Open Enrollment is an annual opportunity for House Officers and other employees to change their benefits for the following calendar year. Changes will go into effect on January 1.

• Benefits included are health, dental, vision, legal services, and flexible spending accounts (FSAs).
• No action is required to keep your current benefits, except for Flexible Spending Accounts (FSAs). The IRS requires annual enrollment to participate in an FSA.

House Officer contributions for health plans and coverage levels for 2026 can be found online now using Wolverine Access, Self Service > Benefits. The page displays the individualized rates for House Officers. Rates for all benefits plans for which employees are eligible are displayed.

Beginning October 12, House Officers may log into Wolverine Access and make changes until 5:00 p.m. on October 23. If you cannot access self-service Benefits contact the Shared Services Center at (734) 615-2000 or (866) 647- 7657.

UHR News: 3-Step Prep for Open Enrollment
UHR News: New Health Plans Available in 2027
UHR News: New to You in 2027: Priority Health Plans
UHR News: Save the Dates for Open Enrollment

Please see the following information provided by Michigan Medicine HR: 

What's New in 2027

• Two new health plans administered by Priority Health will be added to available choices.
• Annual limits set by the IRS will increase for the Consumer-Directed Health Plan (CDHP), the Health Savings Account (HSA) and the Health Care Flexible Spending Account (FSA).
• Redesigned Health Plans web page section to be more streamlined, user-friendly and information-rich.

New Health Plans

U-M will debut two new health plans – one for pre-Medicare employees, and the other for Medicare-eligible employees, in 2027. Both are administered by Priority Health. For details, view the web pages below:

• Priority Health EPO
• Priority Health Medicare Advantage with Part D

CDHP and HSA Annual Limits

The Consumer-Directed Health Plan (CDHP) and Health Savings Account (HSA) annual limits set by the IRS will change to the following:

• The CDHP deductible will be $1,750 for an individual and $3,500 for a family.
• The annual out-of-pocket maximum (in-network) will be $5,500 for an individual and $12,000 for a family.
• U-M’s maximum HSA contribution will be $875 for an individual and $1,750 for a family.
• The HSA annual contribution maximum (university plus employee) will be $4,500 for an individual and $9,000 for a family.

Visit the Health Savings Account page for more information.

Health Care Care FSA Limit Increases

• The Health Care flexible spending account (FSA) limit will increase to $3,400. This account can be used to pay for eligible medical expenses for you and your eligible dependents.

You must re-enroll each year to participate in an FSA. Review the Flexible Spending Accounts page to learn more.

Changes Outside of Open Enrollment

Outside of the annual Open Enrollment period, you may be able to make specific benefits changes within 30 days of a qualifying family status event. See Life Events for details on making benefits changes.

Benefits You Can Change Any Time

Retirement savings plans, life insurance, and long-term disability plans are not part of Open Enrollment. If eligible, you may enroll or make changes to these plans at any time.

U-M Retirement Savings Plan elections are not part of Open Enrollment and you can make changes at any time throughout the year. However, to avoid conflict with Open Enrollment benefit changes, initiating 403(b) SRA, and 457(b) Deferred Compensation Plan elections through Wolverine Access Self-Service will not be available on the last two days of Open Enrollment.

 

Reminders

• Review resources to help you decide: Find the health plan that works best for you with these resources.
• Verify your beneficiaries: Ensure your beneficiary designations for your life insurance and retirement accounts reflect your current wishes.
• Confirm your address: Update your address through Wolverine Access, search for Campus Personal Information and click the tile, click Addresses, edit Current Local if needed.
• Stay informed: To receive news from University Human Resources about benefits, programs, policies and other activities for faculty and staff, sign up to receive UHR News.
• Pay attention: Watch for information about all things Open Enrollment in UHR News, The University Record, emails and more.