2024 MCAP Rates
If you qualify, Stanford pays up to the full employee contribution of the lowest-cost medical plan when you cover your spouse and/or your children. If you are enrolled in a university-sponsored plan other than the lowest-cost plan, you pay the difference between what the university will pay for the lowest-cost plan and the plan you select. MCAP does not apply to the ACA Basic High Deductible Medical plan. Below are the 2024 per-pay-period costs for Stanford’s medical plans at each subsidy level.
Income & Subsidy Levels
Your family’s Adjusted Gross Income | Amount the university will pay toward your cost for family Can coverage |
|---|---|
$76,000 and below | 100% |
$76,001 - $84,000 | 75% |
$84,001 – $92,000 | 50% |
$92,001 - $100,000 | 25% |
Above $100,000 | No subsidy |
Rate Sheets by Plan, With Awarded Subsidy
Kaiser Permanente HMO | Semi-Monthly Premiums | |
|---|---|---|
Subsidy Level | Your Contribution | |
| Employee & Spouse/Registered Domestic Partner | 100% | $0.00 |
| Employee & Child(ren) | 100% | $0.00 |
| Employee & Family | 100% | $0.00 |
| Employee & Spouse/Registered Domestic Partner | 75% | $46.24 |
| Employee & Child(ren) | 75% | $39.63 |
| Employee & Family | 75% | $63.85 |
| Employee & Spouse/Registered Domestic Partner | 50% | $92.47 |
| Employee & Child(ren) | 50% | $79.27 |
| Employee & Family | 50% | $127.70 |
| Employee & Spouse/Registered Domestic Partner | 25% | $138.71 |
| Employee & Child(ren) | 25% | $118.90 |
| Employee & Family | 25% | $191.55 |
Stanford Select Copay Health Plan | Semi-Monthly Premiums | |
|---|---|---|
Subsidy Level | Your Contribution | |
| Employee & Spouse/Registered Domestic Partner | 100% | $215.64 |
| Employee & Child(ren) | 100% | $189.40 |
| Employee & Family | 100% | $264.95 |
| Employee & Spouse/Registered Domestic Partner | 75% | $261.87 |
| Employee & Child(ren) | 75% | $229.03 |
| Employee & Family | 75% | $328.80 |
| Employee & Spouse/Registered Domestic Partner | 50% | $308.11 |
| Employee & Child(ren) | 50% | $268.66 |
| Employee & Family | 50% | $392.65 |
| Employee & Spouse/Registered Domestic Partner | 25% | $354.34 |
| Employee & Child(ren) | 25% | $308.29 |
| Employee & Family | 25% | $456.50 |
Stanford Choice High Deductible Health Plan | Semi-Monthly Premiums | |
|---|---|---|
Subsidy Level | Your Contribution | |
| Employee & Spouse/Registered Domestic Partner | 100% | $65.97 |
| Employee & Child(ren) | 100% | $59.40 |
| Employee & Family | 100% | $70.53 |
| Employee & Spouse/Registered Domestic Partner | 75% | $112.20 |
| Employee & Child(ren) | 75% | $99.03 |
| Employee & Family | 75% | $134.38 |
| Employee & Spouse/Registered Domestic Partner | 50% | $158.44 |
| Employee & Child(ren) | 50% | $138.66 |
| Employee & Family | 50% | $198.23 |
| Employee & Spouse/Registered Domestic Partner | 25% | $204.67 |
| Employee & Child(ren) | 25% | $178.29 |
| Employee & Family | 25% | $262.07 |
Stanford Choice High Deductible Health Plan (Out of Area) | Semi-Monthly Premiums | |
|---|---|---|
Subsidy Level | Your Contribution | |
| Employee & Spouse/Registered Domestic Partner | 100% | $23.85 |
| Employee & Child(ren) | 100% | $21.44 |
| Employee & Family | 100% | $24.59 |
| Employee & Spouse/Registered Domestic Partner | 75% | $70.09 |
| Employee & Child(ren) | 75% | $61.07 |
| Employee & Family | 75% | $88.44 |
| Employee & Spouse/Registered Domestic Partner | 50% | $116.32 |
| Employee & Child(ren) | 50% | $100.71 |
| Employee & Family | 50% | $152.29 |
| Employee & Spouse/Registered Domestic Partner | 25% | $162.56 |
| Employee & Child(ren) | 25% | $140.34 |
| Employee & Family | 25% | $216.14 |