Working Spouse Premium

Employees continue to have the option of covering working spouses on Purdue’s medical plans. However, rising medical costs have made covering spouses more challenging for us in recent years. For that reason, spouses who have access to medical coverage through their employer but choose not to enroll in it will be charged an additional premium. This premium will help offset some of the additional costs while still allowing your spouse to receive primary coverage through Purdue.

The additional premiums for employees who wish to cover a working spouse in 2024 are:

$750 annually for employees who earn less than $50,250 and elect the employee/ spouse or family plan.
$1,500 annually for those who earn $50,250 or higher and elect the employee/spouse or family plan.

The additional premiums for employees who wish to cover a working spouse in 2025 are:

$875 annually for employees who earn less than $51,750 and elect the employee/ spouse or family plan.
$1,750 annually for those who earn $51,750 or higher and elect the employee/spouse or family plan.

Working Spouse Premium Criteria

You will have the Working Spouse Premium added only if:

Your spouse is employed or self-employed with access to a group plan at their place of employment and
Your spouse’s employer pays at least 50% of an employee-only premium and
Your spouse opts not to enroll in their employer’s plan and
Your spouse has primary coverage through Purdue

Please review the Working Spouse Guide for additional inforation.

Working Spouse Premium Waiver Form

If you will be covering your spouse through Purdue in 2024 or 2025, you will need to provide a Working Spouse Premium Waiver form ONLY if:

Your spouse is employed or self-employed, outside of Purdue, but does not have access to an employer group plan where at least 50% of the premium is paid for on their behalf. In this case, you are eligible for a waiver of the Working Spouse Premium by submitting this validation from your spouse's employer. In this case, coverage through Purdue will be their primary coverage. (Please Note: The offer of an Individual Coverage Health Reimbursement Account or ICHRA is not considered an employer group plan.)

Your spouse is employed or self-employed, outside of Purdue, has access to a group plan where at least 50% of the premium is paid for on their behalf, AND he/she takes the coverage through their employer. In this case, you are eligible for a waiver of the Working Spouse Premium by submitting this validation from your spouse's employer that he/she is taking their plan. Coverage through Purdue would be secondary to their employer's plan.

If one of the above applies to your working spouse, you must complete a Working Spouse Premium Waiver Form. The Working Spouse Premium Waiver Form is available below.

Premium Waiver Form and Resources

NOTE: Your spouse’s employer must also complete a section and sign the form.

2024 Working Spouse Premium Waiver Form

2025 Working Spouce Premium Waiver Form