Open Enrollment

Open Enrollment is November 3–14, 2025

Open Enrollment is your once-a-year opportunity to review your benefits and make changes for the upcoming year, such as:

  • Enrolling in medical or dental coverage or switching plans
  • Adding or removing eligible dependents
  • Increasing your health savings account contribution to the 2026 limit
  • Enrolling in the healthcare or dependent care flexible spending account
  • Enrolling in or changing your supplemental AD&D or critical illness coverage

This is also a good time to review important federal notices related to your rights as a benefit-eligible employee.

If you do not take action during Open Enrollment, you will not be enrolled in some benefits.

  • Your medical, dental, health savings account (HSA), critical illness insurance, and supplemental AD&D elections will continue in 2026.
  • You will not be enrolled in the healthcare or dependent care FSA. You must re-enroll in these accounts each year.

What about my other benefits?

After Open Enrollment is closed, you should review your other benefits that aren't tied to Open Enrollment, including your retirement plans, long term disability insurance, and life insurance. These benefits aren’t available to change during Open Enrollment because you can add, drop, or change your coverage (or, in the case of your retirement plans, your investments and contribution amounts) at any time during the year. 

Select your benefits between Nov. 3 and 14

Enroll online now

How Open Enrollment works at IU

The IRS requires that your benefit elections stay in place for the entire calendar year unless you experience an IRS-defined qualifying life event. These events, such as marriage, divorce, loss of other coverage, or the adoption/birth of a child, allow you to make corresponding changes to your benefits, but only within 30 days of the event.

The only other time you can change your benefits is during the annual open enrollment period, a two-week period each fall. During this time, you can make changes to your benefits for the upcoming plan year, which go into effect on January 1.

Watch your home mailbox and IU email for details and instructions in the coming months.

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