Effective July 1, 2026
Full-Time Active State of Maine Employees
Deduction amounts below are biweekly for full-time employees. Part-time employee rates are prorated; contact Employee Health, Wellness, & Workers' Compensation for part-time premium rates.
(*Retiree Rates are located below the active employee rates. Rates for FY26 are located at the bottom of this page.)
Instructions: Locate the table below that contains your base annual salary. Find the level of coverage for you and any covered dependents within that table. Follow that row to the right to see the biweekly amounts for both the employee and the employer with and without the health credit.
The premium amounts listed below are for the period from July 1, 2026, through June 30, 2027.
| Base Annual Salary is Equal to or Less than $50,000 | ||||
| Level of Coverage | With the Health Credit | Without the Health Credit | ||
| Employee Deduction | State Contribution | Employee Deduction | State Contribution | |
| Employee Only | $0.00 | $598.71 | $29.94 | $568.77 |
| Employee & Spouse/Domestic Partner | $250.44 | $1,001.78 | $281.75 | $970.47 |
| Employee, Spouse/Domestic Partner & Children | $345.54 | $1,144.42 | $376.85 | $1,113.11 |
| Employee & Children | $143.52 | $841.40 | $174.83 | $810.09 |
| Family Contract (both employees, spouse/domestic partner work for the State, and share children) | $0.00 | $744.98 | $31.31 | $713.67 |
| Base Annual Salary is Between $50,000 - $100,000 | ||||
| Level of Coverage | With the Health Credit | Without the Health Credit | ||
| Employee Deduction | State Contribution | Employee Deduction | State Contribution | |
| Employee Only | $29.94 | $568.77 | $59.87 | $538.84 |
| Employee & Spouse/Domestic Partner | $281.75 | $970.47 | $313.05 | $939.17 |
| Employee, Spouse/Domestic Partner & Children | $376.85 | $1,113.11 | $408.15 | $1,081.81 |
| Employee & Children | $174.83 | $810.09 | $206.13 | $778.79 |
| Family Contract (both employees, spouse/domestic partner work for the State, and share children) | $31.31 | $713.67 | $62.61 | $682.37 |
| Base Annual Salary is Greater Than $100,000 | ||||
| Level of Coverage | With the Health Credit | Without the Health Credit | ||
| Employee Deduction | State Contribution | Employee Deduction | State Contribution | |
| Employee Only | $59.87 | $538.84 | $89.81 | $508.90 |
| Employee & Spouse/Domestic Partner | $313.05 | $939.17 | $344.36 | $907.86 |
| Employee, Spouse/Domestic Partner & Children | $408.15 | $1,081.81 | $439.46 | $1,050.50 |
| Employee & Children | $206.13 | $778.79 | $237.44 | $747.48 |
| Family Contract (both employees, spouse/domestic partner work for the State, and share children) | $62.61 | $682.37 | $93.92 | $651.06 |
Retirees Not on Medicare
Premium rates below do not reflect retirees who receive a prorated premium contribution.
| Level of Coverage | Monthly Pension Deduction | Monthly State Contribution |
| Retiree Only | $0.00 | $1,197.42 |
| Retiree + Spouse/DP | $1,252.22 | $1,252.22 |
| Retiree +Spouse/DP < 65 + Child(ren) | $1,727.70 | $1,252.22 |
| Retiree + Child(ren) | $717.62 | $1,252.22 |
| Surviving Spouse | $1,197.42 | $0.00 |
| Retiree on Medicare & Spouse under age 65 | $1,197.42 | $173.63 |
COBRA Participants
| Level of Coverage | Non-COBRA State Premium | COBRA Premium |
| Employee & Spouse/Domestic Partner | $2,504.44 | $2,554.53 |
| Employee, Spouse/Domestic Partner & Child(ren) | $2,979.92 | $3,039.52 |
| Employee & Children | $1,969.84 | $2,009.24 |
The premium amounts listed below are for the period from July 1, 2025, through June 30, 2026.
| Level 1: Base Annual Salary is Equal to or Less than $50,000 | ||||
| With the Health Credit | Without the Health Credit | |||
| Level of Coverage | Employee Deduction | State Contribution | Employee Deduction | State Contribution |
| Employee Only | $0.00 | $581.26 | $29.07 | $552.20 |
| Employee & Spouse/Domestic Partner | $243.15 | $972.59 | $273.54 | $942.20 |
| Employee, Spouse/Domestic Partner & Child(ren) | $335.48 | $1,111.08 | $365.87 | $1,080.69 |
| Employee & Child(ren) | $139.34 | $816.89 | $169.73 | $786.50 |
| Family Contract (both employees, spouse/domestic partner work for the State, and share children) | $0.00 | $723.28 | $30.39 | $692.89 |
| Level 2: Base Annual Salary is Between $50,000 - $100,000 | ||||
| With the Health Credit | Without the Health Credit | |||
| Level of Coverage | Employee Deduction | State Contribution | Employee Deduction | State Contribution |
| Employee Only | $29.06 | $552.20 | $58.13 | $523.13 |
| Employee & Spouse/Domestic Partner | $273.54 | $942.20 | $303.94 | $911.80 |
| Employee, Spouse/Domestic Partner & Child(ren) | $365.87 | $1,080.69 | $396.27 | $1,050.29 |
| Employee & Child(ren) | $169.73 | $786.50 | $200.13 | $756.10 |
| Family Contract (both employees, spouse/domestic partner work for the State, and share children) | $30.39 | $692.89 | $60.79 | $662.49 |
| Level 3: Base Annual Salary is Greater Than $100,000 | ||||
| With the Health Credit | Without the Health Credit | |||
| Level of Coverage | Employee Deduction | State Contribution | Employee Deduction | State Contribution |
| Employee Only | $58.13 | $523.13 | $87.19 | $494.07 |
| Employee & Spouse/Domestic Partner | $303.94 | $911.80 | $334.33 | $881.41 |
| Employee, Spouse/Domestic Partner & Child(ren) | $396.27 | $1,050.29 | $426.66 | $1,019.90 |
| Employee & Child(ren) | $200.13 | $756.10 | $230.52 | $725.71 |
| Family Contract (both employees, spouse/domestic partner work for the State, and share children) | $60.79 | $662.49 | $91.18 | $632.10 |