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Making Changes to Your Coverage

You may enroll yourself and family members in MIT health insurance plans when you begin working at MIT, during the annual “open enrollment” period, or when a “qualifying event” occurs. You may make changes to your coverage—such as adding or subtracting family members or switching to a different health plan—during open enrollment or when a qualifying event occurs.

Open Enrollment

The annual “open enrollment” period is a time when you may enroll family members for the first time or make other changes to your health insurance with no questions asked. MIT Human Resources sends information about each year’s open enrollment period to all benefits-eligible employees.

If you make a change during open enrollment, it will go into effect on January 1 of the following year. For example, if you switched from MIT Choice to the MIT Traditional Health Plan during the open enrollment period in October 2021, you would be covered by the Traditional Plan starting on January 1, 2022. Learn more about open enrollment

Qualifying Events

Outside of open enrollment, you may make changes to your health insurance within 31 days of a “qualifying event.” The changes you make to your insurance coverage must be related to the change in your circumstances (such as adding coverage for a new spouse, new domestic partner, or new baby).

Visit MIT Benefits to learn how various life events may affect your benefits.