Interning at Microsoft

Congratulations on your internship with Microsoft! Your time with Microsoft is not only going to provide you with incredible learning experiences in your chosen field and leadership, you’re also eligible for fantastic benefits through Microsoft. Use this information to make your selections

We provide industry-leading medical insurance coverage to ensure that you and your family have the support you need to get and stay well. All our plans offer comprehensive medical insurance coverage that pays 100% of your preventive care, and, where possible, limit the amount of health care costs you pay each year.

Use the Summary Plan Description to learn more about all of our available health plans.

Note: Dental and vision plans are not included in available health plans.

Health

Premera: HSP (Blue Cross)

The Premera Health Savings Plan (HSP) is a high-deductible health plan available in all states. Residents of Hawaii should access the Hawaii-only (below) resources for accurate information.

Key features

Choose any provider you like, with lower costs for providers within the extensive Premera Blue Cross Network.

Includes prescription drug coverage

Preventive care

100% covered

Out of pocket costs

A deductible applies before the plan begins to pay for services, except for preventive care.

Choose this option if...

You want access to a national provider network.

You want to contribute to a Health Ssavings Account* (HSA).

* If you select the HSP you are eligible to contribute to a Health Savings Account (HSA), which can be used to save your pre-tax dollars for eligible expenses. If you’d like to open an HSA you can do so at the bank of your choice and all contributions to the account would be managed by you.

Premera: Health Connect Plan (Blue Cross)

The Premera Health Connect Plan (HCP) is a zero-deductible plan only available for residents of King and Snohomish Counties in Washington State.

Key features

Choose any provider you like. Pay less when you use a provider in the Health Connect or Premera Extended network.

Get personalized care coordinated by a primary care provider.

Access an Eastside provider network. Get extra help if you’re new to the US health care system.

Includes prescription drug coverage

Preventive care

100% covered

Out of pocket costs

This will vary based on your level of coverage

Choose this option if...

You live in King or Snohomish County and want a national health plan that works like a local plan.

Premera: Hawaii only (Blue Cross)

As with the Health Savings Plan, the Hawaii-Only plan is a high-deductible health plan.

Key features

Choose any provider you like, with lower costs for providers within the extensive Premera Blue Cross Network.

Includes prescription drug coverage

Preventive care

100% covered

Out of pocket costs

A deductible applies before the plan begins to pay for services, except for preventive care.

Choose this plan if...

You and your eligible dependents reside in Hawaii

Surest Health Plan (United HealthCare Choice Plus)

The Surest plan is a Preferred Provider Organization (PPO) health plan available in all states except Hawaii.

Key features

Access to both in- and out-of-network care, with in-network providers available at a lower cost

Includes prescription coverage through OptumRx.

Preventive care

100% covered

Out-of-pocket costs

Co-pay only plan

No deductibles and no co-insurance

Out-of-pocket maximum to provide safety net

Choose this plan if...

You want access to a national in-network provider network.
You prefer to pay a fixed amount for most of your medical services.

Kaiser Foundation Health Plan of Washington

The Kaiser Foundation Health Plan of Washington is a Health Maintenance Organization (HMO) plan.

Key features

You and your primary care doctor coordinate your care with other providers within the Kaiser Foundation Health Plan of Washington network

In most cases, services provided outside the Kaiser Foundation Health Plan of Washington network are not covered; you can see participating community specialists with a referral

Emergency care services available anywhere in the world, regardless of network

Online access to schedule appointments, view medical records, and exchange secure email messages with your doctors

Includes prescription drug coverage

Preventive care

100% covered

Out-of-pocket costs

No deductible and limited co-insurance

Copays for most outpatient services except for preventive care

Choose this plan if...

You and your eligible dependents live in Washington and receive most of your health care within the Kaiser Foundation Health Plan of Washington service area.

You prefer to pay a fixed amount per office visit and for other outpatient care

You prefer to work with your primary care provider to coordinate your health care.

Note: Not available in 2026

Kaiser Permanente (California only)

Kaiser Permanente is a Health Maintenance Organization (HMO) plan.

Key features

You and your primary care doctor coordinate your care with other providers within the Kaiser Permanente network

In most cases, services provided outside the Kaiser Permanente network are not covered; except for emergency care.

Online access to schedule appointments, view medical records, and exchange secure email messages with your doctors

Includes prescription drug coverage

Preventive care

100% covered

Out-of-pocket costs

No deductible and limited co-insurance

Copays for most outpatient services except for preventive care

Choose this plan if...

You and your eligible dependents live in California and receive most of your health care within the Kaiser Permanente service area.

You prefer to pay a fixed amount per office visit and for other outpatient care

You prefer to work with your primary care provider to coordinate your healthcare.

Note: Not available in 2026

Other available specialty services

Provider Quality Navigation services through Embold (not available to Kaiser members)

Fertility and family building services through Progyny and Maven

Cancer Navigation support and resources through your selected health plans

Second Medical Opinion through your selected health plans

Menopause support through Maven

New and expectant support, also available through Maven.

Wellbeing

Microsoft provides a wide variety of opportunities to see to all aspects of your wellbeing, from emotional, to physical, and even financial. Explore the services and programs below to learn more about the many ways in which Microsoft is ready to help you be your best self.

Microsoft CARES stands for Counseling, Assistance, Referrals, Education, and Support. Visit our MS CARES page to access a wealth of wellbeing resources, including 24-hour crisis support, coaching, and mindfulness resources. Other available resources include accommodations support, ergonomic resources, and neurodivergent resources.

Perks+ is a program available to Microsoft employees to provide cost-saving opportunities in a variety of ways. Employees and interns in Washington can choose between Perks+ reimbursement and Perks+ PRO Club. Perks+ reimbursement is available to all others.

Financial wellbeing resources are available to you as an intern at Microsoft. Though you do not have access to our retirement services, you still have access to knowledge and other resources to help you get a better understanding of what’s available and what you can be doing now to invest in your future.

You will also have access to our PRIME Discount Program to help you find deals on a variety of opportunities and resources.

Physical wellbeing resources are also included as part of your Microsoft-provided health plan. These include, but are not limited to,

Health screenings and vaccinations, including mammography

Chronic condition management for illnesses such as diabetes and hypertension

Co-morbidity assistance such as Type 2 Diabetes prevention, weight management, and our smoking cessation program.

Kaiser members should work with Kaiser customer service representatives to access the suite of offerings available through their network.

Financial

As an intern with Microsoft, you have access to protective measures to ensure your safety while traveling for and doing your work.

Should your internship require you to travel while working for Microsoft, you’ll have access to business traveler’s insurance through our Worldwide Emergency Assistance program.

Should you get injured while working for Microsoft, you’ll have access to workers’ compensation through Microsoft.

In addition to our comprehensive health plans for you and your family, you can also purchase pet insurance to take care of your fur babies through MetLife Pet Insurance.

Time away

We understand that not every day be a workday, and we want you to be able to take the time you need to be at your best health. As an intern at Microsoft, you’ll have Holistic Health Time Off that you can use to take care of yourself and your loved ones. We have several resources that will help you take time off when you need it, all of which you can find at our Time Away and Leave of Absence page.

You’ll enjoy up to eight paid holidays with Microsoft, depending on the dates of your internship.

Eligible interns, visiting researchers, and their eligible dependents can enroll in this benefit as a new hire or during the annual Open Enrollment period in November. If you enroll or make changes to your benefits during Open Enrollment, your elections will be effective on the following January 1.

Important: All interns and visiting researchers will need to access the Benefits Enrollment Tool and either enroll in, or decline, health coverage. If you do not take any action, you will automatically be enrolled in the Surest Plan, through United Healthcare (the default plan does not include coverage for dependents).

Some benefits begin on your eligibility date while others begin on the date you enroll. See the Summary Plan Description for detailed information on the date each benefit begins.

The benefits you select will remain in effect through the calendar year unless you experience a qualified status change.

Important note: If both you and your spouse/domestic partner work at Microsoft, be sure to review the details on the Enrollment and eligibility page to understand how that works.