Open Enrollment

Highlights for 2025

Health plan premiums and enhancements 

• As you may know, MIT shares the cost of health plan premiums with you. Each year prior to Open Enrollment, MIT identifies the projected rate increases and changes for our health plans. For the 2025 calendar year, the BCBS health plan premiums will increase on average by 6.3%, lower than the medical cost trend of 7.7% or more. (See plan premiums below.)
• For those in the BCBS High Deductible Health Plan, deductibles will increase from $1,600 individual/$3,200 family to $1,650 individual/$3,300 family, as mandated by the IRS. 
• The MIT health plans will now provide 24 acupuncture visits (an increase from 20).
• Hearing aids will now be covered up to $2,500 for one hearing aid or one set of binaural hearing aids per calendar year. PPO+ Plan members will be responsible for all charges beyond the $2,500 maximum, no deductible, for both in-network and out-of-network costs. HDHP members will be responsible for all charges beyond the $2,500 maximum, after the deductible is met. The out-of-network cost is 25% coinsurance after deductible and all charges beyond the maximum.
• In addition, we will offer the following two new programs for those enrolled in a BCBS health plan: 

Dental plan premiums and enhancements

• There will be no changes to the Basic Dental Plan, and premiums will remain the same.
• Comprehensive Dental Plan premiums will increase by 3.6%.
• The Comprehensive Plan's annual coverage maximum will increase from $1,750 to $2,500.
• The Comprehensive Plan will now cover adult orthodontia with a $2,000 lifetime maximum.

Flexible spending account maximums

• The 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 the Health Care or Dependent Care Flexible Spending Account(s) for calendar year 2025, you must re-enroll in coverage.

Plan Premiums for 2025

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.

Disclaimer

MIT expects to continue offering the employee benefits plans noted in this document, but it reserves the right to amend, cancel, or terminate the plans at any time. If there is a discrepancy between this document 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.