Insurance Premiums

Premium levels

The following things affect your health insurance premium costs:

  • Your choice of health care options**
  • The size and makeup of your family

There are four premium coverage levels:

  1. Employee only
  2. Employee + spouse
  3. Employee + child(ren)
  4. Employee+spouse+child(ren)
  • Where you work

Depending on whether you're in the state, local education or local government plan, you will pay a portion or all the premium for your health insurance.

**Broad Networks, BlueCross BlueShield Network P and Cigna Open Access Plus, cost more per month. See the Carrier Information webpage for details.

Insurance premiums for 2023

Health Insurance Premiums 

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.

*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

Life Insurance Premiums — State Plan Only

The state provides, at no cost to the employee, $20,000 of basic term life and $40,000 of basic accidental death and dismemberment (AD&D) coverage. If you enroll in health coverage, the amount of basic term life and AD&D coverage is based on your salary, which will increase as your salary increases. You will pay the premium for life/AD&D insurance coverage above the $20,000/$40,000 provided by the state. The premium is deducted monthly from your paycheck.

The Tennessee Plan - All Plans

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.

Other Insurance Coverages

The following coverages are voluntary benefits. Participants are responsible for paying the full cost of the monthly premium. Local education and local government employees are eligible for coverage if your agency chooses to offer it. Check with your agency benefits coordinator to find out if you are eligible.

Disability premiums