2026 Premiums
Medical
BMO uses a tiered rate structure for medical premiums. The amount you pay depends on your Total Compensation Benefits Base Rate (TCBBR).
For 2026, your TCBBR is your base salary, overtime, shift differential and any variable pay related to work performance that you receive between October 1, 2024, and September 30, 2025.
The actual TCBBR locked in for the calendar is the greater of the:
- Annual Base Salary as of September 30 (or current date for employees hired/rehired/transferred after October 1),
- Benefit Base Rate (BBR) as of September 30 (or current date for employees hired/rehired/transferred after October 1), or
- YTD (Benefit year – October 1 of prior year to September 30 of current year) TCBBR calculated amount based on the pay code list
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 pre-tax basis from the first and second paycheck of each month.
| 2026 HDHP Monthly Pre-Tax Premiums | ||||
| Total Compensation | Employee Only | Employee + Spouse | Employee + Child(ren) | Employee + Family |
| $70,999 or less | $156.50 | $358.50 | $296.50 | $451.50 |
| $71,000 - $130,999 | $196.50 | $453.00 | $374.50 | $570.00 |
| $131,000 - $175,999 | $218.50 | $504.00 | $416.50 | $633.50 |
| $176,000 - $285,999 | $247.00 | $568.00 | $470.00 | $714.50 |
| $286,000 and over | $279.00 | $641.50 | $530.00 | $808.00 |
| 2026 PPO Monthly Pre-Tax Premiums | ||||
| Total Compensation | Employee Only | Employee + Spouse | Employee + Child(ren) | Employee + Family |
| $70,999 or less | $183.00 | $432.50 | $342.50 | $568.50 |
| $71,000 - $130,999 | $223.00 | $527.00 | $420.00 | $687.00 |
| $131,000 - $175,999 | $245.50 | $578.00 | $462.50 | $750.00 |
| $176,000 - $285,999 | $273.50 | $642.00 | $515.50 | $831.50 |
| $286,000 and over | $305.50 | $715.50 | $576.00 | $924.50 |
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. Review Domestic Partner Premiums.
Dental
| 2026 Dental Monthly Premiums Deducted pre-tax |
||
|---|---|---|
| Coverage Level | Delta Dental Low Plan | Delta Dental High Plan |
| Employee Only | $15.00 | $25.00 |
| Employee + Spouse or Tax-Dependent Domestic Partner | $33.00 | $56.00 |
| Employee + Child(ren) | $35.00 | $59.00 |
| Employee + Family | $45.00 | $76.00 |
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. Review Domestic Partner Premiums.
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.
| 2026 Vision Monthly Premiums Deducted pre-tax |
||
|---|---|---|
| Coverage Level | VSP Low Plan | VSP High 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
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. Review Domestic Partner Premiums.
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
|
2026 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 | $0.033 | $0.050 |
| 25-29 | $0.033 | $0.060 |
| 30-34 | $0.041 | $0.080 |
| 35-39 | $0.058 | $0.103 |
| 40-44 | $0.074 | $0.150 |
| 45-49 | $0.107 | $0.206 |
| 50-54 | $0.173 | $0.384 |
| 55-59 | $0.321 | $0.655 |
| 60-64 | $0.486 | $1.030 |
| 65-69 | $0.931 | $1.938 |
| 70+ | $1.517 | $3.136 |
Family Life Insurance
|
2026 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 | $9.07 | $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.
| 2026 Supplemental Disability Monthly Premium Deducted pre-tax |
|
|---|---|
| Coverage Level | Your Cost |
| Additional 15% of base pay (75% total) | $0.060 (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.
| 2026 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.
| 2026 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 |
| 2026 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 |
| 2026 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 |
| 2026 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.
| 2026 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 Plan
If you enroll in the voluntary Legal Plan, the premium is deducted after-tax from the first and second paycheck of each month.
| 2026 Legal Plan Monthly Premium Deducted after-tax |
|
|---|---|
| Option | Your Cost |
| ARAG Group Legal | $20.50 |
COBRA
| 2026 HDHP Medical Monthly COBRA Premiums | ||||
| Employee Only | Employee + Spouse | Employee + Child(ren) | Employee + Family | |
| BCBSIL | $880.34 | $2,024.79 | $1,672.64 | $2,552.99 |
| Kaiser (Colorado) | $801.38 | $1,763.04 | $1,418.45 | $2,420.17 |
| Kaiser (Oregon) | $801.38 | $1,763.04 | $1,418.45 | $2,420.17 |
| Kaiser (N. California) | $801.38 | $1,763.04 | $1,418.45 | $2,420.17 |
| Kaiser (S. California) | $801.38 | $1,763.04 | $1,418.45 | $2,420.17 |
| 2026 PPO Medical Monthly COBRA Premiums | ||||
| Employee Only | Employee + Spouse | Employee + Child(ren) | Employee + Family | |
| BCBSIL | $950.98 | $2,187.26 | $1,806.86 | $2,757.85 |
| Kaiser (Colorado) | $1,001.85 | $2,204.04 | $1,773.28 | $3,025.60 |
| Kaiser (Oregon) | $1,001.85 | $2,204.04 | $1,773.28 | $3,025.60 |
| Kaiser (N. California) | $1,001.85 | $2,204.04 | $1,773.28 | $3,025.60 |
| Kaiser (S. California) | $1,001.85 | $2,204.04 | $1,773.28 | $3,025.60 |
| 2026 Dental Monthly COBRA Premiums |
||
|---|---|---|
| Coverage Level | Delta Dental Low Plan | Delta Dental High Plan |
| Employee Only | $36.91 | $47.43 |
| Employee + Spouse or Tax-Dependent Domestic Partner | $81.19 | $104.33 |
| Employee + Child(ren) | $84.88 | $109.08 |
| Employee + Family | $110.74 | $142.31 |
| 2026 Vision Monthly COBRA Premiums | ||
|---|---|---|
| Coverage Level | VSP Low Plan | VSP High Plan |
| 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 |