Open Enrollment

MIT Benefits Open Enrollment for 2026 will take place October 14 through October 31, 2025.

Benefits Open Enrollment for the 2026 calendar year will run for three weeks, from October 14 to October 31, 2025 (no changes can be processed prior to October 14). Any changes or updates you make during the Open Enrollment period will become effective on January 1, 2026.

You can complete your Open Enrollment elections on your computer, tablet, or smartphone. To do so, download MIT Atlas on any device, or use the link provided here starting October 14.

Please carefully assess your benefit options and costs before making decisions for yourself and eligible family members. 

Health and Welfare Benefits for 2026

MIT continues to share the cost of health and dental plan premiums with employees. Each year ahead of Open Enrollment, we evaluate projected rate changes and update our plans accordingly.

Health plan premiums

For the 2026 calendar year, Blue Cross Blue Shield (BCBS) health plan premiums will increase by an average of 7%, which remains below the national medical cost trend of 8.5%. This increase reflects rising expenses in hospital care (inpatient and outpatient), new therapeutic drugs, and behavioral health services.

Changes to both the BCBS PPO+ Health Plan and the BCBS High Deductible Health Plan (HDHP) will take effect in 2026, including increases to deductibles, out-of-pocket maximums, and copays for office visits, inpatient hospital, and pharmacy, as described below.

BCBS PPO+ Health Plan

  • Annual in-network deductibles will change from $150 to $175 (individual) and $300 to $350 (two-person & family)
  • Primary care provider (PCP) visit copays, non-MIT Health, will change from $15 to $25 (behavioral health visits remain at $15)
  • Specialist visit copays, non-MIT Health, will change from $30 to $40 (physical therapy visits remain at $30)
  • Inpatient hospital copays will change from $50 to $150
  • Out-of-pocket maximums will change from $2,500 to $2,875 (individual) and $5,000 to $5,750 (two-person & family)

BCBS High Deductible Health Plan (HDHP)

  • Annual deductibles will change from $1,650 to $1,700 (individual) and $3,300 to $3,400 (two-person & family). These are IRS-mandated changes.
  • Out-of-pocket maximums will change from $3,000 to $3,500 (individual) and $6,000 to $7,000 (two-person & family)

Pharmacy copay changes

Applies to both MIT health plans (HDHP deductible applies first)

  Retail (30-day supply) Mail Order (90-day supply)
Drug Tier 2025 2026 2025 2026
Generic $10 $15 $20 $25
Preferred Brand $35 $45 $70

$80

Non-Preferred Brand $50 $75 $100

$125

Specialty Drug (new) N/A $100 N/A

$125

Dental plan and vision plan

Basic Dental Plan premiums will remain the same in 2026, while Comprehensive Dental Plan premiums will increase by 4.4%. The Vision Plan premiums will remain the same.

Note: The weekly costs for support/service staff for 2026 are calculated over 53 pay periods (vs. 52 pay periods in 2025), so weekly amounts for the Basic Dental Plan will decrease.

Flexible Spending Account maximums

  • The 2026 Flexible Spending Account (FSA) maximums are $3,300 for the Health Care FSA and $5,000 for the Dependent Care FSA.
  • If you wish to remain in a Health Care or Dependent Care Flexible Spending Account for calendar year 2026, you must re-enroll in coverage.

Health Care Savings Account (HSA) maximum

The 2026 HSA maximum contributions are $4,400 for employee coverage and $8,750 for employee + spouse or domestic partner (if a tax dependent), employee + child(ren), or family coverage. Additional $1,000 if you are age 55 or older.

2026 MIT Benefits Brochure

See the brochure for plan details, help comparing plans, and more.

See the brochure
Brochure cover

Plan Premiums for 2026

Health

Staff and faculty (semimonthly)

Coverage Tier BCBS PPO+ Plan BCBS HDHP
Employee $136.00 $91.50
Employee + Spouse/Domestic Partner $328.00 $238.50
Employee + Child(ren) $280.50 $202.50
Family $432.00 $306.00

Support and service (weekly)

Coverage Tier BCBS PPO+ Plan BCBS HDHP
Employee $59.32 $39.17
Employee + Spouse/Domestic Partner $142.87 $102.34
Employee + Child(ren) $124.75 $89.43
Family $189.96 $132.91

Postdoctoral scholars

Dental

Basic Dental Plan premiums will remain the same in 2026, while Comprehensive Dental Plan premiums will increase by 4.4%.

Note: The weekly costs for support/service staff for 2026 are calculated over 53 pay periods (vs. 52 pay periods in 2025), so weekly amounts for the Basic Dental Plan will decrease.

Staff and faculty (semimonthly)

Coverage Tier Basic Dental Plan Comprehensive Dental Plan
Employee $3.00 $11.50
Employee + Spouse/Domestic Partner $10.00 $32.00
Employee + Child(ren) $10.00 $32.00
Family $15.50 $48.50

Support and service (weekly)

Coverage Tier Basic Dental Plan Comprehensive Dental Plan
Employee $1.36 $5.21
Employee + Spouse/Domestic Partner $4.53 $14.49
Employee + Child(ren) $4.53 $14.49
Family $7.02 $21.96

Postdoctoral fellows (semimonthly)

Coverage Tier Basic Dental Plan Comprehensive Dental Plan
Employee $19.50 $28.00
Employee + Spouse/Domestic Partner $35.50 $57.50
Employee + Child(ren) $35.50 $57.50
Family $53.50 $86.50
Vision

There will be no increase to vision plan premiums in 2026.

Note: The weekly costs for support/service staff for 2026 are calculated over 53 pay periods (vs. 52 pay periods in 2025), so weekly amounts will decrease.

Staff and faculty (semimonthly)

Coverage Tier Cost
Employee $2.83
Employee + Spouse/Domestic Partner $5.38
Employee + Child(ren) $5.66
Family $8.32

Support and service (weekly)

Coverage Tier Cost
Employee $1.28
Employee + Spouse/Domestic Partner $2.44
Employee + Child(ren) $2.56
Family $3.77
Life insurance

Premiums for optional and dependent life insurance will remain the same in 2026.

Optional life insurance plan premiums

Age on January 1 Monthly cost per $1,000 of coverage
Under age 30 $0.018
Age 30 - 39 $0.024
Age 40 - 44 $0.030
Age 45 - 49 $0.060
Age 50 - 54 $0.090
Age 55 - 59 $0.143
Age 60 - 64 $0.199
Age 65 - 69 $0.348
Age 70 - 74 $0.554
Age 75 - 79 $0.841
Age 80+ $1.269

Example: You are age 42 and would like to purchase $250,000 in Optional Life Insurance. Your monthly cost would be $0.030 per $1,000 of coverage ($0.030 x 250) or $7.50 per month. Actual semi-monthly or weekly payroll premium may be different due to rounding.

Voluntary

There will be no increase to the premiums for identity theft protection services, legal insurance, or pet health insurance in 2026; however, the weekly costs for support/service staff for 2026 are calculated over 53 pay periods (vs. 52 pay periods in 2025), so weekly amounts will decrease.

You can view the premiums on the web pages for these plans:

Other Programs

Portable Child Care Subsidy

To address the high costs of child care, MIT offers a Portable Child Care Subsidy (PCCS) program, based on household income, for eligible employees with children under 13 years of age. If you wish to apply for the PCCS for calendar year 2026 you must do so during Open Enrollment.

Parent with children

Get a second opinion

Through 2nd.MD, connect with board-certified, leading doctors across the country for expert second opinions via video or phone—simply and quickly. Get information about your diagnosis, treatment plan and next steps in care from a nationally recognized specialist. 

Hinge Health

Work with dedicated physical therapists and coaches to create a personalized care plan to overcome joint and muscle pain.

What Else You Should Know

If you are eligible to receive benefits, you may include your domestic partner in your health, dental, or vision plan coverage. Learn how MIT defines a domestic partner and how a domestic partnership affects your taxes.

Help and contacts

Here's how to reach the vendors for each of MIT's benefit plans, or you can contact MIT Benefits by phone or email for assistance.

Vendor Phone Website
ARAG (legal insurance) 1-800-247-4184
ASPCA (pet health insurance) 1-877-343-5314
Blue Cross Blue Shield of MA 1-888-376-0218
Delta Dental 1-800-872-0500
Express Scripts 1-866-454-7118
EyeMed 1-866-939-3633
 
Fidelity – Health Savings
Account (HSA)
1-800-544-3716
Fidelity – Supplemental 401(k) Plan 1-877-MIT-SAVE
or 1-877-648-7283
HealthEquity 1-877-924-3967
Hinge Health 1-855-902-2722
ID Watchdog 1-866-513-1518
MIT Health 1-617-253-4481
Pension Service Center 1-855-4MITPEN
or 1-855-464-8736
Pets Best 1-888-984-8700
2nd.MD 1-866-841-2575

Disclaimer

MIT expects to continue offering the employee benefits plans noted on this site, but it reserves the right to amend, cancel, or terminate the plans at any time. If there is a discrepancy between this site and the official Plan Document(s), the official Plan Document(s) will govern.

Note: If your employment with MIT is governed by a collective bargaining agreement, then the availability of these benefits and the extent of your participation in these plans will be governed by the terms of your collective bargaining agreement.

Related Forms & Resources

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