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2025 Plan Changes

What's new or changing for 2025

Even if you’re happy with your current elections, it’s always a good practice to review and confirm that you’re still in the best plans for your situation. Some plans also require you to re-enroll each year, such as the flexible spending accounts. Review the information below for a summary of what’s changing and what's new for the upcoming year. 

 

Special Enrollment Opportunity

Long-term Disability Insurance

Voluntary Long-term Disability (LTD) insurance replaces part of your income if you're unable to work due to a qualifying disability, such as an injury, illness, mental health condition, or pregnancy.

Enrollment in LTD insurance or increasing your coverage is typically allowed at any time during the year, but requires that you provide proof of good health to the plan's administrator, The Standard, for approval before you can enroll.

However, during this year's Open Enrollment period, you have the opportunity to enroll in LTD insurance or increase your coverage without providing proof of good health. If you have previously applied and been denied coverage, you are not eligible to enroll during this special enrollment period. 

Learn more about this special enrollment opportunity and estimate your premium cost at the link below.

Learn more about LTD insurance

Quick Links

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Open Enrollment Guide

On-Demand Videos

IU Benefits Site

Have questions about your benefits? Need help with enrollment? Just ask.

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askHR@iu.edu

Medical Coverage

All Medical Plans

    • Employee contributions for medical coverage will slightly increase by 1.5% across all salary bands and coverage levels. Additionally, the lowest three salary bands will be adjusted to include more employees in the lower-cost premium groups. Visit the plan premiums page for a full list of 2025 premiums.
    • The tobacco-free premium reduction will be $7.50 per month for the employee or spouse, or $15 for both.
    • All members will be issued a new Anthem ID card that should be used for medical, vision, and prescription services starting January 1, 2025.
    • New partnership with Archimedes. Thanks to a new partnership, specialty medications (drugs that treat complex/chronic conditions that are often high-cost and require special handling or administration) will be managed and filled through Archimedes instead of CVS Specialty. Details about this transition will be communicated to affected members in the coming months. All other prescriptions will continue to be managed through CVS Caremark.
    • Anthem will no longer offer the AllClear ID identity protection program to medical plan members. If you utilize this service, you will receive a message directly from Anthem about options for transitioning to a private paid membership, if desired.

Anthem PPO HDHP

    • In-network: Deductible will increase to $2,000 for employee-only coverage and $4,000 for all other coverage levels. Out-of-pocket maximum will increase to $4,000 for employee-only coverage and $8,000 for all other coverage levels.
    • Out-of-network: Deductible will increase to $4,000 for employee-only coverage and $8,000 for all other coverage levels. Out-of-pocket maximum will increase to $8,000 for employee-only coverage and $16,000 for all other coverage levels.

Anthem PPO $500 Deductible

    • In-network: Out-of-pocket maximum for prescriptions will decrease to $6,800 per individual and $11,200 family maximum.

Dental Coverage

  • No plan or premium changes. 
  • All salary bands will be adjusted for 2025. View the plan premiums page for a full list of 2025 premiums.

Health Savings Account (HSA)

  • The annual IRS contribution maximum will increase to $4,300 for employee-only coverage and $8,550 for all other coverage levels. The $1,000 catch-up contribution for individuals age 55 and older will remain the same.
  • The university’s annual HSA contribution will remain at $1,300 for employee-only coverage and $2,600 for all other coverage levels and will be deposited bi-annually. This means that members will receive half of IU's contribution in January and the other half in July. Employee contributions will continue to be deposited with each paycheck.

Flexible Spending Accounts (FSA)

  • Claims can no longer be submitted by email; they can only be submitted online through the WEX website or mobile app, by fax, or by mail.

Healthcare FSA

  • The annual contribution maximum will increase to $3,200 per individual.
  • The annual carryover limit will increase to $640.

Dependent Care FSA

  • No plan changes.

Supplemental AD&D

No plan or premium changes.

Are you a resident, retiree, or COBRA participant? Find Open Enrollment details for your group.