•  Middlesex County, NJ

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BENEFITS PIC
 
Health Insurance Plan Year
July 1st - June 30th
 
(Horizon uses calendar year for their benefits and deductibles.)
 
 
Below are links to each plan's design so that you can make comparisons as well as an updated cost chart listing each plan.
 
 
 
 
The district will not be offering new rate tiers due to the significant cost increase for these options. We will continue to offer single or family plans.
 
Opt-out forms will be accepted at anytime during the year should you choose to drop the health insurance. You can save the cost of deductions all year and earn back either $4000/family or $2500/single employee in June.
 
benefits  
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
 
 
Below is the information that along with your specific salary, will allow you to compute your total health benefit contribution amount.
 
The higher of 2 calculations is what you will pay for your health insurance benefits. 
 
1) Either 1.5% of your annual salary or
 
2) A percentage (based on the single or family charts below) of the benefit cost. Find your salary on the correct chart. 
 
Look at Year 4 and you will find your percentage.
 
That percentage, times the annual cost of your chosen Health Benefits, equals your annual contribution (if this number is greater than calculation #1).
 
 
HEALTH BENEFITS CONTRIBUTION FOR
SINGLE COVERAGE
(PERCENTAGE OF PREMIUM)*
 

Salary Range

Year 1

Year 2

Year 3

Year 4

less than 20,000

1.13%

2.25%

3.38%

4.50%

20,000-24,999.99

1.38%

2.75%

4.13%

5.50%

25,000-29,999.99

1.88%

3.75%

5.63%

7.50%

30,000-34,999.99

2.50%

5.00%

7.50%

10.00%

35,000-39,999.99

2.75%

5.50%

8.25%

11.00%

40,000-44,999.99

3.00%

6.00%

9.00%

12.00%

45,000-49,999.99

3.50%

7.00%

10.50%

14.00%

50,000-54,999.99

5.00%

10.00%

15.00%

20.00%

55,000-59,999.99

5.75%

11.50%

17.25%

23.00%

60,000-64,999.99

6.75%

13.50%

20.25%

27.00%

65,000-69,999.99

7.25%

14.50%

21.75%

29.00%

70,000-74,999.99

8.00%

16.00%

24.00%

32.00%

75,000-79,999.99

8.25%

16.50%

24.75%

33.00%

80,000-94,999.99

8.50%

17.00%

25.50%

34.00%

95,000 and over

8.75%

17.50%

26.25%

35.00%

 *Member contribution is a minimum of 1.5% of base salary towards Health Benefits
 
 

HEALTH BENEFITS CONTRIBUTION FOR
FAMILY COVERAGE
(PERCENTAGE OF PREMIUM)*

Salary Range

Year 1

Year 2

Year 3

Year 4

less than 25,000

0.75%

1.50%

2.25%

3.00%

25,000-29,999.99

1.00%

2.00%

3.00%

4.00%

30,000-34,999.99

1.25%

2.50%

3.75%

5.00%

35,000-39,999.99

1.50%

3.00%

4.50%

6.00%

40,000-44,999.99

1.75%

3.50%

5.25%

7.00%

45,000-49,999.99

2.25%

4.50%

6.75%

9.00%

50,000-54,999.99

3.00%

6.00%

9.00%

12.00%

55,000-59,999.99

3.50%

7.00%

10.50%

14.00%

60,000-64,999.99

4.25%

8.50%

12.75%

17.00%

65,000-69,999.99

4.75%

9.50%

14.25%

19.00%

70,000-74,999.99

5.50%

11.00%

16.50%

22.00%

75,000-79,999.99

5.75%

11.50%

17.25%

23.00%

80,000-84,999.99

6.00%

12.00%

18.00%

24.00%

85,000-89,999.99

6.50%

13.00%

19.50%

26.00%

90,000-94,999.99

7.00%

14.00%

21.00%

28.00%

95,000-99,999.99

7.25%

14.50%

21.75%

29.00%

100,000-109,999.99

8.00%

16.00%

24.00%

32.00%

110,000 and over

8.75%

17.50%

26.25%

35.00%

*Member contribution is a minimum of 1.5% of base salary towards Health Benefits 

 

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