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Division of Pensions & Benefits

Local Education Percentage Calculator

Required Health Benefit Contribution Calculator for Local Education Employees. Use this calculator to find your estimated Health Benefit Contribution. All calculations use the SEHBP plan rates effective January - December 2019.

Step One: Enter Your Annual Salary
Enter your annual salary to the nearest dollar. Use numbers only - No commas. Do not include overtime, bonuses, etc.

Step Two: Select your payroll schedule

12-Month Employees
Monthly (12 pay periods)
Bi-monthly (24 pay periods)
Bi-weekly (26 pay periods)

10-Month Employees
Monthly (10 pay periods)
Bi-monthly (20 pay periods)
Bi-weekly (22 pay periods)

Step Three: Select your medical plan and level of coverage

PPO Plans


Aetna Freedom Zero

Single Coverage
Member & Spouse/Partner* Coverage
Family Coverage
Parent Child(ren) Coverage

NJ DIRECT ZERO

Single Coverage
Member & Spouse/Partner* Coverage
Family Coverage
Parent Child(ren) Coverage

Aetna Freedom 15

Single Coverage
Member & Spouse/Partner* Coverage
Family Coverage
Parent Child(ren) Coverage

NJ DIRECT15

Single Coverage
Member & Spouse/Partner* Coverage
Family Coverage
Parent Child(ren) Coverage

Aetna Freedom 10

Single Coverage
Member & Spouse/Partner* Coverage
Family Coverage
Parent Child(ren) Coverage

NJ DIRECT 10

Single Coverage
Member & Spouse/Partner* Coverage
Family Coverage
Parent Child(ren) Coverage

Aetna Freedom1525

Single Coverage
Member & Spouse/Partner* Coverage
Family Coverage
Parent Child(ren) Coverage

NJ DIRECT1525

Single Coverage
Member & Spouse/Partner* Coverage
Family Coverage
Parent Child(ren) Coverage

Aetna Freedom2030

Single Coverage
Member & Spouse/Partner* Coverage
Family Coverage
Parent Child(ren) Coverage

NJ DIRECT2030

Single Coverage
Member & Spouse/Partner* Coverage
Family Coverage
Parent Child(ren) Coverage

Aetna Freedom2035

Single Coverage
Member & Spouse/Partner* Coverage
Family Coverage
Parent Child(ren) Coverage

NJ DIRECT2035

Single Coverage
Member & Spouse/Partner* Coverage
Family Coverage
Parent Child(ren) Coverage


HMO Plans

High Deductible Health Plans

Aetna HMO

Single Coverage
Member & Spouse/Partner* Coverage
Family Coverage
Parent Child(ren) Coverage

Horizon HMO

Single Coverage
Member & Spouse/Partner* Coverage
Family Coverage
Parent Child(ren) Coverage

Aetna HMO 1525

Single Coverage
Member & Spouse/Partner* Coverage
Family Coverage
Parent Child(ren) Coverage

Horizon HMO 1525

Single Coverage
Member & Spouse/Partner* Coverage
Family Coverage
Parent Child(ren) Coverage

Aetna HMO 2030

Single Coverage
Member & Spouse/Partner* Coverage
Family Coverage
Parent Child(ren) Coverage

Horizon HMO 2030

Single Coverage
Member & Spouse/Partner* Coverage
Family Coverage
Parent Child(ren) Coverage

Aetna HMO 2035

Single Coverage
Member & Spouse/Partner* Coverage
Family Coverage
Parent Child(ren) Coverage

Horizon HMO 2035

Single Coverage
Member & Spouse/Partner* Coverage
Family Coverage
Parent Child(ren) Coverage

Aetna Value HD 1500

Single Coverage
Member & Spouse/Partner* Coverage
Family Coverage
Parent Child(ren) Coverage

NJ Direct HD 1500

Single Coverage
Member & Spouse/Partner* Coverage
Family Coverage
Parent Child(ren) Coverage


Step Four: Select your prescription plan level of coverage

SEHBP Employee Prescription Drug Plan — Select Level of Coverage. Select Level of Coverage
  • Single Coverage
  • Member & Spouse/Partner* Coverage
  • Family Coverage
  • Parent Child(ren) Coverage
Separate Non-SEHBP Prescription Drug Plan — Select Level of Coverage and enter Monthly Premium. Select Level of Coverage
  • Single Coverage
  • Member & Spouse/Partner* Coverage
  • Family Coverage
  • Parent Child(ren) Coverage

$ .00 Enter monthly drug plan premium amount to the nearest dollar.
Numbers only - No commas.


High Deductible Health Plan (HDHP) — SHBP Prescription Drug Coverage is included in High Deductible Health Plan costs

Prescription Drug coverage included with your SEHBP Medical Plan — Plans other than High Deductible Health Plans.

No Prescription Plan — Check here if not covered by a Prescription Drug Plan

*Partner means a Civil Union Partner or an eligible same-sex Domestic Partner as defined under P.L. 2003, c. 246, the Domestic Partnership Act.


Step Five: Calculate Your Contribution

Click the "Calculate Contribution" button to see your Health Benefit Contributions

Note: this calculator is for informational purposes only. All calculations are estimates and may differ from the actual amounts deducted from payroll.

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Last Updated: Friday, 10/04/19