Annual Open Enrollment

Open Enrollment will begin on Monday, August 11, 2025, and continue through Friday, September 12, 2025. During this period, all active government employees and retirees may enroll in or make changes to their health insurance plans, life insurance, and beneficiary information.

2025 Open Enrollment Schedule, click here.

The Division of Personnel strongly encourages all active employees and retirees to attend an Open Enrollment session to learn about important changes to their health insurance plans, which will take effect on October 1, 2025. Representatives from Cigna, UnitedHealthcare, and The Standard will be on hand to provide direct assistance and ensure that participants have accurate, up-to-date information about their benefits.

To support employee participation, Governor Albert Bryan Jr. has authorized two (2) hours of administrative leave for central government employees to attend these important sessions. It is mandatory for all central government Human Resources Officers and/or Representatives to attend a session.

Changes to the group health insurance plan include:

• A 9% increase in premium rates
• The introduction of a Health Reimbursement Arrangement (HRA), offering additional support for qualifying out-of-pocket expenses
• The elimination of coverage for out-of-network providers, meaning only in-network services will be covered
• Increased deductibles, which may affect members’ out-of-pocket costs before insurance coverage begins
• A new requirement for prior authorization for GLP-1 medications, this includes popular drugs used to treat diabetes and support weight loss

Our staff is ready to help you understand and navigate your new benefits, please contact the Group Health Insurance Unit at (340) 774-8588 in St. Thomas or (340) 718-8588 in St. Croix, for information and/or assistance.