Partners for Health

2026 Premiums

State Plan

• Active Employees 
  
• Retirees 
  
• Active COBRA Participants 
  
• Retirees COBRA Participants 
  

Local Education Plan

• Active Employees 
• Teacher Retirees 
  
• Support Staff Retirees 
  
• COBRA Participants 
  

Local Government Plan

• Active Employees 
• Retirees 
  
• COBRA Participants

2026 Dental  Insurance

The state pays one-half of dental coverage premiums (all coverage tiers) for active central state government and state higher education employees. This premium funding change automatically occurs in Edison. Local education and local government employees are eligible for coverage if your agency chooses to offer it. State offline agency employees, local education and local government employees and retirees pay the full monthly premium. Check with your agency benefits coordinator to find out if you’re eligible.

• Dental

2026 Vision Insurance

Members pay the full monthly premium.

• Vision

2026 Premiums

The state pays 100% of the premiums for employee basic term life/basic accidental death and dismemberment insurance. This change automatically occurs in Edison. Employees of state offline agencies should consult with their agency benefits coordinator about premiums.

Employees can buy voluntary accidental death and dismemberment insurance to give additional protection if the employee or employee’s covered dependent’s death or dismemberment is due to an accident. This is in addition to the employee basic AD&D coverage. Employees pay the full monthly premium.

Employees can buy voluntary term life insurance for themselves, their spouse and their children. Employees pay the full monthly premium.

• Employee Basic Term Life/Basic AD&D
• Employee and Dependent Voluntary Term Life
• Employee and Dependent Voluntary AD&D

Supplemental medical insurance coverage for retirees with Medicare is available. The state pays part of the monthly premium for retired state employees and school teachers with 15 or more years of service.

• The Tennessee Plan 2026

Members pay the full monthly premium for short-term disability insurance coverage.

• Short Term 2026

The state pays the full monthly premium for long-term disability insurance option 3 for active central state government and state higher education employees. Employees can choose LTD options 1, 2 or 4, but will pay the full monthly premium for these options. Employees of state offline agencies should consult with their agency benefits coordinator about premiums.

• Long Term 2026