Faculty, staff, retirees and survivors will have additional health plan choices for 2027. U-M will add the Priority Health Exclusive Provider Organization (EPO) to the lineup during this year’s Open Enrollment, which takes place Oct. 12-23.
The EPO plan combines key features of a Health Maintenance Organization (HMO) and a Preferred Provider Organization (PPO). Like an HMO, members have a primary care provider and utilize in-network providers in the state. Unlike an HMO, you do not need a referral to see an in-network specialist.
For Medicare-enrolled retirees and survivors, the Priority Health Advantage with Medicare Part D plan will be added.
The Advantage plan for retirees and survivors provides prescription drug coverage through Priority Health rather than the U-M Prescription Drug Plan.
Active Employee and Pre-Medicare Retiree/Survivors/LTD Participant Plans
U-M offers the following health plans:
- U-M Premier Care
- Priority Health EPO – new in 2027
- Community Blue PPO
- Comprehensive Major Medical (CMM)
- Consumer-Directed Health Plan (CDHP) with Health Savings Account (HSA)
Get a snapshot of each plan’s key features on the Active Employees and Pre-Medicare (Retirees, Survivors and LTD Participants) web page.
GradCare Health Plan
The GradCare health plan is available only to eligible graduate student employees.
Medicare-Enrolled Retirees, Survivors and LTD Participant Plans
U-M offers three health plans for Medicare-enrolled retirees, survivors and LTD participants:
- U-M Premier Care Advantage
- Priority Health Medicare Advantage with Part D – new in 2027
- Medicare Advantage PPO
View the Medicare-Enrolled Retirees, Survivors and LTD Participants web page for key features and more information.
View Your 2027 Rates
Cost is an important consideration when you’re thinking of changing plans. You can check the 2027 benefits rates online in Wolverine Access. After logging in, search “Employee Self-Service,” select the Benefits tile, then select the Display Benefit Plan Rates tile.
When Selecting a Plan…
Before Open Enrollment begins, consider the following while reviewing health plans:
- All costs involved (including premiums and out-of-pocket expenses like deductibles, coinsurance and copays)
- The plan’s service areas and access to your preferred doctors and hospitals
- Anticipated health needs for you and your covered dependents
- Your financial needs during the next year
You’ll also notice additional changes in the benefits below that allow participants to contribute more or spend less.
CDHP with HSA Values for 2027
The CDHP deductible for 2027 will be $1,750 individual/$3,500 family, and the in-network, out-of-pocket maximum will be $5,500 individual/$12,000 family. The HSA maximum contribution will increase to $4,500 individual/$9,000 family.
View the CDHP web page for more information.
2027 FSA Changes
In 2027, you can contribute a minimum of $120 and up to $3,400 per calendar year to your Health Care Flexible Spending Account (FSA) OR a Limited-Purpose Health Care FSA. The Dependent Care FSA limit in 2027 will be $7,500.
View the Flexible Spending Account web page for more information.
