Open Enrollment 2025-2026
CU Medicine's Open Enrollment begins at 8 a.m. on Monday, April 28, and ends at 4 p.m. Friday, May 9. 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, 2025.
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 2025-2026.
WHAT'S NEW? At a glance:
- Deductible will increase for the High Deductible plan to meet IRS minimums.
- Out-of-pocket will increase for the High Deductible, Exclusive and Kaiser.
RATES AND MONTHLY PREMIUMS
MEDICAL PLAN CHANGES
High Deductible Plan
- Plan Basics:
- The High Deductible plan provides a national network of providers, but requires that enrollees first meet a deductible. Once enrollees have satisfied the deductible, they will be responsible for paying coinsurance for care.
- The plan can be paired with a Health Savings Account (HSA), which can be used to pay for qualified health care expenses now or in the future. You can enroll in the HSA at any time.
- This plan offers Anthem's nationwide network of providers and facilities, and you'll have the flexibility to schedule your own appointments with specialists — no primary care provider or referrals needed.
- Find a doctor: Visit Anthem's CU microsite and select CU Health Plan — High Deductible to find providers.
- In-network out-of-pocket maximum: The plan’s out of pocket maximum will be $3,300 for single in-network coverage and $6,600 for family in-network coverage (formerly $3,200 and $6,400 respectively).
- Out-of-network deductible: The plan’s out-of-network deductible will be $3,300 for single coverage and $6,600 for family coverage (formerly $3,200 and $6,400 respectively).
- Out-of-network out-of-pocket maximum: The plan’s out-of-pocket maximum will be $6,600 for single out-of-network coverage and $13,200 for family out-of-network coverage (formerly $6,400 and $12,800 respectively).
- Rates: High Deductible plan monthly premiums will not change.
Exclusive Plan
- Plan Basics:
- The Anthem-administered plan provides access to health care providers within a single statewide network, with many doctors and specialists across Colorado.
- The plan includes a low deductible and fixed copays for office visits and prescription drugs.
- Find a doctor: Visit Anthem's CU microsite and select CU Health Plan — Exclusive to find providers.
- Out-of-pocket maximum: The CU Health Plan — Exclusive plan out-of-pocket maximum will increase to $9,200 for single coverage and $18,400 for family coverage (formerly $9,100 and $18,200 respectively).
- Rates: Exclusive plan monthly premiums monthly premiums will not change.
Kaiser Plan
- Plan Basics:
- Kaiser provides a single statewide network of doctors, with a primary care doctor directing your care. In most cases, referrals are required but you may self-refer to certain specialists.
- In place of deductible, enrollees will pay a copay for medical visits, diagnostic testing and hospital or facilities services.
- Find a doctor: Visit Kaiser's CU microsite to find providers.
- Out-of-pocket maximum: The CU Health Plan — Kaiser out-of-pocket maximum will increase to $9,200 for single coverage and $18,400 for family coverage (formerly $9,100 and $18,200 respectively).
- Rates: Kaiser plan monthly premiums will increase significantly, due to high administrative fees and continued migration of enrollees away from the plan.
Additional Plan Changes
- CU Medicine offers two dental plans — Essential and Choice.
- Rates: Monthly premiums for the Essential and Choice plans will increase from between $0 to $6, depending on the plan and coverage level.
