Retiree Open Enrollment

 

🚨 Attention Retirees! 🚨

This Open Enrollment webpage is for enrolling in medical benefits only. Open Enrollment for dental and vision benefits will occur through MetLife during Oct. 1 Oct. 31. You will receive dental and vision Open Enrollment instructions from MetLife by the first of September. Note: Your Open Enrollment will take place in Workday this year.

Mandatory Open Enrollment for 2026 benefits starts October 1 and continues through October 31with benefit elections taking effect January 1, 2026. Retirees currently enrolled in a medical plan must enroll during these dates to ensure coverage continues into 2026. For questions, email or call the Open Enrollment line at 852-0040 that is available from Oct. 1- 31, M-F 8 a.m. to 4:30 p.m. Please refer to “Key Dates and Actions” for links to Workday Open Enrollment instructions. If you don’t elect a medical plan during open enrollment, you will not have medical coverage for 2026. 


Key Dates and Actions:

 

Why Act Now?

  • NEW! Mandatory Enrollment for New Medical Plans: As part of UofL’s ongoing efforts to modernize and improve our benefit offerings, this year we are moving from five medical plans to three medical plans. Employees will have the choice of the PPO Plan with an HRA, the ULH plan, and the CDHP with an HSA. Retirees must choose one of these plans to have medical coverage for 2026.
  • Ensure Your Dependent Coverage: Confirm your covered dependents are still eligible for coverage.
  • Deadline: If you don’t enroll by 11:59 p.m., October 31, 2025, you will not have medical coverage for 2026. Dental and vision plans and rates will remain the same and will rollover from 2025 to 2026.
  • This is your only chance to add, drop, or change your benefit elections and dependents unless you experience a Qualifying Life Event during the year.
  • Health Reimbursement Accounts: Health Reimbursement Account balances (up to 1 times your annual university contribution) will be rolled over by May 1, 2026.  If you have remaining funds in your 2025 Health Reimbursement Account, but you do not enroll in the PPO with HRA for 2026, your Health Reimbursement Funds will not be rolled over.

 

Discover Your Benefits!

  • View the 2026 Retiree Benefit Plan Rates.
  • UofL is committed to supporting you with tools and resources as you evaluate your options. This year we are introducing a new tool that was created just for you. Our new Decision Pathways will help guide you through the three medical plan options. This tool will ask you questions about your expected healthcare costs and will help guide you to the option that might be right for you and your family. Ultimately, the decision is up to you.
    • You’ll also explore various deductible plan types, including embedded deductible plans (e.g., PPO Plan with HRA and ULH Plan) and aggregate deductible plans (like CDHP). A quick reference video is available to help you easily compare the differences between these options at deductibles.tellmein2.com.
  • Wellness Incentive: Earn 480 wellness points by November 21, 2025, to qualify for the $40 Get Healthy Now credit in 2026. Complete the Personal Health Program (PHP) for 200 points and earn the remaining 280 points through various activities. See a full list of point opportunities located on the Get Healthy Now website.
  • Vision, Dental, and Life Insurance: Premiums for 2026 will stay the same or have no increase. View the 2026 Retiree Benefit Plan Rates and scroll to the bottom for dental and vision rates. Note: Open Enrollment for dental, vision, life insurance benefits will occur through MetLife during Oct. 1- Oct. 31. You will receive Open Enrollment instructions from MetLife by the first of September.

 

Know more about your 2026 Benefit Offerings:

This year, we’re excited to bring you,

HRtalks Benefits

  • September 10 virtual HRtalks Benefits: Open Enrollment Overview
  • September 17 virtual HRtalks Benefits: All About Our Medical Plans for 2026
  • September 24 virtual HRtalks Benefits: All About Health Care Accounts (HRA, HSA, FSA)

To register for the virtual HRtalks sessions, visit the HRtalks webpage. All sessions will be recorded and available on the Recorded Sessions webpage.

Open Enrollment Benefit Fairs:

  • October 7, in-person, 8:00 a.m.–4:30 p.m. Belknap Campus — SAC W201AB
  • October 8, in-person, 8:00 a.m.–4:30 p.m. HSC Campus — CTR101/102

Open Enrollment 1:1 sessions with Benefits: During Open Enrollment, retireess can schedule an in-person or virtual appointment with the Benefits Team. In-person appointments will be held at Cardinal Station, located at 215 Central Avenue, Suite 205, throughout the Open Enrollment period.

 

How to Enroll:

  • System: Workday

 

After Enrolling:

  • Complete all 480 wellness points by November 21, 2025, to receive the $40 Get Healthy Now monthly incentive for 2026. Go to the Get Healthy Now website for more information.

 

Quick Links:

2026 Retiree Enrollment Form 

2026 Open Enrollment Mailer

2026 Retiree Benefit Plan Rates

2026 Medical Plan Comparison Chart


Questions about your benefits?
Please email  if you have questions about your benefits or Open Enrollment. Please also refer to our Benefits Definition page for benefits terminology.

Notice of Creditable Coverage and Privacy Practices You can access your current UofL prescription drug coverage, Medicare prescription drug coverage, your medical information and privacy surrounding your medical information at https://louisville.edu/hr/benefits/medical.