What you need to know
What you pay per paycheck through pretax payroll deductions for medical coverage depends on which plan you choose, whether you cover dependents, and your annual base salary. For 2025, your per paycheck contribution is calculated using your annual base salary as of November 1, 2024. For new hires who started after November 1, 2024, your new hire annual base salary is used. Any salary changes during 2025 will not impact your per paycheck contribution for the remainder of 2025.
Salary: $0–$70,000
You only
You only
Medical
| Plan | Employee cost per paycheck |
|---|---|
| Meritain Copay Plan + HRA | $26 |
| Meritain CDHP with HSA | $24 |
| Kaiser HMO (CA) | $26 |
| HMSA | $24 |
Dental
| Plan | Employee cost per paycheck |
|---|---|
| Core | $3 |
| Enhanced | $7 |
Vision
| Plan | Employee cost per paycheck |
|---|---|
| Core | $2 |
| Enhanced | $3 |
You + spouse*
You + spouse*
Medical
| Plan | Employee cost per paycheck |
|---|---|
| Meritain Copay Plan + HRA | $78 |
| Meritain CDHP with HSA | $73 |
| Kaiser HMO (CA) | $78 |
| HMSA | $73 |
Dental
| Plan | Employee cost per paycheck |
|---|---|
| Core | $6 |
| Enhanced | $15 |
Vision
| Plan | Employee cost per paycheck |
|---|---|
| Core | $4 |
| Enhanced | $7 |
*Imputed income: The IRS states that the fair market value for domestic partner coverage is taxable to the employee. This means the full cost of individual coverage (for your domestic partner) would be added to your taxable income (imputed income). You will see domestic partner imputed income added to your earnings (to incur the tax liability) and then deducted from your gross pay.
You + children
You + children
Medical
| Plan | Employee cost per paycheck |
|---|---|
| Meritain Copay Plan + HRA | $67 |
| Meritain CDHP with HSA | $62 |
| Kaiser HMO (CA) | $67 |
| HMSA | $62 |
Dental
| Plan | Employee cost per paycheck |
|---|---|
| Core | $8 |
| Enhanced | $18 |
Vision
| Plan | Employee cost per paycheck |
|---|---|
| Core | $4 |
| Enhanced | $7 |
You + family
You + family
Medical
| Plan | Employee cost per paycheck |
|---|---|
| Meritain Copay Plan + HRA | $111 |
| Meritain CDHP with HSA | $103 |
| Kaiser HMO (CA) | $111 |
| HMSA | $103 |
Dental
| Plan | Employee cost per paycheck |
|---|---|
| Core | $11 |
| Enhanced | $24 |
Vision
| Plan | Employee cost per paycheck |
|---|---|
| Core | $6 |
| Enhanced | $11 |
Salary: $70,000.01–$125,000
You only
You only
Medical
| Plan | Employee cost per paycheck |
|---|---|
| Meritain Copay Plan | $60 |
| Meritain CDHP with HSA | $46 |
| Kaiser HMO (CA) | $45 |
| HMSA | $46 |
Dental
| Plan | Employee cost per paycheck |
|---|---|
| Core | $3 |
| Enhanced | $7 |
Vision
| Plan | Employee cost per paycheck |
|---|---|
| Core | $2 |
| Enhanced | $3 |
You + spouse*
You + spouse*
Medical
| Plan | Employee cost per paycheck |
|---|---|
| Meritain Copay Plan | $207 |
| Meritain CDHP with HSA | $144 |
| Kaiser HMO (CA) | $149 |
| HMSA | $144 |
Dental
| Plan | Employee cost per paycheck |
|---|---|
| Core | $6 |
| Enhanced | $15 |
Vision
| Plan | Employee cost per paycheck |
|---|---|
| Core | $4 |
| Enhanced | $7 |
*Imputed income: The IRS states that the fair market value for domestic partner coverage is taxable to the employee. This means the full cost of individual coverage (for your domestic partner) would be added to your taxable income (imputed income). You will see domestic partner imputed income added to your earnings (to incur the tax liability) and then deducted from your gross pay.
You + children
You + children
Medical
| Plan | Employee cost per paycheck |
|---|---|
| Meritain Copay Plan | $175 |
| Meritain CDHP with HSA | $135 |
| Kaiser HMO (CA) | $122 |
| HMSA | $135 |
Dental
| Plan | Employee cost per paycheck |
|---|---|
| Core | $8 |
| Enhanced | $18 |
Vision
| Plan | Employee cost per paycheck |
|---|---|
| Core | $4 |
| Enhanced | $7 |
You + family
You + family
Medical
| Plan | Employee cost per paycheck |
|---|---|
| Meritain Copay Plan | $293 |
| Meritain CDHP with HSA | $187 |
| Kaiser HMO (CA) | $210 |
| HMSA | $187 |
Dental
| Plan | Employee cost per paycheck |
|---|---|
| Core | $11 |
| Enhanced | $24 |
Vision
| Plan | Employee cost per paycheck |
|---|---|
| Core | $6 |
| Enhanced | $11 |
Salary: $125,000.01+
You only
You only
Medical
| Plan | Employee cost per paycheck |
|---|---|
| Meritain Copay Plan | $67 |
| Meritain CDHP with HSA | $47 |
| Kaiser HMO (CA) | $49 |
| HMSA | $47 |
Dental
| Plan | Employee cost per paycheck |
|---|---|
| Core | $3 |
| Enhanced | $7 |
Vision
| Plan | Employee cost per paycheck |
|---|---|
| Core | $2 |
| Enhanced | $3 |
You + spouse*
You + spouse*
Medical
| Plan | Employee cost per paycheck |
|---|---|
| Meritain Copay Plan | $227 |
| Meritain CDHP with HSA | $158 |
| Kaiser HMO (CA) | $163 |
| HMSA | $158 |
Dental
| Plan | Employee cost per paycheck |
|---|---|
| Core | $6 |
| Enhanced | $15 |
Vision
| Plan | Employee cost per paycheck |
|---|---|
| Core | $4 |
| Enhanced | $7 |
*Imputed income: The IRS states that the fair market value for domestic partner coverage is taxable to the employee. This means the full cost of individual coverage (for your domestic partner) would be added to your taxable income (imputed income). You will see domestic partner imputed income added to your earnings (to incur the tax liability) and then deducted from your gross pay.
You + children
You + children
Medical
| Plan | Employee cost per paycheck |
|---|---|
| Meritain Copay Plan | $192 |
| Meritain CDHP with HSA | $148 |
| Kaiser HMO (CA) | $133 |
| HMSA | $148 |
Dental
| Plan | Employee cost per paycheck |
|---|---|
| Core | $8 |
| Enhanced | $18 |
Vision
| Plan | Employee cost per paycheck |
|---|---|
| Core | $4 |
| Enhanced | $7 |
You + family
You + family
Medical
| Plan | Employee cost per paycheck |
|---|---|
| Meritain Copay Plan | $321 |
| Meritain CDHP with HSA | $204 |
| Kaiser HMO (CA) | $230 |
| HMSA | $204 |
Dental
| Plan | Employee cost per paycheck |
|---|---|
| Core | $11 |
| Enhanced | $24 |
Vision
| Plan | Employee cost per paycheck |
|---|---|
| Core | $6 |
| Enhanced | $11 |
Get the rates for group legal, optional life insurance, long-term disability buy-up option, and all other supplemental benefits.
Frequently Asked Questions
What happens if my salary increases above the salary range used to determine my healthcare contributions as a result of a promotion or a mid-year pay change?
What happens if my salary increases above the salary range used to determine my healthcare contributions as a result of a promotion or a mid-year pay change?
Your contributions remain the same for the duration of the calendar year. We use your current annual base salary prior to US Benefits Annual Enrollment to determine your contributions for the full calendar year. Updates to contributions will be recalculated at the next Annual Enrollment.
Am I eligible for the Health Reimbursement Account (HRA) if my salary increases above $70,000 during the calendar year?
Am I eligible for the Health Reimbursement Account (HRA) if my salary increases above $70,000 during the calendar year?
If you are currently eligible for the HRA, you will be able to participate for the duration of the calendar year. Updates to eligibility will be applied based on your annual base salary at the next US Benefits Annual Enrollment.
How do I change my medical plan?
How do I change my medical plan?
You can only change your benefit elections during the designated US Benefits Annual Enrollment period or if you experience a qualified life event (i.e., marriage, birth of a child, or significant cost event). You have 31 days from the life event to notify YBR and change your coverage. Changes can be made online with YBR (@Work) | (Log In) or by calling the Customer Service Center.