Open Enrollment

Open Enrollment Set for Oct. 12-23, 2026

Open Enrollment for 2027 benefits will take place Monday, Oct. 12, through Friday, Oct. 23, 2026, 5 p.m. Eastern Time.

Open Enrollment is an annual period when faculty, staff, retirees, survivors, and benefits-eligible graduate students can make changes to their benefits, including health, dental, vision, and legal services plans. They also can enroll in 2027 flexible spending accounts (FSAs). 

Save the Dates

What's New in 2027

  • Two new health plans administered by Priority Health will be added to available choices.

  • One-time opportunity to increase expanded LTD coverage, or enroll in LTD coverage at lower cost without completing a statement of good health. 

  • 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:

Expanded LTD Coverage Opportunity

For this year’s Open Enrollment only, eligible, active employees may enroll in expanded long-term disability (LTD) coverage or increase their existing coverage without submitting a statement of good health. 

LTD coverage is typically not included in Open Enrollment; enrollment outside this special period usually requires approval based on a statement of good health. There is no guarantee that a similar opportunity will be offered in the future.

For more details, view the LTD web page. 

Consumer-Directed Health Plan (CDHP) with Health Savings Account (HSA) Limits

The CDHP and HSA annual limits set by the IRS will change in 2027.

  • 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.

Flexible Spending Accounts (FSA) Limits

In addition, the Health Care FSA annual limits set by the IRS will increase in 2027.

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

  • Employees must re-enroll to participate in an FSA. The IRS does not allow FSA enrollments to carry over from one year to the next.

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.