Open enrollment dates
Your health coverage should keep pace with your life. Open enrollment is the time to review your current plan, compare available options, add dependents, and make changes for the year ahead. Depending on the type of health coverage you need, the enrollment period for starting new plans, making changes to existing plans, or adding participants will vary:
MDA Health Plan: New groups can be started at any time! Changes/additions to existing plans can be made Oct. 1 – 31 (for employers) and Nov. 1 – 17 (for all eligible employees) for benefits effective Jan. 1, 2027.
Individual health plans:This includes coverage through carriers like Blue Cross Blue Shield of Michigan, Blue Care Network and Priority Health. New plans such as MyBlue or subsidized health plans purchased through MDA Insurance via the online Marketplace, can be started Nov. 1 – Dec. 15 for a Jan. 1, 2027 effective date. Enrollment Dec. 16 – Jan. 15, 2027, for a Feb. 1, 2027 start date. It is the only time you can start a new individual plan unless you experience a qualifying event.
Group plans: Groups can be started by employers at any time. The window for adding participants is during the month of your anniversary.
Medicare Annual Election period: Oct. 15 – Dec. 7 for benefits effective Jan. 1, 2027.
Medicare Supplement Plans: Oct. 15 – Dec. 7 for benefits effective Jan. 1. Subscribers can change plans or enroll for the first time if they missed their initial enrollment period.
Helpful resources
- MDA Health Plan: Our proprietary self-insured group plan
- MDA Retiree Health Plan
- Group Health Insurance Plans – Blue Cross ® Blue Shield ® of Michigan, Blue Care Network of Michigan
- My BlueSM – Individual Health Insurance
- Vision Insurance (VSP)
- Tips for understanding your plan: Deductibles, copays and coinsurance >>
- Urgent alert regarding Michigan Auto Insurance No-Fault changes
MDA Insurance offers the gamut of insurance coverage for you, your family and employees. Call 877-906-9924 for more information.
Tip #1: Get preventative care and exams without charge. Affordable Care Act-compliant plans provide free mammograms, colonoscopies, prostate exams and other preventive care, free of charge without a deductible. Be sure you take advantage of these services!
Tip #2: Stay in network. Choose health care providers that are in your plan’s network, so your co-insurance is minimized.
Tip #3: Request a prescription for 90 days for maintenance drugs. Typically, you’ll pay only two co-pays for a three-month supply rather than filling a prescription each month and having three co-pays.
Tip #4: Download the applicable subscriber app. Blue Cross Blue Shield of Michigan and Priority Health both have subscriber apps, where you can access your insurance card, check your claims, deductibles, find discounted products and services and more.
Tip #5: Schedule needed procedures early in the year. Meeting your plan’s individual or family deductible early in the year means fewer out-of-pocket dollars expended the rest of the year for health care needs. Get those elective or postponed surgeries done early if you have the option.
Personal Appointments Available
MDA Insurance provides the option of on-site visits or “Zoom” (a free-downloadable application that allows parties to see one another, converse and share documents using PCs, laptops or mobile phones) meetings to discuss the issues that apply to your particular situation. To schedule a visit at your convenience, please call 877-906-9924 and ask for an appointment.