Benefits Administration administers the state of Tennessee-sponsored insurance benefits for 290,000 state, higher education, local education and local government employees, dependents and retirees.


Our mission is to deliver comprehensive, affordable, dependable and sustainable benefits.

We want to help you better understand and access your insurance benefits!

Click here for changes to Coronavirus benefits.

See Carrier Information for important notices about network changes.

Health insurance premium information is provided for all three plans (state, local education and local government) for active employees, retirees and COBRA participants. Just select your category from the list below. Active state and higher education employees will see your premium as well as the amount the state pays for your coverage. For local education and local government, the premium amounts are the total premium before your employer contributes any money, if they do contribute. Your agency has a benefits coordinator trained to help employees in their insurance needs. This coordinator can provide you with specific premium information, including how much your employer may contribute to your premium and your employee deductions.

2024 Premiums

State Plan


Local Education Plan


Local Government Plan


2023 Premiums

State Plan


Local Education Plan


Local Government Plan*

*Please note, there are three different premium levels for health coverage in the local government plan. The rate is determined by a survey form completed by the new agency. For additional information, please email benefits.info@tn.gov.

Dental  Insurance

Effective Jan. 1, 2024, the state will pay one-half of dental coverage premiums (all coverage tiers) for active state and higher education employees. For those enrolled as of Jan. 1, 2024, this premium funding change will occur automatically in Edison. Local education and local government employees are eligible for coverage if your agency chooses to offer it. Local education and local government employees and retirees pay the full monthly premium. Check with your agency benefits coordinator to find out if you are eligible.


Vision Insurance

Members pay the full monthly premium.

2024 Premiums

Effective Jan. 1, 2024, the state will pay 100% of the premiums for employee basic term life/basic accidental death and dismemberment insurance. This change will automatically occur in Edison.

Employees can buy voluntary AD&D 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.


2023 Premiums

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.

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


Effective Jan. 1, 2024, the state will pay the full monthly premium for long-term disability insurance option 3 for active central state government and state higher education employeesEmployees 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.

Friday, December 08, 2023 | 09:00am

Insurance Committee

Nashville Room, 3rd Floor, Tennessee Tower, Nashville, TN and via WebEx. To the left is the link to the WebEx.

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