Insurance Overview

KPPA provides group rates on medical insurance for retired members, spouses, and dependents up to age 26. Participation in the insurance program is your choice, but you must submit the required forms when you retire or begin receiving benefits as a beneficiary, or during Open Enrollment. If the insurance enrollment form is not completed when you retire or start getting beneficiary benefits, you are automatically enrolled in a default insurance plan. Each year during Open Enrollment, you can apply or make changes to your insurance coverage.

2025 Non-Medicare Insurance Information

2025 Medicare Insurance Information

Insurance Contribution

KPPA contributes toward the monthly insurance premium based on participation date, years of service, and type of service (hazardous or nonhazardous). Keep in mind that most service purchases made after August 1, 2004 do not count toward insurance benefits, with the exception of: Omitted Service, Recontribution of Refunded Service, Hazardous Conversion, and service credit for Free Military and Sick Leave.

Percentage Contribution

For members with a participation date prior to July 1, 2003, KPPA pays a percentage of the monthly contribution rate for insurance coverage based on the retired member's years of service and type of service. Refer to the links above to find current rates.

Dollar Contribution

For members with participation dates July 1, 2003 - August 31, 2008, the member must have at least 120 months of service in the state-administered retirement systems to be eligible for insurance benefits.

Nonhazardous members will receive a monthly contribution of $10 for each year of service.
Hazardous members will receive a monthly contribution of $15 for each year of service.

For retired re-employed members whose re-employment begins between July 1, 2003, and August 31, 2008, the second account will stand on its own with regard to KPPA-paid insurance.

For members with a participation date on or after September 1, 2008, the member must have at least 180 months of service in the state-administered retirement systems.

Nonhazardous members will receive a monthly contribution of $10 for each year of service.
Hazardous members will receive a monthly contribution of $15 for each year of service.

Refer to the links above to find current dollar contribution amounts.

Since July 2004, the monthly dollar contribution has increased annually by a 1.5% Cost of Living Adjustment (COLA). The annual increase is cumulative and continues to accrue after the member’s retirement for as long as a monthly insurance contribution is payable to the retired member or beneficiary.

*Upon the retiree’s death, the spouse of a hazardous member will receive a monthly insurance contribution of $10 for each year of hazardous service, provided the spouse is designated as beneficiary and remains eligible for monthly benefits.

Dollar Contribution Reimbursement Plan

Retired members eligible for dollar contribution who do not elect coverage through KPPA may be eligible to have premiums reimbursed for insurance coverage under a non-KPPA plan. To learn more about this new program, read our FAQs.

Waiving Coverage

You are required to fill out an insurance enrollment form indicating that you would like to waive coverage with KPPA, otherwise you will be enrolled in a default insurance plan.

If insurance coverage is waived through KPPA, the insurance contribution is forfeited and coverage through KPPA cannot be obtained until the next annual Open Enrollment period, unless a qualifying event occurrs.

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