The following table provides an overview of the employee’s monthly share of the premium as a percentage of the employee’s monthly salary for the Magnolia Local Plus plan, Employee Only coverage. For example, in 2025 based on a salary of $1,733.33 per month (full-time at $10.00 per hour), the employee would contribute 13.4% of that salary towards the healthcare premium.
Employee Premiums as a % of Salary for Employee Only Coverage Magnolia Local Plus, 2016 - 2025 $1733.33/mo ($10.00/hr) $2600.00/mo ($15.00/hr) $3466.66/mo ($20.00/hr) $4333.33/mo ($25.00/hr) $6066.66/mo ($35.00/hr) $7800.00/mo ($45.00/hr)
Employee Share of Premium $
Year
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
157.10 168.88 168.88 168.88 177.32 187.08 196.44 205.28 217.90 232.40
9.1% 9.7% 9.7% 9.7%
6.0% 6.5% 6.5% 6.5% 6.8% 7.2% 7.6% 7.9% 8.4% 8.9%
4.5% 4.9% 4.9% 4.9% 5.1% 5.4% 5.7% 5.9% 6.3% 6.7%
3.6% 3.9% 3.9% 3.9% 4.1% 4.3% 4.5% 4.7% 5.0% 5.4%
2.6% 2.8% 2.8% 2.8% 2.9% 3.1% 3.2% 3.4% 3.6% 3.8%
2.0% 2.2% 2.2% 2.2% 2.3% 2.4% 2.5% 2.6% 2.8% 3.0%
10.2% 10.8% 11.3% 11.8% 12.6% 13.4%
The following table provides an overview of the employee’s monthly share of the premium as a percentage of the employee’s monthly salary for the Magnolia Local Plus plan, Family coverage. For example, in 2025 based on a salary of $1,733.33 per month (full-time at $10.00 per hour), the employee would contribute 46.7% of that salary towards the healthcare premium.
Employee Premiums as a % of Salary for Family Coverage Magnolia Local Plus, 2016 - 2025 $1733.33/mo ($10.00/hr) $2600.00/mo ($15.00/hr) $3466.66/mo ($20.00/hr) $4333.33/mo ($25.00/hr) $6066.66/mo ($35.00/hr) $7800.00/mo ($45.00/hr)
Employee Share of Premium $
Year
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
546.74 587.74 587.74 587.74 617.12 651.06 683.62 714.38 758.32 808.74
31.5% 33.9% 33.9% 33.9% 35.6% 37.6% 39.4% 41.2% 43.7% 46.7%
21.0% 22.6% 22.6% 22.6% 23.7% 25.0% 26.3% 27.5% 29.2% 31.1%
15.8% 17.0% 17.0% 17.0% 17.8% 18.8% 19.7% 20.6% 21.9% 23.3%
12.6% 13.6% 13.6% 13.6% 14.2% 15.0% 15.8% 16.5% 17.5% 18.7%
9.0% 9.7% 9.7% 9.7%
7.0% 7.5% 7.5% 7.5% 7.9% 8.3% 8.8% 9.2% 9.7%
10.2% 10.7% 11.3% 11.8% 12.5% 13.3%
10.4%
An increase in health insurance costs can affect an employee’s annual Market Adjustment increase. For example, an employee earning $1,733.33 per month (or $10.00/hour) with Employee Only coverage would receive a 4% market adjustment as a base pay increase. The 4% would bring the employee’s monthly salary to $1,802.66 – an increase of $69.33 each month. However, the cost of Employee Only coverage increased by $14.50 in 2025. This increase in the health insurance premium results in the employee only gaining about a 3.2% base increase before taxes. Using the same example with the employee earning $1,733.33 per month (or $10.00/hour) with Family coverage results in the employee’s 4% market adjustment being reduced to about 1.1% before taxes. For 2025, the increase in premium for the family plan was $50.42.
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State Civil Service 2025 Annual Pay Plan Report
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