Medical Premiums

To ensure costs are shared fairly across all employees, Duke is introducing a sliding-scale approach to medical premiums based on salary. Learn more at Salary-Based Premiums.

2027 Monthly Premiums

2027 Biweekly Premiums

*The Duke Basic plan will end after 2029 and is only available to current participants.

Salary-tiered premiums do not apply to retiree health or COBRA premiums, part-time employees working less than 30 hours per week, house staff/medical residents, post-doctoral classifications paid through the non-compensatory payroll, and employees in an inactive status due to disability.

Tobacco Use Surcharge

• Duke charges employees covered under a Duke medical insurance plan who smoke or use other forms of tobacco an extra $50 per month for Monthly paid employees and $23 per pay period for Biweekly paid employees. The surcharge does not apply to dependents who use tobacco. “Tobacco user” includes anyone who has used tobacco more than five times in the previous two months. Tobacco use includes smoking and use of snuff, e-cigarettes, or chewing tobacco. The use of a nicotine patch and nicotine gum are not subject to the surcharge.
• The monthly surcharge will be removed upon completion of a tobacco cessation program through LIVE FOR LIFE, Duke’s employee wellness program. If you think you might be unable to complete the program, you may request to complete an alternative program or meet a reasonable alternative standard. Completion of an alternative activity may allow you to avoid the surcharge. Contact us at (919) 684-5600 and we will work with you (and, if you wish, with your doctor) to find the best method for achieving your best health.
• Upon completion of a tobacco cessation program, the surcharge will be removed and you will receive a full refund of all tobacco surcharges paid during the current calendar year. For more information: visit Tobacco Cessation.