Open Enrollment

Open Enrollment is an annual period of time, usually in October, when faculty, staff, retirees and survivors, and benefits-eligible graduate students can make changes to their benefits. Changes and new rates go into effect January 1. Visit this page frequently for the latest information. Benefits included are health, dental, vision, legal services, and flexible spending accounts (FSAs), based on your eligibility. Review the benefits eligibility for your and your dependents.

Enroll in an FSA for 2023

Flexible Spending Account (FSA) allows you to put aside a set amount of money from your paychecks before taxes to pay for certain specific health care or dependent care expenses, which lowers your taxable income. Remember that unlike other benefits, FSA enrollments do not carry over from year to year. You must re-enroll if you wish to participate in an FSA in 2023.

Health Care FSAs

You can contribute a minimum of $120 up to a maximum of $2,850 per calendar year to your Health Care FSA

Complete an enrollment form. Your form must be completed by: 

  • November 30, 2022 to have your Health Care FSA funds available on January 1, 2023.
  • December 31, 2022 to have your Health Care FSA funds available on February 1, 2023. You may incur eligible expenses in January, but you will not be able to use your PayFlex debit card or file claims on your 2023 account until after February 1, 2023.

Dependent Care FSAs

You can contribute a minimum of $120 up to $5,000 each calendar year to your Dependent Care FSA. Highly compensated faculty and staff (family gross earnings in 2022 of $135,000 or more) can contribute $3,600 per year.

    Changes Outside of Open Enrollment

    Outside of the annual Open Enrollment period, you may be able to make specific benefits changes within 30 days of a qualifying family status event. See Life Events for details on making benefits changes.

    Benefits You Can Change Any Time

    Retirement savings plans, life insurance, and long-term disability plans are not part of Open Enrollment. If eligible, you may enroll or make changes to these plans at any time.

    U-M Retirement Savings Plan elections are not part of Open Enrollment and you can make changes at any time throughout the year. However, to avoid conflict with Open Enrollment benefit changes, initiating Basic Plan, 403(b) SRA, and 457(b) Deferred Compensation Plan elections through Wolverine Access Self-Service will not be available on the last two days of Open Enrollment.

    Supplemental Medicare Plans vs Medicare Advantage Plans 

    The University of Michigan offers Medicare eligible retirees supplemental health plans which coordinate with traditional Medicare. Our plans work with Medicare to provide comparable coverage to our active employee plans. 

    You may have seen information about Medicare Advantage plans that are available in the individual health plan market. These plans are not currently offered as an option through your University of Michigan retiree benefits.  If you are considering enrolling in a Medicare Advantage plan it is recommended that you compare the benefits and out of pocket costs with the University's Medicare plan to ensure they are equivalent. Before making a final decision, please review additional information regarding waiving coverage in retirement

    For More Information

    Reminders

    • Check your beneficiary designations for your U-M life insurance and retirement savings plan accounts.
    • Update your home mailing address through Wolverine Access by selecting Employee Self Service > Campus Personal Information > Addresses > Current Local. 
    • Enrollment in the Michigan Care health plan is currently limited to faculty, staff and retirees who live in a specific geographic area within southeast Michigan. Visit Michigan Care Eligibility and enter your home zip code to see if you are eligible to enroll in the plan.
    • Wolverine Tower is closed during the COVID-19 pandemic. Walk-in service is not available.
    • Sign up for news from University Human Resources. To receive news about benefits, programs, policies and other activities for faculty and staff, sign up to receive updates by email.