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What's New in Benefits
Benefits Open Enrollment (BOE) runs from October 16, 2023 through November 6, 2023. BOE is your annual opportunity to enroll in or change elections for health, dental, vision, life, and long term disability (LTD) insurance and Health Care and Dependent Care Flexible Spending Accounts (FSAs).
The effective date for elections and changes is January 1, 2024 and they will first be reflected on the January 4, 2024 paycheck. Deductibles and out-of-pocket maximums (OOPMs) also reset on January 1, 2024. The final day of the 2024 plan year is December 31, 2024. November 13, 2023 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.
Employees do not need to re-enroll during BOE each year to retain existing insurance elections, but are strongly encouraged to review elections to ensure their 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.
*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.
McLaren Health Plan and Physicians Health Plan (PHP)
McLaren Health Plan and Physicians Health Plan (PHP) have chosen to not offer health insurance to state employees, retirees and dependents effective January 1, 2024. Enrollees in these plans must elect a new health plan during BOE to continue health coverage after December 31, 2023. If no new health insurance plan is elected, enrollment and coverage in McLaren Health Plan and Physicians Health Plan (PHP) expires on January 1, 2024. Current enrollees will be contacted directly by both email and mail with additional details and information. Visit the Heath Plan Discontinuation page for more information.
HMO Insurance Premium Rate Increases
Employees are encouraged to review all aspects of their benefit elections every year, rates included. This year, HMOs have an increase in bi-weekly premiums. It is important to take these changes into account when making your benefit elections. The effective date for elections and changes is January 1, 2024 and they will first be reflected on the January 4, 2024 paycheck.
Visit the Insurance Rates page to review premiums and the Understanding CY24 HMO Insurance Premium Rates resource for a comprehensive explanation of the premium split. The CY24 Health Plan Cost Scenarios and CY24 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.
State HDHP with HSA
The IRS has increased the minimum deductible amount that must be charged for an HDHP for plan year 2024, therefore the deductible amount for the State HDHP will be as follows:
- The In-Network deductible is increasing from $1,500 to $1,600 for individuals and from $3,000 to $3,200 for family coverage.
- The Out-of-Network deductible is increasing from $3,000 to $3,200 for individual coverage and from $6,000 to $6,400 for family coverage.
For the HSA, the IRS has increased the annual combined employee and employer HSA maximum contribution limit to $4,150 for individual coverage and $8,300 for family coverage.
Flexible Spending Accounts (FSAs)
The FSA minimum contribution will change from $2 to $1 per pay period.
Effective January 1, 2024, flexible spending account (FSA) annual goals must be dispersed over 25 bi-weekly pay periods. IRS regulations require FSA contributions be uniform intervals for all participants. A 25 bi-weekly pay period interval allows employees to elect up to the FSA annual maximum(s) if desired.
For additional FSA-related information, view the 2024 FSA Plan Booklet.