Open Enrollment

Open Enrollment is an annual period when you may make changes to your benefits for the following calendar year. If eligible, you may enroll in or change your coverage for the U‑M health, dental, vision and legal services plans, plus eligible faculty and staff may enroll in a flexible spending account.

Open Enrollment for 2019 benefits begins Monday, October 22, 2018 and ends at 5:00 p.m. EST on November 2, 2018. Rates and benefit information will be available after August 22, 2018.

Flexible Spending Accounts Require Annual Enrollment to Participate

No action is required to keep your current benefits and coverage through 2019, with one exception. IRS regulations do not allow Flexible Spending Account (FSA) enrollments to cross calendar years. If you are enrolled in an FSA for 2018 and want to participate in an FSA for 2019, you will need to re-enroll. Regulations allow an extended enrollment period for FSAs. Eligible faculty and staff may enroll in an FSA online during Open Enrollment, or complete and submit a paper 2019 FSA enrollment form (available for download at the end of Open Enrollment) by November 30, 2018. Paper FSA forms will be accepted through December 31, 2018, but funds for reimbursement from PayFlex will not be available until after February 1, 2019.

Changes Take Effect January 1

Changes made during the Open Enrollment period go into effect on January 1 and will remain in effect through December 31, as long as you remain eligible.

Benefits Changes Outside of Open Enrollment

Outside of the Open Enrollment period, certain life events, such as marriage or the birth or adoption of a child, may allow you to make specific benefits changes related to the event, such as adding a new dependent to your U-M health plan. Be sure to review Life Events for important rules and deadlines that must be met for benefits changes to take place.

Benefits You Can Change Any Time

The Retirement Savings Plans, Long-Term Disability, and Life Insurance plans are not part of Open Enrollment, and if you are eligible for these plans, you may enroll or make changes to your participation in these plans at any time of the year.