U-M Retiree Health Plans

U-M retirees can choose from any of the following health plans, which differ in cost, the benefit levels they provide, and the providers available.  All plans coordinate with Medicare.     

Learn more about retirement and your benefits as a U-M retiree

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 retiree’s 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.

You can view your individual 2022 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. The 2022 rates will be displayed below the 2021 rates. Alternatively, you may 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 January 1, 2022 - December 31, 2022.

Retired before January 1, 2021: 2022 Retiree Health Plan Rate Charts by Date of Service and Retirement Date

Refer to the retiree health plan rate chart guide to help you determine which chart applies to your situation based on your date of service, age, and date of retirement. Or, view the rate charts below.

Retiree health plan rate chart guide
Click to enlarge.

Retired on or after January 1, 2021: 2022 Retiree Health Plan Rate Charts by Years of Service

The university contribution toward retiree health benefits for faculty and staff retiring on or after January 1, 2021 is based on your years of service at retirement. The service requirement is in addition to the points system used to determine your eligibility to retire. For example, faculty and staff will need 80 points to be eligible to retire by 2021 and will need 20 or more years of eligible service in order to receive the maximum university contribution toward the cost of retiree health coverage.

If your service date is before January 1, 2013, you are 62 or over, and you retire on or after January 1, 2021, the university contribution for retiree health benefits is based on years of service at retirement, in addition to the requirement of 80 points to be eligible to retire.

If you retire under age 62 you will pay the full cost of benefits through the month you turn 62 in addition to the above schedule. Refer to Chart B.

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.