Active Employees and Pre-Medicare (Retirees, Survivors, LTD Participants)

The University of Michigan offers a variety of health plan options for benefit-eligible active employees and pre-Medicare retirees, survivors and LTD participants. 

These plans provide faculty, staff, retirees, and LTD participants with comprehensive medical coverage options designed to support physical and mental well-being.

Plan Options 

U-M offers four plan choices to meet diverse needs, including:

Choosing a Health Plan

Choose a health plan that benefits you and your family the most. Before deciding, evaluate:

  • All costs (premiums, deductibles, coinsurance and copays)
  • Access to the doctors and hospitals you plan to use
  • Anticipated health and financial needs for the coming year
  • If you will be traveling or receiving medical care outside of Michigan

Preventive care has no out-of-pocket cost under any U-M health plan. U-M Premier Care members must select a primary care physician (PCP) upon enrollment.

Health Plan Profiles Chart

2026 Health Plan Profiles Chart

Health Plan Coverage Comparison

For a detailed comparison, use the 2026 Health Plan Coverage Comparison Chart.