This year’s Open Enrollment takes place Monday, Oct. 12, through 5 p.m. Friday, Oct. 23. 

This is your annual opportunity to change your health, dental, vision, and legal plan enrollments, add eligible dependents, and enroll in 2027 flexible spending accounts (FSAs).

Benefit changes and new rates take effect Jan. 1, 2027.

What’s New for 2027

Open Enrollment 2027 features:

• New Priority Health Exclusive Provider Organization (EPO) health plan

• Limited opportunity for active, eligible employees to increase expanded long-term disability (LTD) coverage, or enroll in expanded LTD coverage without completing a statement of good health

• Increased limits for the Consumer-Directed Health Plan (CDHP) with Health Savings Account (HSA)

• Increased limits for Health Care FSA

The Priority Health EPO provides a broad, Michigan-based provider network that includes Michigan Medicine. Members are required to select a primary care physician, but referrals are not needed to receive care from in-network providers. 

To enroll in the Priority Health EPO plan, you must live in Michigan’s Lower Peninsula.  

For more details, view the Priority Health EPO web page. 

2027 CDHP with HSA Limits

The Consumer-Directed Health Plan (CDHP) with Health Savings Account (HSA) annual limits set by the IRS will change in 2026.

• 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 $850 for an individual and $1,700 for a family. 

• The HSA annual contribution maximum (university plus employee) will be $4,500 for an individual and $9,000 for a family.

For more information, view the Consumer-Directed Health Plan (CDHP) with Health Savings Account (HSA) web page. 

2027 FSA Limits

Employees must re-enroll each year to participate in a flexible spending account. The IRS does not allow FSA enrollments to carry over from one year to the next.

For 2027, the Health Care FSA limit will increase to $3,400. The Health Care FSA can be used to pay for eligible medical care expenses for you and your eligible dependents.

You can enroll in 2027 Health Care and Dependent Care Flexible Spending Accounts during Open Enrollment using Wolverine Access. 

For more information, view the Flexible Spending Accounts web page. 

Plan for October

The Benefits Office encourages U-M community members to carefully evaluate health plans based on cost, provider network and anticipated use of health care services.

Total annual health care spending for all dependents covered under an individual’s benefits plan should be considered, including monthly premiums, copays, coinsurance and deductibles.

Rates for 2027 benefits will be available online in Wolverine Access the week of Aug. 17. To view them, go to wolverineaccess.umich.edu, search for Benefits Self-Service and select the tile, then select the Display Benefit Plan Rates tile.  

To make benefits changes online, log in to Wolverine Access from Oct. 12 through 5 p.m. Eastern Time Oct. 23.