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Affordable Care Act (ACA)

ACA Provisions expand coverage to eligible USM contractual employees.  Contractual employees working an average of 30+ hours/week may elect coverage under the State of Maryland Health program through the Department of Budget & Management.  Those covered include:

  • Contingent I and II staff working 30+ hours/week
  • Adjunct faculty who teach at least 75% of the expected course load of a full-time non-tenure track instructional faculty (9 credits) member according to their institution’s standards
  • Other contractual faculty working 30+ hours/week

Eligible contractual employees will be able to participate in the State health plan with benefits at least at the following levels:

  •  Employer-subsidized medical and prescription drug coverage, but no dental coverage subsidy
  • The State will cover 75% of the cost of coverage, with the employee paying 25%
  • Instead of a payroll deduction, contractual employees will pay the State directly for the cost of their premium.

Contractual employees who work less than 75% are eligible to participate in the State Benefits Program at the un-subsidized rates.  Contractual employees must enroll within 60-days of their hire date or during open enrollment (or within 60-days a qualifying event as described in the Benefits Guide). 

Rates & Resources

Subsidized and Non-Subsidized Rates for Contractual Employees

Benefits Guide

Using the SPS Workday System to Enroll for Coverage

Instructions to pay for coverage through the State of Maryland 

Maryland Healthcare Exchange Notice