2022 Plan Rates

See highlights and other information for 2022 Benefits Open Enrollment.

Health plan rates

Staff and Faculty
Semimonthly health plan rates as of January 1, 2022
Coverage TierMIT Traditional Health PlanMIT Choice Health PlanMIT High Deductible Health Plan
Employee$116.00$126.00$93.00
Employee + Spouse (or Domestic Partner) $279.00$300.50$230.50
Employee + Child(ren)$238.50$257.00$197.00
Family$367.50$397.00$300.50
Support and Service
Weekly health plan rates as of January 1, 2022
Coverage TierMIT Traditional Health PlanMIT Choice Health PlanMIT High Deductible Health Plan
Employee$51.23$55.85$40.62
Employee + Spouse (or Domestic Partner) $123.00$132.92$100.62
Employee + Child(ren)$107.77$116.31$88.62
Family$163.85$177.46$132.92
Postdoctoral scholars
More information

Learn more about the MIT health plans.

Dental plan rates

Dental plan rates as of January 1, 2022
Coverage TierMIT Basic Dental Plan
 Staff/Faculty Semimonthly RateSupport/
Service Weekly Rate
Postdoctoral Fellow Semimonthly Rate
Employee$3.00$1.38$18.50
Employee + Spouse (or Domestic Partner) $10.00$4.62$34.00
Employee + Child(ren)$10.00$4.62$34.00
Family$15.50$7.15$51.00
Coverage TierMIT Comprehensive Dental Plan
 Staff/Faculty Semimonthly RateSupport/
Service Weekly Rate
Postdoctoral Fellow Semimonthly Rate
Employee$10.50$4.85$26.00
Employee + Spouse (or Domestic Partner) $29.50$13.62$53.50
Employee + Child(ren)$29.50$13.62$53.50
Family$45.00$20.77$80.50
More information

Learn more about the MIT dental plans.

Vision plan rates

Vision plan rates as of January 1, 2022
Coverage TierVision Plan
 Staff/Faculty Semimonthly RateSupport/Service Weekly RatePostdoctoral Fellow Semimonthly Rate
Employee$2.89$1.33$2.89
Employee + Spouse (or Domestic Partner) $5.50$2.54$5.50
Employee + Child(ren) $5.78$2.67$5.78
Family$8.50$3.92$8.50
More information

Learn more about the MIT vision plan.

Life insurance rates

There will be a 12% decrease in employee costs for optional life insurance in 2022. There is no change to employee costs for dependent life insurance in 2022. You can view current rates on the optional life insurance and dependent life insurance web pages.

2022 Optional Life Insurance Rates
Age on January 1 Monthly cost per $1,000 of coverage
Under age 30$0.018
Age 30 - 39$0.024
Age 40 - 44$0.030
Age 45 - 49$0.060
Age 50 - 54$0.090
Age 55 - 59$0.143
Age 60 - 64$0.199
Age 65 - 69$0.348
Age 70 - 74$0.554
Age 75 - 79$0.841
Age 80+$1.269

Example: You are age 42 and would like to purchase $250,000 in Optional Life Insurance. Your monthly cost would be $0.030 per $1,000 of coverage ($0.030 x 250) or $7.50 per month. Actual semi-monthly or weekly payroll premium may be different due to rounding.

Flexible Spending Accounts

The Flexible Spending Account (FSA) maximums will remain the same, $2,750 for the Health Care FSA and $5,000 for the Dependent Care FSA, unless otherwise stated by the IRS.

Due to COVID regulations, employees' entire balance of unused Health Care FSA funds will be carried over from 2021 to 2022. Previously, employees could only carry over up to $550 from one plan year to the next. Once you have exhausted your 2022 election amount, you will automatically have access to your 2021 carryover balance.

Also, employees' entire balance of unused Dependent Care FSA funds will be carried over from 2021 to 2022. Dependent Care FSA carryover only applies to 2020 and 2021 plan years. You will have access to your 2021 Dependent Care carry over funds as of May 15, 2022.

What Else You Should Know

If you are eligible to receive benefits, you may include your domestic partner in your medical, dental, or vision plan coverage. Learn how MIT defines a domestic partner and how a domestic partnership affects your taxes.