The latest work-life information at IU
No. 58
October 2012

University Human Resources
Informed Employee

Annual Open Enrollment
November 5 - 16

Once a year, full-time employees have the opportunity to make changes in medical, dental, and Personal Accident Insurance coverages and to enroll in Tax Saver Benefit (TSB) pre-tax reimbursement accounts.

If an employee does not make enrollment changes during Open Enrollment, participation in medical, dental, and Personal Accident Insurance will remain the same but at the 2013 contribution rates.

Continuation or new enrollment in the tobacco-free reduction and TSB is required annually.

  • To continue (or start) receiving the tobacco-free premium reduction, completion of a new affidavit is required.
  • To continue (or start) participating in the TSB reimbursement account, completion of a salary reduction for 2013 is required.
  • The tobacco-free premium reduction and TSB salary reduction can be processed in the online Open Enrollment section of OneStart.

The Open Enrollment period takes place during November of each year, with enrollment changes becoming effective on January 1. This is an opportunity to:

  • Enroll in or drop medical and/or dental coverage.
  • Add or drop dependents.
  • Add, drop, or change Personal Accident Insurance.
  • Allocate contributions for pre-tax reimbursement of health and/or dependent care expenses (TSB).
  • Change contributions to the HDHP PPO Health Savings Account. (Can also be done during the plan year.)
  • Complete the tobacco-free affidavit to receive a premium reduction.

An Open Enrollment packet with additional enrollment instructions will be sent to employees in the next week through campus mail. Employees are to use Benefits Self Service in OneStart to initiate or change enrollments and to complete the tobacco-free affidavit. The deadline is November 16, 2012.

Eligibility rules for enrolling dependents in IU-sponsored medical and dental plans are available at


Advantages of the HDHP PPO & HSA Plan

Four years ago, the University introduced a new medical plan called the High Deductible Health Plan (HDHP) PPO and Health Savings Account. This plan includes a unique account with significant preferential treatment of taxes. Over 8,000 IU employees and their families are now taking advantage of this plan.

Triple Tax Savings

The HSA offers substantial tax savings:

  1. The employee's and IU's contributions to the HSA are not subject to taxes.
  2. Money withdrawn is not subject to taxes as long as it is used to pay for eligible healthcare expenses.
  3. Earnings on the HSA are not subject to taxes.

IU Contributions

For 2013, IU's contribution to the Health Savings Account (HSA) will increase to be equal to the deductible—$1,250 for employee-only coverage and $2,500 for family.

Flexibility of Health Savings Account

The employee and IU both contribute to the HSA. IU's contribution is made to the employee's account in early January, so the funds can be used immediately if needed.

About the Plan


The HDHP PPO & HSA has a higher deductible than other plans. This is required by the IRS to obtain the preferential tax treatment of the HSA.


Healthcare Program for 2013

Across All Medical Plan Options

IU Tax Saver Benefit Plan

The IU TSB Plan is designed to save tax dollars when a participant pays for IRS-eligible expenses. The two healthcare reimbursement accounts are for healthcare and dependent care expenses. Employees may enroll in one or both accounts.

HDHP PPO & Health Savings Account (HSA) Plan

PPO $400 Deductible Plan

IU PPO $900 Deductible Plan

IU Health Quality Partners Plan

IU Dental Plan



Tobacco Use and Health
1 in 5 Adults Smoke

Tobacco use remains the single largest preventable cause of disease, disability, and death in the U.S. yet millions of people smoke. Almost 1 in 5 adults smoke.

Reducing tobacco use is a public health priority with known, effective actions for success and saved lives.

Centers for Disease Control and Prevention




Page updated: 8 October 2012
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