Premium Rates
The Texas Tech University System Self-Insurance premium rates are determined after the annual solvency analysis/actuarial review which occurs each March. The rates are effective from September 1 - August 31 each year. New rates will be posted each May.
TTUS Medical Liability Self-Insurance Plan
FY26 Premium Rates
(September 1, 2025 through August 31, 2026)
| Risk Class | Clinical (Faculty) Physicians & Health Care Professionals (Year / Month) |
Residents / Fellows (Year / Month) |
All Other Physicians (UMC-P/PNS) (Year / Month) |
| -1 (Dental students) |
$56 / $5 | - | - |
| 0 (Vet / Dental Faculty & Healthcare Professionals) |
$374 / $31 | - | - |
| 1 | $936 / $78 | $936 / $78 | $1,881 / $157 |
| 2 | $1,191 / $99 | $1,191 / $99 | $2,384 / $199 |
| 3 | $2,637 / $220 | $2,637 / $220 | $5,283 / $440 |
| 4 | $4,339 / $362 | $4,339 / $362 | $8,692 / $724 |
| 5 | $6,041 / $503 | $6,041 / $503 | $12,099 / $1,008 |
*8.15% reduction from FY25
TTUS Medical Liability Self-Insurance Plan
FY23 - FY25 Premium Rates
(September 1, 2024 through August 31, 2025)
| Risk Class | Clinical (Faculty) Physicians & Health Care Professionals (Year / Month) |
Residents / Fellows (Year / Month) |
All Other Physicians (UMC-P/PNS) (Year / Month) |
| 0 | $407 / $34 | $407 / $34 | $407 / $34 |
| 1 | $1,019 / $85 | $1,019 / $85 | $1,990 / $166 |
| 2 | $1,297 / $108 | $1,297 / $108 | $2,522 / $210 |
| 3 | $2,871 / $239 | $2,871 / $239 | $5,589 / $466 |
| 4 | $4,724 / $394 | $4,724 / $394 | $9,196 / $766 |
| 5 | $6,577 / $548 | $6,577 / $548 | $12,801 / $1,067 |