Michigan PA 152 Calculator
Enter your enrollment and total plan cost. See the most your public employer can pay under the hard cap and under the 80% option, and what employees would owe.
Your Enrollment
Example Figures
What It Says
Questions to Settle Before You Adopt a Limit
- Which option will the governing body adopt, and by what date each year?
- Do your collective bargaining agreements fall under an exemption or limit?
- Have you decided whether the plan cost includes dental, vision or other benefits?
Two limits apply, and the employer chooses one.
Public Act 152 of 2011 limits what Michigan public employers can pay toward medical benefit plans.
The Hard Cap
The state sets a yearly dollar limit for single, two-person and family coverage. The tool multiplies each limit by your enrollment and adds them up.
The 80% Option
Instead of the hard cap, an employer may pay up to 80% of the total yearly plan cost. Employees pay the rest. The tool takes 80% of the plan cost you enter.
What Employees Owe
The amount above either limit falls to employees. The tool shows the minimum share for each option so you can compare them.
Some situations need more than a calculation.
The tool computes the two limits. It does not interpret how the law applies to you.
What Counts as Plan Cost
What belongs in total plan cost, and in what year, depends on your plan and how it is administered. Confirm it before using the 80% figure.
Bargaining and Exemptions
Existing agreements, and a vote of the governing body to exempt the employer, can change which limit applies. The tool does not account for either.
Not Legal Advice
This is a planning aid and not legal advice. The state publishes the limits each year, and your counsel should confirm them.
What public employers ask about PA 152.
Who must follow PA 152?
Michigan public employers, including local governments and school districts, unless they are exempt. Your counsel can confirm whether the law covers you.
Where do the limits come from?
The Michigan Department of Treasury publishes the hard-cap figures each year. This tool uses the published 2026 and 2027 amounts.
Which option should we use?
Compare both for your enrollment. Which one allows a higher employer contribution depends on your mix of coverage types and your plan cost.
Can the governing body opt out?
The law allows a governing body to exempt the employer by an annual vote. Confirm the requirements with counsel before relying on that.
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The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
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