2025 Premiums
Medical
BMO’s medical premiums are based on a tiered rate structure. Your total compensation earned from October 1, 2023 to September 30, 2024 will be used to determine your medical rate for 2025. Total compensation includes your base salary, overtime, shift differential, and variable pay related to work performance.
Active Employees
If you enroll in coverage for yourself and your dependents, including a domestic partner who is your tax dependent, your medical premiums are deducted on a before-tax basis from the first and second paycheck of each month.
| 2025 HDHP Monthly Before-Tax Premiums | ||||
| Total Compensation | Employee Only | Employee + Spouse | Employee + Child(ren) | Employee + Family |
| $70,999 or less | $146.50 | $336.00 | $278.00 | $423.50 |
| $71,000 - $130,999 | $184.00 | $424.50 | $351.00 | $534.50 |
| $131,000 - $175,999 | $205.00 | $472.50 | $390.50 | $594.00 |
| $176,000 - $285,999 | $231.50 | $532.50 | $440.50 | $670.00 |
| $286,000 and over | $261.50 | $601.50 | $497.00 | $757.50 |
| 2025 PPO Monthly Before-Tax Premiums | ||||
| Total Compensation | Employee Only | Employee + Spouse | Employee + Child(ren) | Employee + Family |
| $70,999 or less | $171.50 | $405.50 | $321.00 | $533.00 |
| $71,000 - $130,999 | $209.00 | $494.00 | $394.00 | $644.00 |
| $131,000 - $175,999 | $230.00 | $542.00 | $433.50 | $703.50 |
| $176,000 - $285,999 | $256.50 | $602.00 | $483.50 | $779.50 |
| $286,000 and over | $286.50 | $671.00 | $540.00 | $867.00 |
Non-Tax Dependent Domestic Partner
Premiums for non-tax-dependent domestic partners are deducted from your pay after taxes. The portion of your partner’s premium covered by BMO is treated as imputed income, which means you’ll owe FICA and income taxes on that amount.
Dental
Active Employees
If you enroll in coverage for yourself and your dependents, including a domestic partner who is your tax dependent, your dental premiums are deducted on a before-tax basis from the first and second paycheck of each month.
| 2025 Dental Monthly Premiums Deducted before-tax |
|
|---|---|
| Coverage Level | Delta Dental |
| Employee Only | $21.50 |
| Employee + Spouse or Tax-Dependent Domestic Partner | $47.00 |
| Employee + Child(ren) | $49.00 |
| Employee + Family | $64.00 |
Non-Tax Dependent Domestic Partner
Premiums for non-tax-dependent domestic partners are deducted from your pay after taxes. The portion of your partner’s premium covered by BMO is treated as imputed income, which means you’ll owe FICA and income taxes on that amount.
| 2025 Dental Monthly Premiums Deducted after-tax |
||||
|---|---|---|---|---|
| Coverage Level | Before-Tax Premium | After-Tax Premium |
Imputed Income Delta Dental | |
| Employee + Non-Tax- Dependent Domestic Partner |
$21.50 | + | $25.50 | $25.66 |
| Employee + Family | $38.50 | + | $25.50 | $25.66 |
BCBSIL Global Medical & Dental
Active Employees (Expat Only)
If you enroll in coverage for yourself and your dependents, including a domestic partner who is your tax dependent, your medical premiums are deducted on a before-tax basis from the first and second paycheck of each month.
Note: Enrollment in the BCBSIL Global Medical Plan is a combined enrollment with the BCBSIL Global Dental Plan.
| 2025 BCBSIL Global Medical & Dental Monthly Premiums Deducted before-tax |
||
|---|---|---|
| Coverage Level | BCBSIL Medical | BCBSIL Dental |
| Employee Only | $184.00 | $21.50 |
| Employee + Spouse or Tax-Dependent Domestic Partner |
$424.50 | $47.00 |
| Employee + Child(ren) | $351.00 | $49.00 |
| Employee + Family | $534.50 | $64.00 |
Non-Tax Dependent Domestic Partner (Expat Only)
Premiums for non-tax-dependent domestic partners are deducted from your pay after taxes. The portion of your partner’s premium covered by BMO is treated as imputed income, which means you’ll owe FICA and income taxes on that amount.
| 2025 BCBSIL Medical Monthly Premiums Deducted after-tax |
||||
|---|---|---|---|---|
| Coverage Level | Before-Tax Premium | After-Tax Premium |
Imputed Income | |
| Employee + Non-Tax- Dependent Domestic Partner |
$184.00 | + | $240.50 | $944.70 |
| Employee + Family | $294.00 | + | $240.50 | $944.70 |
| 2025 BCBSIL Dental Monthly Premiums Deducted after-tax |
||||
|---|---|---|---|---|
| Coverage Level | Before-Tax Premium | After-Tax Premium |
Imputed Income | |
| Employee + Non-Tax- Dependent Domestic Partner |
$21.50 | + | $25.50 | $16.54 |
| Employee + Family | $38.50 | + | $25.50 | $16.54 |
Vision
Active Employees
If you enroll in coverage for yourself and your dependents, including a domestic partner who is your tax dependent, your vision premiums are deducted on a before-tax basis from the first and second paycheck of each month.
| 2025 Vision Monthly Premiums Deducted before-tax |
||
|---|---|---|
| Coverage Level | VSP Base Plan | VSP Premier Plan |
| Employee Only | $7.40 | $14.28 |
| Employee + Spouse or Tax-Dependent Domestic Partner |
$14.78 | $26.00 |
| Employee + Child(ren) | $15.80 | $27.28 |
| Employee + Family | $25.24 | $42.12 |
Non-Tax Dependent Domestic Partner
If you enroll a non-tax dependent domestic partner, their premiums are deducted from your pay after taxes.
| 2025 Vision Monthly Premiums – Base Plan Deducted after-tax |
||||
|---|---|---|---|---|
| Coverage Level | Before-Tax Premium | After-Tax Premium |
Imputed Income | |
| Employee + Non-Tax- Dependent Domestic Partner |
$7.40 | + | $7.38 | N/A |
| Employee + Family | $17.86 | + | $7.38 | N/A |
| 2025 Vision Monthly Premiums – Premier Plan Deducted after-tax |
||||
|---|---|---|---|---|
| Coverage Level | Before-Tax Premium | After-Tax Premium |
Imputed Income | |
| Employee + Non-Tax- Dependent Domestic Partner |
$14.28 | + | $11.72 | N/A |
| Employee + Family | $30.40 | + | $11.72 | N/A |
Supplemental Life Insurance
If you enroll in Supplemental Life or Family Life insurance, the premium is deducted from the first and second paycheck of each month.
Employee Life Insurance
|
2025 Supplemental Life Insurance Monthly Premiums
Deducted after-tax
|
||
|---|---|---|
| Age | Non-Tobacco User Rate per $1,000 of coverage |
Tobacco User Rate per $1,000 of coverage |
| Under 25 | $0.034 | $0.050 |
| 25-29 | $0.034 | $0.060 |
| 30-34 | $0.043 | $0.080 |
| 35-39 | $0.060 | $0.107 |
| 40-44 | $0.077 | $0.155 |
| 45-49 | $0.111 | $0.213 |
| 50-54 | $0.179 | $0.398 |
| 55-59 | $0.333 | $0.679 |
| 60-64 | $0.504 | $1.067 |
| 65-69 | $0.965 | $2.008 |
| 70+ | $1.572 | $3.250 |
Family Life Insurance
|
2025 Family Life Insurance Monthly Premiums
Deducted after-tax
|
|||
|---|---|---|---|
| Coverage for Spouse | Premium | Coverage for Child(ren) | Premium |
| $25,000 | $4.55 | $10,000 | $1.67 |
| $50,000 | $9.08 | $15,000 | $2.50 |
| $100,000 | $18.17 | $20,000 | $3.34 |
| $150,000 | $27.25 | $25,000 | $4.17 |
The amount of Insurance for your spouse/domestic partner cannot exceed your total combined amount of Basic and Supplemental Life Insurance. The amount of Insurance for your child(ren) cannot exceed your total combined amount of Basic and Supplemental Life Insurance.
Long-Term Disability
If you enroll in Supplemental Long Term Disability (LTD) coverage, the premium is deducted from the first and second paycheck of each month.
| 2025 Supplemental Disability Monthly Premium Deducted before-tax |
|
|---|---|
| Coverage Level | Your Cost |
| Additional 15% of base pay (75% total) | $0.048 (annual premium per $100 of annual base pay) |
Accident Insurance
If you enroll in voluntary Accident Insurance, the premium is deducted after-tax from the first and second paycheck of each month.
| 2025 Accident Insurance Monthly Premiums Deducted after-tax |
||
|---|---|---|
| Coverage Level | High Plan | Low Plan |
| Employee Only | $5.00 | $2.53 |
| Employee + Spouse | $9.86 | $4.66 |
| Employee + Child(ren) | $10.29 | $5.29 |
| Employee + Family | $15.15 | $7.42 |
Critical Illness Insurance
If you enroll in voluntary Critical Illness Insurance, the premium is deducted after-tax from the first and second paycheck of each month. The premium is based on your benefit amount and smoker/non-smoker status.
| 2025 Critical Illness Insurance Monthly Premiums $10,000 benefit amount Deducted after-tax |
||||
|---|---|---|---|---|
| Non-Tobacco User | ||||
|
Age |
Employee |
Employee + Spouse |
Employee + Children |
Employee + Family |
|
Under 25 |
$3.10 |
$6.70 |
$3.70 |
$7.30 |
|
25-29 |
$3.40 |
$7.10 |
$4.00 |
$7.70 |
|
30-34 |
$3.90 |
$8.50 |
$4.50 |
$9.10 |
|
35-39 |
$4.80 |
$10.20 |
$5.40 |
$10.80 |
|
40-44 |
$6.60 |
$14.80 |
$7.20 |
$15.40 |
|
45-49 |
$10.20 |
$22.80 |
$10.80 |
$23.40 |
|
50-54 |
$16.00 |
$32.80 |
$16.60 |
$33.40 |
|
55-59 |
$18.40 |
$39.10 |
$19.00 |
$39.70 |
|
60-64 |
$21.40 |
$48.80 |
$22.00 |
$49.40 |
|
65-69 |
$22.40 |
$54.50 |
$23.00 |
$55.10 |
|
70+ |
$30.40 |
$69.00 |
$31.00 |
$69.60 |
| 2025 Critical Illness Insurance Monthly Premiums $10,000 benefit amount Deducted after-tax |
||||
|---|---|---|---|---|
| Tobacco User | ||||
|
Age |
Employee |
Employee + Spouse |
Employee + Children |
Employee + Family |
|
Under 25 |
$4.90 |
$10.70 |
$5.50 |
$11.30 |
|
25-29 |
$5.30 |
$11.40 |
$5.90 |
$12.00 |
|
30-34 |
$6.00 |
$13.30 |
$6.60 |
$13.90 |
|
35-39 |
$7.10 |
$15.80 |
$7.70 |
$16.40 |
|
40-44 |
$13.10 |
$26.50 |
$13.70 |
$27.10 |
|
45-49 |
$23.10 |
$51.70 |
$23.70 |
$52.30 |
|
50-54 |
$26.90 |
$62.80 |
$27.50 |
$63.40 |
|
55-59 |
$31.30 |
$78.90 |
$31.90 |
$79.50 |
|
60-64 |
$34.20 |
$96.10 |
$34.80 |
$96.70 |
|
65-69 |
$38.40 |
$106.60 |
$39.00 |
$107.20 |
|
70+ |
$44.00 |
$118.10 |
$44.60 |
$118.70 |
| 2025 Critical Illness Insurance Monthly Premiums $20,000 benefit amount Deducted after-tax |
||||
|---|---|---|---|---|
| Non-Tobacco User | ||||
|
Age |
Employee |
Employee + Spouse |
Employee + Children |
Employee + Family |
|
Under 25 |
$6.20 |
$13.40 |
$7.40 |
$14.60 |
|
25-29 |
$6.80 |
$14.20 |
$8.00 |
$15.40 |
|
30-34 |
$7.80 |
$17.00 |
$9.00 |
$18.20 |
|
35-39 |
$9.60 |
$20.40 |
$10.80 |
$21.60 |
|
40-44 |
$13.20 |
$29.60 |
$14.40 |
$30.80 |
|
45-49 |
$20.40 |
$45.60 |
$21.60 |
$46.80 |
|
50-54 |
$32.00 |
$65.60 |
$33.20 |
$66.80 |
|
55-59 |
$36.80 |
$78.20 |
$38.00 |
$79.40 |
|
60-64 |
$42.80 |
$97.60 |
$44.00 |
$98.80 |
|
65-69 |
$44.80 |
$109.00 |
$46.00 |
$110.20 |
|
70+ |
$60.80 |
$138.00 |
$62.00 |
$139.20 |
| 2025 Critical Illness Insurance Monthly Premiums $20,000 benefit amount Deducted after-tax |
||||
|---|---|---|---|---|
| Tobacco User | ||||
|
Age |
Employee |
Employee + Spouse |
Employee + Children |
Employee + Family |
|
Under 25 |
$9.80 |
$21.40 |
$11.00 |
$22.60 |
|
25-29 |
$10.60 |
$22.80 |
$11.80 |
$24.00 |
|
30-34 |
$12.00 |
$26.60 |
$13.20 |
$27.80 |
|
35-39 |
$14.20 |
$31.60 |
$15.40 |
$32.80 |
|
40-44 |
$26.20 |
$53.00 |
$27.40 |
$54.20 |
|
45-49 |
$46.20 |
$103.40 |
$47.40 |
$104.60 |
|
50-54 |
$53.80 |
$125.60 |
$55.00 |
$126.80 |
|
55-59 |
$62.60 |
$157.80 |
$63.80 |
$159.00 |
|
60-64 |
$68.40 |
$192.20 |
$69.60 |
$193.40 |
|
65-69 |
$76.80 |
$213.20 |
$78.00 |
$214.40 |
|
70+ |
$88.00 |
$236.20 |
$89.20 |
$237.40 |
Hospital Indemnity Insurance
If you enroll in voluntary Hospital Indemnity Insurance, the premium is deducted after-tax from the first and second paycheck of each month.
| 2025 Hospital Indemnity Insurance Monthly Premiums Deducted after-tax |
||
|---|---|---|
| Coverage Level | High Plan | Low Plan |
| Employee Only | $13.36 | $6.24 |
| Employee + Spouse | $28.65 | $13.53 |
| Employee + Child(ren) | $26.04 | $12.60 |
| Employee + Family | $41.33 | $19.89 |
Legal Insurance
If you enroll in voluntary Legal Insurance, the premium is deducted after-tax from the first and second paycheck of each month.
| 2025 Legal Insurance Monthly Premium Deducted after-tax |
|
|---|---|
| Option | Your Cost |
| ARAG Group Legal | $19.50 |
COBRA
| 2025 HDHP Medical Monthly COBRA Premiums | ||||
| Employee Only | Employee + Spouse | Employee + Child(ren) | Employee + Family | |
| BCBSIL | $781.13 | $1,796.61 | $1,484.14 | $2,265.28 |
| Kaiser (Colorado) | $554.46 | $1,164.37 | $1,053.48 | $1,663.39 |
| Kaiser (Oregon) | $490.74 | $1,079.63 | $956.94 | $2,041.49 |
| Kaiser (N. California) | $775.61 | $1,706.34 | $1,372.83 | $2,342.34 |
| Kaiser (S. California) | $602.27 | $1,324.99 | $1,066.01 | $1,818.85 |
| 2025 PPO Medical Monthly COBRA Premiums | ||||
| Employee Only | Employee + Spouse | Employee + Child(ren) | Employee + Family | |
| BCBSIL | $843.79 | $1,940.75 | $1,603.22 | $2,447.02 |
| Kaiser (Colorado) | $682.69 | $1,433.64 | $1,297.10 | $2,048.06 |
| Kaiser (Oregon) | $604.24 | $1,329.33 | $1,178.26 | $2,513.60 |
| Kaiser (N. California) | $954.99 | $2,100.97 | $1,690.32 | $2,884.06 |
| Kaiser (S. California) | $741.55 | $1,631.41 | $1,312.55 | $2,239.48 |
| 2025 Dental Monthly COBRA Premiums | |
|---|---|
| Coverage Level | Delta Dental |
| Employee Only | $43.50 |
| Employee + Spouse | $95.69 |
| Employee + Child(ren) | $100.04 |
| Employee + Family | $130.51 |
| 2025 BCBSIL Global Monthly COBRA Premiums | ||
|---|---|---|
| Coverage Level | BCBSIL Global Medical* (Expat Only) |
BCBSIL Global Dental Plan* (Expat Only) |
| Employee Only | $1,340.28 | $35.70 |
| Employee + Spouse | $2,547.96 | $78.54 |
| Employee + Child(ren) | $2,021.64 | $121.38 |
| Employee + Family | $3,316.02 | $164.22 |
*Enrollment in the BCBSIL Global Dental Plan is a combined enrollment with the BCBSIL Global Medical Plan.
| 2025 Vision Monthly COBRA Premiums | ||
|---|---|---|
| Coverage Level | VSP Base | VSP Premier |
| Employee Only | $7.51 | $14.52 |
| Employee + Spouse | $14.99 | $26.44 |
| Employee + Child(ren) | $16.03 | $27.74 |
| Employee + Family | $25.62 | $42.84 |