As a retired University of Minnesota employee, you pay the full cost of your medical benefits. However, because you are in the University's employee group contracts, the rates you pay are lower than what you would pay for a similar individual plan. Your monthly rates will depend on the plan you choose; learn more in the Medical Plan Comparison 2024 (pdf).
The medical plan options that are available to you vary by geographic location or zone. You can select your medical plan based on where you lived or work. So, for example, if you live in Greater Minnesota but worked in the Duluth area, you can choose a plan in either zone. However, to choose the ACO Plan, you must live in one of the counties in their service area.
Medical Plan Rates for Retirees Under 65
You pay the full cost for you and your eligible family members. Monthly rates are shown in three tiers and are determined by who has elected coverage.
You are eligible to participate in the University's Wellbeing Program, which offers incentives to participate in a wide variety of options to earn points. If you earned the required number of Wellbeing Points for a $500 or $750 reduction, your cost is shown in the Wellbeing Program Rates column. If you did not participate in or earn the required number of Wellbeing Points, your cost is shown in the Standard Rates column.
Please note that once you turn 65, you will lose your Wellbeing Program rate eligibility. Your spouse can still receive the Wellbeing Program rate if they are under 65.
2024 Rates
2024 Retiree-only, Spouse under age 65 only, Surviving Spouse only, or One Dependent Child only
| Plan | Wellbeing Program Rates | Standard Rates |
|---|---|---|
Medica Elect/Essential: Twin Cities & Duluth Base Plan Medica Choice Regional: Greater Minnesota Base Plan | $862.20 | $903.87 |
| Medica ACO Plan: Crookston area, Duluth area & parts of northeastern Minnesota, Rochester area, Twin Cities metro area | $815.53 | $857.20 |
| Medica Choice National | $1,068.81 | $1,110.48 |
| Medica HSA | $784.47 | $826.14 |
2024 Retiree and Children, Spouse under age 65 and Children, Surviving Spouse and Children, or Two or more Dependent Children only
| Plan | Wellbeing Program Rates | Standard Rates |
|---|---|---|
Medica Elect/Essential: Twin Cities & Duluth Base Plan Medica Choice Regional: Greater Minnesota Base Plan | $1,523.90 | $1,565.57 |
| Medica ACO Plan: Crookston area, Duluth area & parts of northeastern Minnesota, Rochester area, Twin Cities metro area | $1,439.85 | $1,481.52 |
| Medica Choice National | $1,879.82 | $1,921.49 |
| Medica HSA | $1,373.22 | $1,414.89 |
2024 Retiree and Spouse with or without Children
| Plan | Wellbeing Program Rates | Standard Rates |
|---|---|---|
Medica Elect/Essential: Twin Cities & Duluth Base Plan Medica Choice Regional: Greater Minnesota Base Plan | $2,281.51 | $2,344.01 |
| Medica ACO Plan: Crookston area, Duluth area & parts of northeastern Minnesota, Rochester area, Twin Cities metro area | $2,160.26 | $2,222.76 |
| Medica Choice National | $2,815.31 | $2,877.81 |
| Medica HSA | $2,115.45 | $2,177.95 |