Medical Contribution Assistance Program (MCAP)
Stanford may lower the amount you pay to cover your family in a university-sponsored medical plan.
If you qualify, we subsidize a portion of your contributions for your health care based on your family income level and the premiums of the lowest-cost plan. If you and your dependents enroll in a plan other than the lowest-cost plan, you pay the difference between what the university will pay for the lowest-cost plan and your plan.
If you are currently receiving an MCAP award, you need to reapply each year.
|How to Apply||
|How it Works||
For example: If your combined family AGI is $66,000, the university will pay 100% of the cost of family coverage in the Kaiser HMO plan (in 2022, the employee contribution is $209.89 per paycheck). That means your health plan contributions will be $0 if you enroll in Kaiser, or $209.89 less than the regular employee contribution rate, per pay period, in one of the other plans.
|When Coverage Ends||
The subsidy stops if you no longer work at least 75% full‐time, or cover dependents (except in the case of temporary layoff, in which case it would continue). When your employment with Stanford ends, all contributions stop with your last Stanford paycheck, and no action is required. If you enroll in COBRA, your COBRA premiums will reflect the standard COBRA rate and not the offset amount you had been paying with the MCAP.
Income & Subsidy Levels
|IF YOUR FAMILY INCOME* IS...||THE UNIVERSITY WILL PAY...|
|$76,000 and below||100% of your cost for family coverage in the low-cost plan|
|$76,001 - $84,000||75% of your cost for family coverage in the low-cost plan|
|$84,001 - $92,000||50% of your cost for family coverage in the low-cost plan|
|$92,001 - $100,000||25% of your cost for family coverage in the low-cost plan|
|Above $100,000||No subsidy|
|*Adjusted Gross Income|