Open Enrollment for 2026 benefits takes place from Monday, Oct. 13, through Friday, Oct. 24, at 5 p.m. Eastern Time. This is your chance to change your health, dental, vision and legal coverage for next year. You must re-enroll in a Flexible Spending Account (FSA) if you’d like to participate in 2026. 

Visit the Open Enrollment page for the latest information. 

What’s New in 2026

Michigan Care Discontinued

As announced in 2024, the Michigan Care Health Plan will be discontinued as of Dec. 31, 2025.

If you're currently enrolled in Michigan Care, you must select an alternate health plan during Open Enrollment. If you don’t select an available health plan, you'll be enrolled in U-M Premier Care for 2026. 

U-M Premier Care Enhancement

Beginning Jan. 1, 2026, U-M Premier Care will cover chiropractic care. Learn more about U-M Premier Care. 

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 $1,700 for an individual and $3,400 for a family. The annual out-of-pocket maximum (in-network) will be $5,500 for an individual and $10,600 for a family. 
• The 2026 HSA annual contribution maximum (university + employee) is $4,400 for an individual and $8,750 for a family.

Visit the Health Savings Account page for more information. 

Dental Plan Benefit Increase

The Dental Plan annual maximum benefit will increase to $1,500. Visit the Dental Plan page for more information. 

Health Care/Dependent Care FSA Limit Increases

• The Health Care flexible spending account (FSA) limit will increase to $3,300. This account can be used to pay for eligible medical expenses for you and your eligible dependents.
• The Dependent Care FSA limit will increase to $7,500. This account can be used to pay for eligible dependent care expenses (such as child daycare).

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

For More Info…

Watch your inbox for weekly informational emails about Open Enrollment. Further resources, such as the Benefits Mentor tool, health plan profile and health plan comparison charts, and the health plan coverage comparison tool, will be available in coming weeks.