What Is the MPSERS Premium Subsidy?
Traditional retiree health insurance, with the district picking up part of the bill. Here's exactly how much, and exactly what it covers.
💬 GLP Retirement MinuteThe Basics
Available to members hired before September 4, 2012 (with some members who opted in during a one-time 2012 conversion window as an exception).
Covers the Master Health Plan, dental, and vision — not just a generic medical benefit.
Eligible dependents receive the same subsidy rate as the member — the coverage extends to your family, not just you.
Premium Subsidy members used to pay an additional 3% contribution toward this benefit — that requirement ended October 1, 2025. See What Comes Out of My Paycheck? for the full history.
The graded schedule above is the general rule — your specific subsidy percentage depends on your exact years of service. Log into miAccount to confirm your number precisely.
This is a real, substantial subsidy — not free coverage, but a meaningful discount that grows the longer you work, up to a genuine ceiling. If this is your track, it's one of the more valuable parts of your total retirement package, well worth confirming precisely rather than estimating.