It's coming! Open Enrollment for 2025 benefits will take place Monday, Oct. 21, through 5 p.m. Friday, Nov. 1. It’s a once-a-year opportunity to change your health, dental, vision and legal service plans. Benefits changes and new rates take effect Jan. 1, 2025.
No action is required to keep current benefits, except for Flexible Spending Accounts, which require re-enrollment each year.
Save the Dates
Learn more about Open Enrollment.
What’s New in 2025
Consumer-Directed Health Plan/Health Savings Account
U-M has set the CDHP deductible at the minimum threshold allowed by the IRS to qualify for participation in a Health Savings Account (HSA). This saves participants money annually.
The 2025 CDHP deductible will be $1,650 individual/$3,300 family. The annual HSA maximum contribution for 2025 will be $4,300 individual/$8,550 family.
View the CDHP web page for more information.
Health Care Flexible Spending Account
You can contribute $120 up to a maximum of $3,200 per calendar year to your Health Care FSA.
For details, view the FSA web page.
Optional Life Insurance Plan
Eligible members have a one-time opportunity to enroll in or increase their coverage in the Optional Life Insurance Plan. A health statement will be required when increasing coverage higher than $650,000 or requesting to increase coverage more than 1 times salary.
View the Optional Life Insurance web page for more information.
Legal Services Plan
The following services will be added to the Legal Services Plan at no additional cost:
- Divorce, dissolution and annulment (contested and uncontested)
- Custody order
- Enforcement or modification of support order
View details on the Legal Services Plan web page.
Vision Plan
- The allowance for eyeglass frames and contact lenses will increase from $130 to $200.
- Monthly plan premiums will decrease by about 10%.
Details are available on the Vision Plan web page.
Add Punch to Your Prep
As you research your Open Enrollment choices, keep the following in mind:
- Resources are available to help you find the health plan that works best for you.
- Update your address through Wolverine Access by selecting Employee Self Service > Campus Personal Information > Addresses > Current Local.
- Check your beneficiary designations for your U-M life insurance and retirement savings plan accounts.
- Watch for information about all things Open Enrollment in UHR News, The University Record and your U-M email.
