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What are Walmart's official 2025 employee health insurance premium rates, deductibles, and out-of-pocket maximums by plan tier?
Executive summary
Walmart’s official 2025 plan documents list multiple medical plan options (Premier, Contribution, Saver/HSA, Personalized Wellbeing Copay, etc.) and include detailed Summary of Benefits & Coverage (SBC) materials plus per-paycheck premium rate PDFs for associates (coverage period 01/01/2025–12/31/2025) [1] [2] [3]. Available reporting shows specific deductible numbers for at least the Premier and Saver/HSA plans (Premier: $2,750 individual / $5,500 family; HSA minimums governed by IRS rules noted in planning materials), but the public search results do not surface a single consolidated table of every 2025 employee premium, deductible and out‑of‑pocket maximum by plan tier in one place — those details are split across the Associate Benefits Book, plan pages and internal rate PDFs [4] [5] [2].
1. What Walmart’s materials say: multiple plan types, SBCs and rate files
Walmart’s 2025 benefits materials present several distinct medical plan designs — including a Premier PPO-style plan, Contribution Plan (uses Walmart dollars in an HRA), Saver Plan (HSA-eligible high-deductible plan), and Personalized Wellbeing Copay options — and Microsoft-style SBCs and rate PDFs intended for associates explain costs, copays and limits; the standardized SBC page is the place Walmart uses to compare plan options [1] [6] [7].
2. Premiums: internal PDFs hold per-pay-period rates (not fully exposed here)
Search results show a specific “2025 Benefits rates: your cost for coverage” PDF and a OneWalmart “Premium” PDF that appear to contain the per-pay-period premium tables for associates, but the snippets do not reproduce the numeric premiums by tier in the public snippets. The document titles indicate Walmart maintains confidential internal rate sheets for 2025 and that associates are directed to OneWalmart or the internal PDF to “See your cost per pay period for all plans” [2] [7] [8]. Available sources do not list a complete, public copy of every premium amount by employee tier in the search results provided.
3. Deductibles: explicit numbers for at least the Premier and Saver/HSA plans
Walmart’s Premier Plan page shows an annual deductible of $2,750 for an individual and $5,500 for self plus covered dependents [4]. The Saver HSA Plan is described as HSA-eligible and references IRS HDHP thresholds; other reporting notes the IRS 2025 minimum HDHP deductible values that plans must meet (e.g., IRS minimums typically cited in HSA guidance), but the exact Saver Plan deductible figure as printed in Walmart’s SBC is not quoted in the search snippets available here [8] [9]. Therefore: Premier deductible = $2,750 individual / $5,500 family [4]. For the Saver Plan, the materials confirm it is HSA-eligible and that employees receive Walmart HSA matching (e.g., $350 indiv. / $700 family noted), but the specific Saver Plan deductible printed in Walmart’s SBC is not visible in the provided snippets [8].
4. Out‑of‑pocket maximums: SBCs contain them but snippets don’t list amounts
Standard SBCs and the 2025 Summary of Benefits documentation are the documents that contain plan out‑of‑pocket maximums; the wageworks-hosted SBC for a Walmart Aetna POS plan covers 01/01/2025–12/31/2025 and is one example of the plan-by-plan SBC files Walmart uses [3] [1]. The search results show the existence of these SBCs but do not expose the numeric out‑of‑pocket maximums for each tier in the snippets provided. Available sources do not mention the full set of out‑of‑pocket maximum figures by plan tier in the provided results.
5. Where to find the definitive numbers and why they’re fragmented
Walmart’s internal OneWalmart pages, the 2025 Associate Benefits Book, and the dedicated rate PDF are the authoritative sources for exact employee premiums, deductibles and out‑of‑pocket maximums — and the company repeatedly directs associates to OneWalmart or MyBenefits for “see your cost per pay period” details [5] [2] [8]. The fragmentation exists because Walmart publishes standardized SBCs and plan pages for benefit structure while keeping per‑associate premium tables and some rate sheets on internal portals or confidential PDFs [1] [2].
6. Conflicting viewpoints and limitations in public reporting
External aggregator articles (e.g., retirement or benefits commentary) cite IRS HSA/HDHP thresholds and provide general context for HSA changes but are not a substitute for Walmart’s official SBC/rate PDFs; one such article reiterates IRS deductible minima and HSA context but is not an official Walmart source [9]. Important limitation: the search results provided include Walmart-hosted plan pages and internal PDFs but the snippets do not include a single consolidated table of every 2025 premium/deductible/OOP max by tier — so I cannot list every dollar amount for every plan tier from the provided reporting [2] [7] [1].
If you want the exact per-tier dollar amounts (employee-only, employee+spouse, family, tobacco differentials, etc.), consult the internal “2025 Benefits rates: your cost for coverage” PDF and the OneWalmart Premium PDF or the relevant SBCs accessible on OneWalmart/MyBenefits [2] [7] [1]. Available sources do not mention a consolidated public table in the search results provided here.