Medical Insurance

Medical insurance is available to all eligible employees effective on the date of hire or the first day of the semester for faculty members. Eligible employees may select from one of the UnitedHealthcare medical plans listed below and have the option of choosing individual or family coverage.

Non-Classified Employees (Faculty/PSA/BOE)

UnitedHealthcare Active Plan Benefits Summary
UnitedHealthcare Choice Plus Plan with Health Savings Account (HSA) Benefits Summary

Click here to be redirected to the State Employee Benefits website and learn more about the Active and Choice Plus medical plans.

Classified Employees (ESPA), effective 1/1/2019

UnitedHealthcare Anchor Plan Benefits Summary
UnitedHealthcare Anchor Plus Plan Benefits Summary
UnitedHealthcare Anchor Choice with Health Savings Account (HSA) Plan Benefits Summary

Click here to be redirected to the State Employee Benefits website and learn more about the new Anchor plans.


Currently, there is no employer contribution to the HSA plan for new hires at this time.


Applicable co-shares will be deducted from the employees biweekly pay on a pre-tax basis. Employees who take a leave of absence without pay and wish to continue their medical coverage will be responsible for payment of any premiums due while on leave. Click on the schedule of current co-shares and scroll down to the applicable employment classification below:

CY2019 Bi-Weekly Co-Shares (Active & HSA Plan) (Effective 1/1/2019)

CY 2019 Bi-Weekly Co-Shares 26pp (CLASSIFIED-ESPA ONLY Eff 1/1/2019) 
CY 2019 Bi-Weekly Co-Shares 20pp (CLASSIFIED-ESPA ONLY Eff 1/1/2019)


Changes to medical insurance may be made during open enrollment, and take effect the first pay period in January, unless a Qualifying Status Change is experienced. A “Qualifying Status Change” may include marriage, the death of a spouse or child, birth or adoption of a child, divorce or legal separation from a spouse, and termination of spouse’s employment or reduction in spouse’s hours or employment resulting in loss of benefits.

Any change in employment classification that would result in the loss of eligibility to participate in the health insurance plan may qualify an employee for benefits continuation under the Consolidated Omnibus Budget Reconciliation Act (COBRA). Employees should refer to the COBRA (Continuation of Health Insurance Coverage) policy for more information.


To learn about Prescription coverage visit:

Waiving Medical Insurance

Should an employee already have insurance coverage through other means, he/she may elect to waive medical insurance coverage and receive additional money per year in taxable income (up to $1,001 for employees) -- this income shall not be taken into account when calculating other benefits that are pay related, such as life insurance. To elect this option, a State of RI Waiver of Health Coverage Form must be signed and submitted to the Office of Human Resources. Employees may also waive dental and/or vision plans if desired with no additional reimbursement.

Please note the following exceptions to the waiver:

  1. If two state-employed spouses are hired into state service on or after June 29, 2014, and both are eligible for health insurance, the health co-share rates will be based on the income of the higher earning spouse and the other spouse will not receive any waiver payment.
  2. 2) An employee may reverse the waiver should a change in family status result in a loss of coverage through other means.

Click here to download the health benefits forms

Need Help Choosing Your Plan?

Visit the Decision Support page for tools such as our Health Plans Comparison and ALEX® that can help you better understand your plan options and make the best choice for you and your family.

This page developed and maintained by The Office of Human Resources. Send comments and suggestions to

Last Updated: 12/13/18