Capital One and our associates share the total premium cost and the related administrative costs supporting our plan.

On each paycheck, you contribute funding to cover these costs; however, this covers only a fraction of the total cost. Most of the cost is paid by the company.

2024 Cost of Coverage

View the 2024 associate contributions for Medical, Dental, and Vision benefits below:

Medical
2024 Medical Associate Bi-weekly Contributions
CDHP Basic PPO Enhanced PPO
Associate$27.10$27.10$63.79
Associate + Spouse/Domestic Partner $123.72$123.72$200.78
Associate + Child(ren)$78.14$78.14$147.86
Associate + Spouse/Domestic Partner + Child(ren)$175.40$175.40$289.14

TIP: Think about the whole cost. When choosing a medical plan, it’s important to think about the whole cost of coverage — the amount you’ll spend out of your paycheck, as well as out of your pocket (co-pays, deductibles, and coinsurance).

Dental
2024 Dental Associate Bi-weekly Contributions
Basic Plan Enhanced Plan
Associate$6.95$10.46
Associate + Spouse/Domestic Partner $14.59$21.97
Associate + Child(ren)$13.20$19.88
Associate + Spouse/Domestic Partner + Child(ren)$21.54$32.44
Vision
2024 Vision Associate Bi-weekly Contributions
Vision Plan
Associate$1.41
Associate + Spouse/Domestic Partner $2.85
Associate + Child(ren)$3.43
Associate + Spouse/Domestic Partner + Child(ren)$5.10

COBRA participants: View your 2024 Medical, Dental, and Vision costs of coverage.

View the 2024 associate contributions for Supplemental Life Insurance and Accidental Death and Personal Loss (AD&PL) Insurance and Supplemental Long Term Disability (LTD) below:

Supplemental Life and AD&PL Insurance (Associate)
2024 Associate Voluntary Supplemental Life/AD&PL Insurance Costs
Associate’s Age as of January 1, 2024 Bi-weekly Cost per $1,000 of Coverage (post-tax)
<30 $0.02
30-34 $0.03
35-39 $0.03
40-44 $0.04
45-49 $0.06
50-54 $0.08
55-59 $0.12
60-64 $0.16
65-69 $0.23
70-74 $0.47
75-79 $0.75
80+ $0.75
Life and AD&PL Insurance (Spouse/Domestic Partner and Child)
2024 Coverage Options Available for Dependent Life/AD&PL – Spouse/Domestic Partner
Coverage Option Bi-weekly Cost (post-tax)
$25,000 $1.08
$50,000 $2.15
$75,000 $3.22
$100,000 $4.29
$125,000 $5.37
$150,000 $6.44
$175,000 $7.51
$200,000 $8.58
$225,000 $9.66
$250,000 $10.73
2024 Coverage Options Available for Dependent Life – Children
Coverage Option Bi-weekly Cost (post-tax)
$10,000 child only $0.51
$20,000 child only $1.02
Supplemental LTD
2024 Coverage Options Available for Supplemental LTD
Coverage Option Bi-weekly Cost (post-tax)
Additional 20% of Annual Benefits Salary to provide 70% of total Annual Benefits Summary replacement $0.128 per $100 of your monthly benefits salary
Cost considerations for domestic partner coverage

In accordance with IRS regulations, there are unique cost considerations for those associates who cover a domestic partner. The key considerations are:

  • The portion of the associate’s premium that is attributable to covering the domestic partner is paid on a post-tax basis rather than on a pre-tax basis like for the associate’s own coverage or that of other dependents.
  • The company’s contribution toward the cost of the domestic partner’s coverage (called the fair market value) is added to your earnings for the year and is subject to the applicable taxes.

Capital One will provide associates with a domestic partner (under our medical, dental and vision plans) a gross-up amount to help cover the taxes owed on these benefits. If you have indicated on IRS Form W-4 that you are exempt from federal income tax withholding, no gross-up will be applied. Similarly, if you have indicated that you are exempt from state tax withholding, no state gross-up will be provided.

Not sure if your domestic partner qualifies for coverage? See domestic partner criteria here