Open Enrollment is an annual opportunity to assess your individual or family needs. Elections made during Open Enrollment will be effective January 1, 2026.
The 2025 Open Enrollment is an active enrollment, which means all benefits eligible employees are required to complete Open Enrollment.
(Casual/Seasonal/Short-Term and student employees are not benefits eligible).
Benefits Plan Year: January 1 - December 31, 2026
Open Enrollment Period: November 12 - November 26, 2025
2026 Benefits Guide
(Will be posted by October 29, 2025)
2026 Benefits Open Enrollment Presentation
(Recording will be posted by October 29, 2025)
Benefits Open Enrollment Informational Sessions:
- Monday, October 20 | Memorial Union Ballroom A | 9:00 AM - 10:00 AM
- Tuesday, October 28 | Memorial Union Ballroom A | 4:00 PM - 5:00 PM
- Oct. 28 - Zoom Link
- This session will be recorded and posted to this site.
- Tuesday, November 11 | Memorial Union Ballroom A | 11:00 AM - 12:00 PM
What is changing for 2026?
- Group health insurance plan changes:
- BlueCrossBlueShield of Michigan will replace Express Scripts Insurance for Pharmacy coverage.
- Contributions increase to the Employee premiums for Husky Care PPO, HDHP1 & HDHP2. Contributions are set to represent a percentage of forecasted University healthcare costs for 2026.
| 2025 Premiums | New 2026 Premiums | |
| Husky Care PPO |
|
2026 premiums represent 20% of overall forecasted healthcare costs:
|
| Husky Care HDHP1 |
|
2026 premiums represent 5% of overall forecasted healthcare costs:
|
| Husky Care HDHP2 |
$0 for Employees & Dependents
|
2026 premiums represent 1% of overall forecasted healthcare costs:
|
- Addition of a Pharmacy Deductible to the Husky Care PPO. Increase to Husky Care HDHP1 and Husky Care HDHP2 Plan Deductibles.
|
2025 Deductibles (In-Network) |
New 2026 Deductibles (In-Network) |
|
| Husky Care PPO | $1,500/$3,000 Embedded (Individual/Family) |
Medical Deductible remains the same, a $250 pharmacy deductible was added for prescription drugs |
| Husky Care HDHP1 | $1,750/$3,500 Aggregate (Individual/Family) |
$2,250/$4,500 Aggregate (Individual/Family) |
| Husky Care HDHP2 | $5,000/$10,000 Embedded (Individual/Family) |
$5,500/$11,000 Embedded (Individual/Family) |
-
- Increase to the Out-of-Pocket Maximum (OOPM) for Husky Care PPO, HDHP1 and HDHP2.
| 2025 Out-of-Pocket Maximum (In-Network) |
New 2026 Out-of-Pocket Maximum (In-Network) |
|
| Husky Care PPO | $2,500/$5,000 (Individual/Family) |
$3,000/$6,000 (Individual/Family) |
| Husky Care HDHP1 | $4,000/$8,000 (Individual/Family) |
$4,450/$8,500 (Individual/Family) |
| Husky Care HDHP2 | $5,000/$10,000 (Individual/Family) |
$5,500/$11,000 (Individual/Family) |
- Increase to copays/coinsurance.
|
2025 Coinsurance/Copays (In-Network) |
New 2026 Coinsurance/Copays (In-Network) |
|
| Husky Care PPO |
Emergency Room Copay $75 Pharmacy Brand Copay: 25% ($10 Min/$40 Max) |
Emergency Room Copay $150 Pharmacy Brand Copay: 25% ($20 Min/$60 Max) |
| Husky Care HDHP1 |
Emergency Room Coinsurance: 10% Pharmacy Coinsurance: 10% |
Emergency Room Coinsurance: 20% Pharmacy Coinsurance: 15% |
| Husky Care HDHP2 | 0% | 0% |
- The Standard will be replacing Delta Dental and we will begin partnering with Jet Dental who will provide onsite visits to perform preventative dental care (cleanings, whitening, basic restorative work) for employees and family members age 3 or older. Jet Dental is in network with The Standard and services are covered at normal network costs.
| 2025 Premiums | New 2026 Premiums | |
| Husky Dental 1 |
|
|
| Husky Dental 2 |
|
|
- No changes for VSP Vision Plan
- "2nd. MD" services will be discontinued due to low participation.
- Virtual primary/urgent/mental telehealth through "First Stop Health" is now offered at $0 copay for participants of all 3 medical plans.
- Voluntary Life Insurance and Accidental Death & Dismemberment insurance benefit premiums will have tiered contribution costs based on age and insured amount.
For more information, please contact Benefit Services at hr-help@mtu.edu or 906-487-2517