Open Enrollment 2026-2027

CU Medicine's Open Enrollment begins at 8 a.m. on Monday, April 27, and ends at 4 p.m. Friday, May 8. This is your annual opportunity to keep, waive or enroll in medical, dental, vision, life and disability insurance for the coming plan year, effective July 1, 2026. 

If you want to keep the same benefit choices, no action is required and you will be automatically re-enrolled.

One exception: You must actively enroll in Health Care and Dependent Care Flexible Spending Accounts (FSA) for plan year 2026-2027.

MEDICAL PLAN CHANGES

High Deductible Plan

  • In-network deductible: The plan’s in-network deductible will increase to $1,700 for single coverage and $3,400 for family coverage (formerly $1,650 and $3,300 respectively).
    • This represents the lowest deductible by the IRS for high deductible plans that pair with a Health Savings Account.
  • In-network out-of-pocket maximum: The plan’s out of pocket maximum will be $3,400 for single in-network coverage and $6,800 for family in-network coverage (formerly $3,300 and $6,600 respectively).
  • Out-of-network deductible: The plan’s out-of-network deductible will be $3,400 for single coverage and $6,800 for family coverage (formerly $3,300 and $6,600 respectively).
  • Out-of-network out-of-pocket maximum: The plan’s out-of-pocket maximum will be $6,800 for single out-of-network coverage and $13,600 for family out-of-network coverage (formerly $6,600 and $13,200 respectively).
  • Rates: High Deductible plan monthly premiums will not change.

Exclusive Plan

  • Deductible: CU Health Plan – Exclusive enrollees will see their deductible increase to $500 for single coverage and $1,000 for family coverage (formerly $350 and $750, respectively).
  • Out-of-pocket maximum: The CU Health Plan — Exclusive plan out-of-pocket maximum will increase to $10,600 for single coverage and $21,200 for family coverage (formerly $9,200 and $18,400 respectively).
  • Prescription coverage change: GLP-1 drugs for weight loss are no longer categorized as Tier 2 medications. Copays for all weight-loss GLP-1 medications will increase from $50 to $100 for a maximum 30-day supply. GLP-1 drugs for diabetes and other diagnoses remain as Tier 2 medications.
  • Rates: Exclusive plan monthly premiums will increase for plan year 2026-27.

Kaiser Plan

  • Out-of-pocket maximum: The CU Health Plan — Kaiser out-of-pocket maximum will increase to $10,600 for single coverage and $21,200 for family coverage (formerly $9,200 and $18,400 respectively).
  • Rates: Kaiser plan monthly premiums will increase for plan year 2026-27. 

ADDITIONAL PLAN CHANGES

  • CU Medicine offers two dental plans — Essential and Choice.
  • Rates: Monthly premiums for the Essential and Choice plans will increase for plan year 2026-27.

Dependent Care Flexible Spending Account

  • The annual individual limit will increase to $3,400, up from $3,000.

Dependent Care Flexible Spending Account

  • The annual limit will increase to $7,500 per household ($3,750 for married filing separately), up from $5,000.