You pay your portion through deductions from your MIT pay each pay period. You are not taxed on the deductions for your health plan.
The amount you pay depends on the coverage tier you select, the plan you choose, and your employment category—Staff/Faculty, Support/Service, or Postdoctoral Fellows.
Plan Premiums for 2025
Staff and faculty (semimonthly)
| Coverage Tier | BCBS PPO+ Plan | BCBS HDHP |
|---|---|---|
| Employee | $127.00 | $86.50 |
| Employee + Spouse/Domestic Partner | $306.50 | $224.50 |
| Employee + Child(ren) | $262.00 | $190.50 |
| Family | $403.50 | $287.50 |
Support and service (weekly)
| Coverage Tier | BCBS PPO+ Plan | BCBS HDHP |
|---|---|---|
| Employee | $56.31 | $37.62 |
| Employee + Spouse/Domestic Partner | $135.69 | $97.62 |
| Employee + Child(ren) | $118.62 | $85.62 |
| Family | $180.46 | $126.92 |
What's changing in 2026
Changes to both the BCBS PPO+ Health Plan and the BCBS HDHP will take effect in 2026, including increases to deductibles, out-of-pocket maximums, and copays for office visits, inpatient hospital, and pharmacy.
See the Open Enrollment web page for 2026 premiums and details.
Postdoctoral Scholars
- Postdoctoral Associates: See Staff and Faculty premiums above
- Postdoctoral Fellows: See Student Health Insurance Plan (SHIP) information, as well as Benefits Eligibility for Postdoctoral Fellows
What Else You Should Know
Domestic partnership insurance and taxes
MIT's policy is the same for domestic partners as it is for married spouses and their eligible dependent children. You and MIT share the cost of coverage for your spouse/domestic partner and/or any eligible dependent children. You should be aware, however, that the Internal Revenue Service (IRS) imposes certain financial and tax regulations on health insurance costs in domestic partnerships. See the Domestic Partner Taxable Income publication (below).
