Annual Enrollment
Starting Monday, October 14, through Friday, November 1, you will have an opportunity to update your insurance benefit elections for 2025.
- We encourage you to review your benefit elections annually even when you are not making any changes.
- Remember: pre-taxing eligible insurances and setting money aside for medical and dependent care expenses must be done annually through your NDPERS Member Self Service (MSS).
- Prepare for Annual Enrollment by logging into MSS today. First-time MSS users, need to create a ND Login.
Need more information?
Join us for one or both of our upcoming events. Both events will be recorded and added to the NDPERS website.
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October 9 at 10 am CT: Join NDPERS Insurance Plans Manager, Lindsay Schaf, as she explains your insurance benefit options during annual enrollment. Add this event to my calendar.
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October 16 at 10 am CT: Guest speaker from ASIFlex will help members understand Medical and Dependent Care Flexible Spending Accounts with NDPERS. Add this event to my calendar.
What updates can be made during Annual Enrollment?
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- Enroll in insurance plans for which you are eligible
- Add or remove dependents
- Change level of coverage with your insurance(s)
- Apply to increase or decrease your life insurance coverage
- Update your FlexComp: Medical and Dependent Care Flexible Spending Accounts or pretax eligible insurance premiums are annual elections. To participate, you must enroll annually.
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 Summary of Plan Changes for 2025
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FlexComp Plan: The Medical Flexible Spending Account (FSA) limit increased to $3,200.
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Dental Insurance: Slight increase in monthly premium. View rates.
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Health Insurance: Members enrolled in the High Deductible Health Plan (HDHP) with the Health Savings Account (HSA) have higher total IRS contribution limits, which are the sum of employee and employer contributions.
- Single max: $4,300
- Family max: 8,550
- Age 55+: can continue to set aside an additional $1,000 into their HSA
Insurance Benefits Overview
Updating Life Insurance Coverage
Most life insurance application changes require a printed application and an Evidence of Insurability (EOI) form. These forms must be submitted to your Payroll Department. They will forward applications to NDPERS. Do not submit forms directly to NDPERS or Voya.
Supplemental Employee Coverage
- Applying for $25,000 increase in existing Supplemental Employee Coverage, not to exceed the $300,000 Guarantee Issue Limit
Submit one life insurance application. An Evidence of Insurability (EOI) is not required.
- Applying for more than $25,000 increase in Supplemental Employee Coverage up to the $300,000 Guarantee Issue Limit
Submit two life insurance applications.
First application: One for $25,000 without an EOI. The $25,000 can be guaranteed without underwriting, as long as you remain under the $300,000 Guarantee Issue Limit. An Evidence of Insurability (EOI) is not required.
Second application: One for the total amount you wish to increase and an EOI form. This amount will be subject to underwriting by the life insurance carrier (Voya).
- Applying for increased coverage above the $300,000 Guarantee Issue Limit, or newly adding Supplemental Employee Coverage (currently have only Basic level of coverage)
Submit one life insurance application and an EOI to your Payroll Department.
Supplemental Spouse Coverage
Employees can elect to apply for increased coverage on their spouse, up to 50% of the total employee coverage. Any supplemental spouse applications will require an Evidence of Insurability (EOI) and a Life Insurance Application.
Dental & Vision Insurance
When you enroll, you may not cancel your dental or vision coverage during the plan year unless you terminate employment. You may also make changes consistent with a qualifying event or ineligibility of a dependent.
NDPERS Dental Insurance Plan is offered through Delta Dental of Minnesota.
If your employer offers another dental insurance provider, such as Total Dental Administrator (TDA), ask your employer how to enroll with that carrier.
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FlexComp: Medical and Dependent Care Flexible Spending Accounts (FSA)
This benefit helps you set aside money from your paycheck on a pre-tax basis to pay for medical and dependent care expenses. That means you do not have to pay federal tax, and in most cases, state income tax, or FICA taxes on those dollars.
When planning for the next year, you should take a look at your prior year's expenses to anticipate your future expenses. Use the ASIFlex's eligible expense list and savings calculator to learn more about this benefit.
High Deductible Health Plan (HDHP) with Health Savings Account (HSA)
The HDHP has higher annual deductibles; therefore, you will have higher out-of-pocket costs for medical services. The higher initial out-of-pocket costs may be offset by an employer contribution to an HSA created in your name.
The NDPERS HDHP has a cap on how much you will pay out-of-pocket during a year, and it covers preventive services (as designated by the Affordable Care Act (ACA)) with no out-of-pocket costs to you. The HSA helps cover medical expenses until your annual deductible and out-of-pocket maximum are met. Use the HSA FAQ to understand this plan better.
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