Retiree Health Insurance Rates

Retiree Monthly Health Insurance Rates 2024

To enroll in an HMO or to remain enrolled in your current HMO, you must live or work† in the HMO’s NYSHIP service area.  If you reside outside New York State, your only NYSHIP option is The Empire Plan. If you move into an area served by a NYSHIP HMO, you will be eligible to change your option to an HMO at that time.

  Empire Plan CDPHP * HMO Blue * MVP *
Retirement prior to 1/1/83 
  • Individual: 0.00
  • Family: 427.35
  • Individual: 38.10
  • Family: 383.88
  • Individual: 0.00
  • Family: 343.27
  • Individual: 15.79
  • Family: 337.12
Retirement between 1/1/83-12/31/11, or on or after 1/1/12 for Classified Employees Grade 9 or below & UUP & MC Unclassified less than $49,403 **
  • Individual:130.86
  • Family: 592.40
  • Individual:158.15
  • Family: 490.61
 
  • Individual:115.14
  • Family: 485.87
 
  • Individual:137.27
  • Family: 487.46
 
Retirement on or after 1/1/12, for Classified Employees Grade 10 and above and UUP & MC Unclassified $49,403 and above **
  • Individual:174.49
  • Family: 704.40
  • Individual:198.16
  • Family: 586.37
 
  • Individual:153.52
  • Family: 579.17
 
  • Individual:177.76
  • Family: 582.52
 
Eligible survivors of active employees who died on or after 4/1/79 or of Retirees who retired on or after 4/1/79 **
  • Individual:109.05
  • Family: 536.40
 
  • Individual:138.14
  • Family: 442.73
 
  • Individual: 95.95
  • Family: 439.22
  • Individual:117.02
  • Family: 439.93
 Amended Dependent Survivors; Eligible survivors of active Employees who died between 4/1/75 and 3/31/79
  • Individual:427.35
  • Family: 427.35
 
  • Individual:338.88
  • Family: 338.88
 
  • Individual:343.27
  • Family: 343.27
 
  • Individual:337.12
  • Family: 337.12
 
Vestees, Long Term Disability Enrollees and all other Dependent Survivors
  • Individual:1,090.54
  • Family: 2,799.94
 
  • Individual:1,038.44
  • Family: 2,393.96
  • Individual:959.50
  • Family: 2,332.58
 
  • Individual:1,028.05
  • Family: 2,376.54
 
  • NO ACTION IS REQUIRED IF YOU WISH TO KEEP YOUR CURRENT HEALTH INSRUANCE OPTION AND STILL QUALIFY FOR THE PLAN
  • Medicare-primary enrollees will be enrolled in this option’s Medicare Advantage plan. †If Medicare primary, check with the plan.
  • **Enrollees covered under Preferred List provisions receive the same rates as enrollees who retired on or after 1/1/12
  • Choices Book  will provide more information on choosing your health insurance plan, including the NYSHIP Option Transfer Request.
  • Enrollee contributions for retirees, vestees, dependent survivors and enrollees covered under Preferred List Provisions. Rates for retirees do not reflect sick leave credit.
  • Option Transfer Information for Retirees, go to MyNYSHIP to change options online and you may use MyNYSHIP Flyer for more information.
  • Reminder: NYSHIP enrollees with retiree benefits are permitted to change health insurance options at any time, once during any 12-month period.
  • Employee Benefits Division: 1-800-833-4344 or 518-457-5754 – Monday through Friday between 9 a.m. – 4 p.m. Eastern time.
  • 2024 NYSHIP monthly comparision chart

IMPORTANT

NEW EMPIRE PLAN BENEFIT CHANGES AS OF JULY 1, 2023

The terms of a collective bargaining agreement between New York State and State employee unions have been administratively extended to retirees and vestees of New York State and their enrolled dependents. This will result in Empire Plan benefit and rate changes, effective July 1, 2023. 

Please use the Health Insurance rates for 2023 until your new rates for 2024 go into effect.

NYSHIP RATES COMPARISON CHART