Current USG retirees who retired prior to January 1, 2023, are not subject to the USG Years of Service policy. The USG healthcare contribution is determined annually and approved by the board. USG will share a percentage of employee and employer costs.
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Pre-65 Healthcare Rates
For employees hired on or after January 1, 2013, who retire on or after January 1, 2023, the employer contribution will be prorated based on your Years of Service with USG or the State of Georgia.
To calculate your contribution, follow these steps or use the retiree healthcare contribution calculator:
- Calculate your years of service and find the applicable percentage on the Years of Service Chart above
- Based on the healthcare plan that you are currently enrolled in, take the monthly employer rate listed below
- Multiply the employer contribution percentage x the monthly employer rate
2026 Monthly Employer Healthcare Costs for Pre-65 Retirees
Coverage Tier Anthem Consumer Choice HSA Anthem Comprehensive Care Anthem BlueChoice HMO Kaiser Permanente HMO Non-Medicare Retiree Only $708.14 $708.14 $708.14 $529.94 Non-Medicare Spouse Only $731.22 $731.22 $731.22 $919.98 Child(ren) only $525.60 $525.60 $525.60 $390.04 Non-Medicare Retiree + Child(ren) $1,233.74 $1,233.74 $1,233.74 $919.98 Non-Medicare Spouse + Child(ren) $1,256.82 $1,256.82 $1,2856.82 $858.58 Non-Medicare Retiree + Non-Medicare Spouse $1,439.36 $1,439.36 $1,439.36 $1,073.30 Family (Non-Medicare Retiree + Non-Medicare Spouse + Child(ren)) $2,056.24 $2,056.24 $2,056.24 $1,533.30 Family (Non-Medicare Retiree + Child(ren)) $1,233.74 $1,233.74 $1,233.74 $919.98 Family (Non-Medicare Spouse + Child(ren)) $1,256.82 $1,256.82 $1,256.82 $858.58 2026 Monthly Healthcare Costs for Pre-65 Medicare Eligible Retirees
Coverage Tier Anthem Consumer Choice HSA Anthem Comprehensive Care Anthem BlueChoice HMO Kaiser Permanente HMO Pre-65 Medicare Retiree or
Pre-65 Medicare Spouse Only or
Pre-65 Medicare Child +26 yrs old
$105.14 $203.84 $285.94 $173.14 Pre-65 Medicare Retiree + Child(ren) or
Pre-65 Medicare Spouse + Child(ren)
$230.16 $431.12 $555.60 $381.84 Non-Medicare Retiree + Pre-65 Medicare Spouse
Pre-65 Medicare Retiree + Pre-65 Medicare Spouse
$210.28 $436.80 $571.88 $391.64 Pre-65 Medicare Retiree + Non-Medicare Spouse $268.52 $507.82 $648.20 $453.04 Family (Non-Medicare Retiree + Non-Medicare Spouse + Child(ren))
Family (Pre-65 Medicare Retiree + Non-Medicare Spouse + Child(ren))
$383.60 $735.10 $841.54 $600.34 Family (Pre-65 Medicare Retiree + Child(ren)) $230.16 $431.12 $555.60 $381.84 Family (Pre-65 Medicare Spouse + Child(ren)) $230.16 $431.12 $555.60 $381.84 Family (Pre-65 Medicare Retiree + Pre-65 Medicare Spouse + Child(ren)) $335.30 $634.96 $841.54 $554.98 Family (Non-Medicare Retiree + Child(ren)) $230.16 $460.24 $555.60 $381.84 Family (Non-Medicare Spouse + Child(ren)) $230.16 $531.26 $631.92 $488.60 Contribution Example:
Pre-65 Retiree with 15 years of service
Enrolled in Comprehensive Care
Non-Medicare retiree only
Monthly employer cost: $708.14 15 years of service: 43% USG employer contribution: $304.50 Note: If a retiree meets the definition of a retiree as defined under the Board of Regents 8.2.8.2 and 8.2.8.4 (career state), USG will recognize former state service as years of service for the employer contribution.