U-M Retiree Health Plans

Retiree/Survivor Health Plans

Health plan options for benefit-eligible retirees and survivors are determined on the eligibility and enrollment in Medicare for everyone enrolled in your university health plan.

View the Medicare Advantage Plans page for more details.

Coverage Level

As an eligible U-M retiree, you can choose coverage at the following levels in a U-M health plan (depending on Medicare status).

  • 1 Person Regular
  • 1 Person Regular and Child(ren)
  • 1 Person with Medicare
  • 2 People Regular
  • 2 People Regular and Child(ren)
  • 2 People (1 Regular, 1 with Medicare)
  • 2 People with Medicare
  • 3 or More People with Medicare
  • 3 or More People (at least 1 Regular and 1 with Medicare)

“Regular” refers to retirees or their dependents who are not eligible for Medicare.

“Child(ren)” refers to retirees covered dependent child(ren) under age 26, who are not eligible for Medicare.

Retiree Health Plan Rates

The amount retirees pay and the amount the university pays toward retiree health benefits varies based on hire date, age, retirement date, years of service, eligibility for Medicare, coverage level, and the health plan selected.

There are three ways to get an idea of what your rates may be when you retire:

  • View your individual monthly rates online through Wolverine Access (a uniqname and UMICH password are required). Enter Benefits in the search bar, click the Benefits Self-Service tile, and then click the Display Benefit Plan Rates tile.
  • Review the charts below and the charts printed in your retiree Open Enrollment book that will be mailed to your home address on file at the end of September.

Supported browsers are Google Chrome, Internet Explorer, Firefox and Safari. If you need help with logging in to Wolverine Access, general computing, system access, or campus computing site support, contact the ITS Service Center by calling (734) 764-HELP (764-4357), Monday-Friday 7 a.m.- 6 p.m.

The following rates are effective Jan.1, 2025 - Dec. 31, 2025.

2025 Retiree Health Plan Rate Charts by Date of Service and Retirement Date

  • If you retired before January 1, 1987, refer to chart A. 
  • If you are retired and your date of service is on or after July 1, 1988, and you are under age 62, refer to chart B.
  • If your service date is before July 1, 1988 and you are any age, or if your service date is on or after July 1, 1988 and you are age 62 or older, refer to the rate chart based on when you retired:
    • If you retired on or after January 1, 1987 and before January 1, 2000, refer to chart C.
    • If you retired on or after January 1, 2000 and before January 1, 2013, refer to chart D.
    • If you retired on or after January 1, 2013 and before January 1, 2015, refer to chart E. 
    • If you retired on or after January 1, 2015 and before January 1, 2017, refer to chart F. 
    • If you retired on or after January 1, 2017 and before January 1, 2019, refer to chart G. 
    • If you retired on or after January 1, 2019 and before January 1, 2021, refer to chart H. 

Retired on or after January 1, 2021: 2025 Retiree Health Plan Rate Charts by Years of Service

  • More than 10 years of service but less than 12 years of service and either your date of service is before July 1, 1988 and you are any age, or your date of service is on or after July 1, 1988 and you are age 62 or older, refer to chart I.
  • More than 12 years of service but less than 14 years of service and either your date of service is before July 1, 1988 and you are any age, or your date of service is on or after July 1, 1988 and you are age 62 or older, refer to chart J. 
  • More than 14 years of service but less than 16 years of service and either your date of service is before July 1, 1988 and you are any age, or your date of service is on or after July 1, 1988 and you are age 62 or older, refer to chart K. 
  • More than 16 years of service but less than 18 years of service and either your date of service is before July 1, 1988 and you are any age, or your date of service is on or after July 1, 1988 and you are age 62 or older, refer to chart L.
  • More than 18 years of service but less than 20 years of service and either your date of service is before July 1, 1988 and you are any age, or your date of service is on or after July 1, 1988 and you are age 62 or older, refer to chart M. 
  • 20 years of service or more and either your date of service is before July 1, 1988 and you are any age, or your date of service is on or after July 1, 1988 and you are age 62 or older, refer to chart N. 
  • If you retire on or after January 1, 2023 with more than 10 years of service but less than 12 years of service and your date of service is on or after January 1, 2013 and you are age 62 or older, refer to chart O. 
  • If you retire on or after January 1, 2023 with more than 12 years of service but less than 14 years of service, your date of service is on or after January 1, 2013 and you are age 62 or older, refer to chart P. 

2024 Retiree Health Plan Rate Charts by Date of Service and Retirement Date

  • If you retired before January 1, 1987, refer to chart A. 
  • If you are retired and your date of service is on or after July 1, 1988, and you are under age 62, refer to chart B.
  • If your service date is before July 1, 1988 and you are any age, or if your service date is on or after July 1, 1988 and you are age 62 or older, refer to the rate chart based on when you retired:
    • If you retired on or after January 1, 1987 and before January 1, 2000, refer to chart C.
    • If you retired on or after January 1, 2000 and before January 1, 2013, refer to chart D.
    • If you retired on or after January 1, 2013 and before January 1, 2015, refer to chart E. 
    • If you retired on or after January 1, 2015 and before January 1, 2017, refer to chart F. 
    • If you retired on or after January 1, 2017 and before January 1, 2019, refer to chart G. 
    • If you retired on or after January 1, 2019 and before January 1, 2021, refer to chart H. 

Retired on or after January 1, 2021: 2024 Retiree Health Plan Rate Charts by Years of Service

  • More than 10 years of service but less than 12 years of service and either your date of service is before July 1, 1988 and you are any age, or your date of service is on or after July 1, 1988 and you are age 62 or older, refer to chart I.
  • More than 12 years of service but less than 14 years of service and either your date of service is before July 1, 1988 and you are any age, or your date of service is on or after July 1, 1988 and you are age 62 or older, refer to chart J. 
  • More than 14 years of service but less than 16 years of service and either your date of service is before July 1, 1988 and you are any age, or your date of service is on or after July 1, 1988 and you are age 62 or older, refer to chart K.
  • More than 16 years of service but less than 18 years of service and either your date of service is before July 1, 1988 and you are any age, or your date of service is on or after July 1, 1988 and you are age 62 or older, refer to chart L.
  • More than 18 years of service but less than 20 years of service and either your date of service is before July 1, 1988 and you are any age, or your date of service is on or after July 1, 1988 and you are age 62 or older, refer to chart M. 
  • 20 years of service or more and either your date of service is before July 1, 1988 and you are any age, or your date of service is on or after July 1, 1988 and you are age 62 or older, refer to chart N. 
  • If you retire on or after January 1, 2023 with more than 10 years of service but less than 12 years of service and your date of service is on or after January 1, 2013 and you are age 62 or older, refer to chart O. 

Examples: University Contribution Based on Years of Service

John is age 60 and is hired on March 1, 2013 as an accountant working full time. John retires with benefits on March 1, 2023 since he accumulated the necessary 80 points (he will be age 70 and have 10 years of service) assuming he always worked full time in an eligible job title. The university contribution toward John’s retiree health care will be 34%. John would need to work until March 1, 2033 in order to accumulate the necessary 20 years of service for the university to contribute the maximum university contribution of 68%.

Pam was hired on October 1, 2015 at age 40 as an administrative assistant working full time. Pam retires with benefits on October 1, 2035 since she accumulated the necessary 80 points (she will be age 60 and have 20 years of service) assuming she always worked full time in an eligible job title. Pam will need to pay for all benefit premiums until age 62. Once Pam reaches age 62 as a retiree, the university contribution toward her retiree health care will be 68%.

Visit Retirement Eligibility for more information.