What to Expect in 2027

Open Enrollment now happens entirely in Workday.

But don’t worry, you’ll still be able to visit this site or call the Benefits Center if you need help throughout the year.

Since we’re moving to Workday, take a few minutes during enrollment to:

• Check that your 2026 benefit choices carried over correctly
• Update your life insurance beneficiaries — the people who’d receive your life insurance money

Want the full walkthrough? Head to the How to Enroll page for step-by-step directions.

Back by popular demand, the PPO and High Deductible Health Plan are moving from UMR to Blue Cross Blue Shield of Texas (BCBS).

That means a more connected experience and better digital tools, including BCBS Health Advocacy Solutions (HAS), which will replace Accolade starting January 1.

Because of the changes to the PPO plan, if you’re currently enrolled in the PPO and would like medical coverage in 2027, you need to re-enroll during Open Enrollment.

Your current plan will not carry over. If you don’t enroll in a new plan, you will not have medical coverage in 2027.

Use the Medical Plan Recommendation Tool to understand what plan could work best for you next year.

Depending on your ZIP code, you may be required to use BlueHPN.

The BlueHPN (High Performance Network) is a smaller network of doctors and facilities. Look for “HPN” in your plan name during enrollment, or call BCBS Health Advocacy Solutions (HAS) at 1-855-552-7960 to check.

There are a few other changes to medical plans for 2027.

These changes include:

• A higher cost per paycheck

• Increases to the copay amount for primary care and specialistSpecialistA doctor who focuses on a specific area, like a dermatologist for skin or a cardiologist for your heart. visits under the Surest plan

• If you’re enrolled in the BCBS HDHP or PPO, or Surest plans, the amount you pay for an emergency room visit will increase in 2027 if you aren’t admitted to the hospital following the visit.

• An increase to the out-of-pocket maximumOut-of-Pocket MaximumThis is like your yearly safety net for your health plans. Once you've spent this amount out of pocket on covered services, your insurance takes care of 100% for the rest of the year. You'll only pay the cost per paycheck for coverage. for the BCBS PPO and Surest plans

Get discounted x-rays, MRIs, CT scans, ultrasounds and more if you’re enrolled in the Surest or BCBS plans.

The Surest and BCBS PPO and HDHP plans are partnering with OneImaging, which helps you:

• find a high-quality imaging facility near you
• set up your appointment
• make scheduling easy

All while saving you up to 50% of the cost of care.

If you enroll in the BCBS HDHP or PPO, you’ll receive a welcome kit with a sticker for OneImaging in the mail in December. Add that sticker to your new medical ID card.

Starting January 1, 2027, you’ll have two convenient ways to receive 90-day supplies of maintenance medications: Walgreens pharmacies nationwide or Optum Home Delivery.

Choosing one of these options helps maximize your prescription benefits and minimize out-of-pocket costs.

Optional Life and AD&D are now a package: enroll in one and you get both, with one combined cost.

Optional Life and Accidental Death & Dismemberment (AD&D) used to be separate plans. Now they’re combined, so you can’t enroll in just one. If you enroll in Optional Life, you’re automatically enrolled in AD&D too, with one combined cost.

If you were previously enrolled in only AD&D, you need to make a new election for the paired coverage to keep it in 2027.

During Open Enrollment, you can buy up to a certain amount of this coverage without answering any health questions.

If you enroll in the BCBS or Kaiser HDHP plans, the IRS has increased the amount you can save in an HSA in 2027.

Save up to:

• $4,500 if you only cover yourself
• $9,000 if you cover others

If you’re age 55 or older, you can save an additional $1,000 per year.

We’re introducing a $29 virtual care visit and a discount card for prescription drugs.

We’re introducing a $29 virtual care visit through Optum that is available to all Caliber teammates, even if you aren’t enrolled in a Caliber medical plan.

All teammates and their family members will also have access to the Optum Perks card, which offers access to prescription drugs at a much lower price.

These programs will both launch on January 1, 2027.

Not all of your benefits will experience change in 2027.

Dental, vision, spouse and child life insurance, accident insurance, critical illness insurance, hospital indemnity insurance, the legal plan and ID theft protection aren’t changing (though starting in January, you’ll be able to enroll in ID theft protection at any time during the year).