Open Enrollment is an annual opportunity to assess your individual or family needs. Elections made during Open Enrollment will be effective January 1, 2027.
The 2027 Open Enrollment is a passive enrollment, which means benefits eligible employees are not required to complete
it; most of your current benefits will automatically roll over into 2027. However,
if you want to contribute to an FSA or HSA, action is required to continue contributing in 2027.
(Casual/Seasonal/Short-Term and student employees are not benefits eligible)
Benefits Plan Year: January 1 - December 31, 2027
Open Enrollment Period: Monday, November 16, 2026 to Monday, November 30, 2026
2027 Benefits Guide (Available Soon!)
Summary of 2027 Benefits
- Medical coverage remains with Blue Cross Blue Shield of Michigan
- Plan designs will remain the same from 2026.
- No increases to employee monthly premium contributions, deductibles, or out-of-pocket maximums.
- Blue Cross Blue Shield of Michigan remains our pharmacy provider, providing strong customer support and expanded network options in response to employee feedback.
- Dental coverage will continue to be administered by The Standard, which offers improved out-of-network coverage for the wide range of needs of our employees and their families.
- We will continue to use Employee Navigator for the 2027 enrollment year.
Informational Sessions
We strongly encourage all benefits eligible employees to review their coverage options and attend an information session for detailed guidance.
- Monday, Nov. 9, 2026 | Memorial Union Ballroom A2 | 10-11 a.m.
- Zoom link: https://michigantech.zoom.us/j/85882024898?jst=2
- This session will be recorded and then posted on the Open Enrollment website.
- Tuesday, Nov. 10, 2026 | Memorial Union Ballroom A2 | 4-5 p.m.
Health Insurance
| Benefit Plan |
Husky Care PPO Embedded Deductible |
Husky Care HDHP1 Aggregate Deductible |
Husky Care HDHP2 Aggregate Deductible |
|
2027 Employee Health Insurance Contributions (per pay period) |
|||
| 2027 (19%) Employee Amount |
2027 Employee Amount |
2027 (1%) Employee Amount |
|
| Employee Only | $91.36 | $18.35 | $3.33 |
|
Employee + Spouse |
$191.86 | $38.55 | $7.00 |
| Employee + Child(ren) | $173.58 | $34.87 | $6.34 |
| Family | $274.08 | $55.07 | $10.01 |
| Plan Information | |||
|
Deductibles (In-Network) |
$1,500 / $3,000 & $250 pharmacy deductible |
$2,250 / $4,500 (Individual / Family) |
$5,500 / $11,000 (Individual / Family)
|
|
Out-of-Pocket Maximums (In-Network) |
$3,000 / $6,000 (Individual/Family) |
$4,450 / $8,500 (Individual/Family) |
$5,500 / $11,000 (Individual/Family) |
|
Coinsurance/Copays (In-Network) |
Emergency Room Copay: $150 Pharmacy Brand Copay: 25% ($20 Min / $60 Max) |
Emergency Room Coinsurance: 20% Pharmacy Coinsurance: 15% |
0% |
Optum Home Delivery Pharmacy
Through your prescription drug plan, you can get up to a three-month supply of most prescription drugs delivered right to your door. You’ll typically pay less by getting up to a three-month supply. Home delivery is easy, safe and convenient.
When you use our home delivery service, you can count on:
- Free standard shipping, in a plain weather resistant pouch
- Convenient deliveries to your home or office
- A registered pharmacist available to answer questions 24 hours a day, seven days a week
- Refill orders placed at your convenience, by telephone or online
There are three ways to transition to a three-month supply and avoid paying more:
- Visit bcbsm.com and log in to your secure member account. Click My Coverage, then Prescription, then Order online.
- Log in to our Blue Cross Blue Shield of Michigan mobile app and tap My Coverage, then Prescription, then Mail Order.
- Call the Optum Home Delivery pharmacy; they’ll contact your doctor to get your new three-month supply prescription.
- Blue Cross Blue Shield of Michigan members, call 1-855-811-2223. TTY 711.
Health Spending Account Limits
| 2026 | 2027 | |
| Single | $4,400 | $4,500 |
| Family | $8,750 | $9,000 |
| 55 years + Catch Up | + $1,000 | + $1,000 |
Flexible Spending Account Limits (Projected)
| 2026 | 2027 | |
| Healthcare FSA | $3,400 | $3,500 |
| Limited Purpose FSA | $3,400 | $3,500 |
| Dependent Care FSA | $7,500 ($3,750 if single or married filing separately) |
|
Please note: The limits shown for 2027 are projections; confirmed amounts have not yet been formally released by the IRS.
Dental Insurance
Per Pay Period Employee Dental Insurance Contributions for 2027
| Benefit Plan |
Husky Dental Plan 1 |
Husky Dental Plan 2 |
| Family Size | 2027 Amount | 2027 Amount |
| Employee Only | $15.00 | $13.83 |
| Employee + Spouse | $27.88 | $25.68 |
| Employee + Child(ren) | $33.96 | $27.20 |
| Family | $52.64 | $43.15 |
Vision Insurance
Per Pay Period Employee Vision Insurance Contributions for 2027
| Family Size | Husky Vision |
| Employee Only | $4.17 |
| Employee + Spouse | $8.34 |
| Employee + Child(ren) | $8.92 |
| Employee + Family | $14.26 |
Additional Changes
- No changes for VSP Vision Plan
- 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