Open Enrollment is your annual opportunity to change your health, dental, vision, and legal services benefits. These changes and new rates take effect Jan. 1, 2026.
Flexible Spending Accounts require that you re-enroll each year to continue your participation.
Open Enrollment ends at 5 p.m. Eastern Time on Friday, Oct. 24.
Mark Your Calendar
Tools You Can Use
The following resources are available to help you find the best health plan for you and your family:
Benefits Mentor
Benefits Mentor is an interactive tool available through Benefits Self-Service in Wolverine Access that can help you decide which U-M Health Plan best suits your needs. It gathers priorities you find important in a plan, and can factor in actual claims and/or average medical care to personalize your user experience.
2026 health plans and rates will be updated in the tool beginning Monday, Sept. 29.
Learn more about Benefits Mentor.
Health Plan Coverage Comparison Tool
Use the Health Plan Coverage Comparison tool to compare health services and coverage offered under the U-M Health Plans.
Open Enrollment Books
In additional to all-inclusive information about U-M benefits, the active and retiree books include comparison charts to help you sort through health plan pros and cons for your specific situation.
View all Open Enrollment 2026 books.
Things to Consider
Before Open Enrollment begins, consider the following when reviewing health plans:
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All costs involved (including both premiums and out-of-pocket expenses like deductibles, coinsurance, and copays).
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The plan’s service areas and access to your preferred doctors and hospitals.
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The anticipated health needs for you and your covered dependents.
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Your financial needs over the next year.
