Benefits Open Enrollment (BOE) runs from October 12, 2026, through October 30, 2026. BOE is your annual opportunity to enroll in or change elections for health, dental, vision, life insurance, long term disability (LTD), and Health Care and Dependent Care Flexible Spending Accounts (FSAs).
The effective date for elections and changes is January 1, 2027 and they will first be reflected on the January 14, 2027 paycheck. Deductibles and out-of-pocket maximums (OOPMs) also reset on January 1, 2027. The final day of the 2027 plan year is December 31, 2027. November 6, 2026 is the deadline for providing supporting documentation (e.g., marriage certificate, birth certificate, adoption paperwork) to the MI HR Service Center for individuals newly added to benefits through the BOE process.
Employees do not need to re-enroll during BOE each year to retain existing insurance elections, but are strongly encouraged to review them to ensure their existing benefits will meet their needs for the coming year. FSA elections do not automatically renew. Employees must re-enroll each year if they wish to participate in the FSA benefit.
The BOE website, www.mi.gov/BOE, remains the one-stop-shop for enrollment information, and www.mi.gov/FSA is still the home for FSA resources as well.
*Auditor General and Judicial employees should submit all supporting documentation to their HR office instead of the MI HR Service Center.
There are changes to note during BOE this year. While it is important to review benefits annually to ensure elections will meet your needs for the coming plan year, it is particularly important to weigh your options when there are changes occurring.
The IRS has increased the minimum deductible amount that must be charged for an HDHP for plan year 2027. Therefore, the deductible amount for the State HDHP will increase as follows:
The in-network deductible:
The out-of-network deductible:
The annual HSA employer contribution will remain $800 for an eligible individual employee enrolled in the State HDHP and $1,600 for an eligible employee who enrolls with one or more eligible dependents in the State HDHP.
Effective January 1, 2027, there will be increases to some biweekly premium rates based on anticipated higher costs of dental, medical, prescription, and behavioral health and substance use disorder claim expenses for the coming calendar year. It is important to consider these changes when making your benefit elections.
The State Dental Plan, Preventive Dental Plan, and State Health Plan Preferred Provider Organization (SHP PPO) premiums will increase. The Health Maintenance Organizations (HMOs) (HAP and BCN) did implement rate increases however, due to a higher SHP PPO cap for plan year 2027, which increases the amount of the premium paid by the state, this will result in the employee’s share for the HMOs decreasing for plan year 2027.
Employees are encouraged to review all aspects of their benefit elections every year, rates included. The effective date for elections and changes is January 1, 2027 and premium changes will first be reflected on the January 14, 2027 paycheck.
Visit the Insurance Rates page to review premiums and the Understanding CY27 HMO Insurance Premium Rates resource for a comprehensive explanation of the employer/employee premium split. The CY27 Health Plan Cost Scenarios and CY27 Health Plan Comparison Chart highlights similarities, differences, and cost-sharing details to assist in helping you choose the health plan that may be best for you.
If you choose to enroll in a different health insurance plan, contact your health care provider(s) (e.g., primary care physician, specialists, therapists, facilities, etc.) to verify if they are in-network with the state-sponsored health insurance plans you are considering, or search for your provider(s) on each health insurance plan’s Find a Doctor tool. Review prescription drug formularies to determine tier placement of current medications, if covered. Be aware of prior authorization or other requirements and work with prescribers to help avoid disruption when the new plan coverage begins January 1. Prescription drug formularies are subject to change and should be reviewed during BOE prior to making elections for 2027.
MSPTA-Represented Employees Only: C.O.P.S. Health Trust employee share of premium rates for Plan 1, 2, and 3 will decrease effective January 1, 2027, due to the employer share increasing to match what the employer share for the SHP PPO will be.
Michigan State Police Employees Only: Reliance Supplemental Term Life Insurance rates will increase effect January 1, 2027.
