50,000
Employee$3.82$5.04$6.65
Employee + Spouse$6.06$7.99$10.57
Employee + Child(ren)$7.06$9.70$13.14
Family$10.99$15.00$20.24

Hospital Indemnity Insurance
Monthly RatesOption 1: $500Option 2: $1,000Option 3: $1,500
Employee$5.74$9.50$13.26
Employee + Spouse$11.34$18.82$26.30
Employee + Child(ren)$9.61$16.34$23.07
Family$16.15$27.33$38.52

Voluntary Benefits
  • Group Rated Auto/Home Insurance: Rates quoted year round from Farmers.
  • Identity Theft: Contact ID Watchdog at 866.513.1518 for premiums.
  • Legal Protection through LegalShield:
    • Basic Coverage: $9.48
    • Basic Coverage (Nevada, New York, Massachusetts): $10.98
    • Home Business Supplement: $7.48 (Important: You must enroll in Basic Coverage to elect the Home Business Supplement.)