Changes for 2027

Your 2027 Benefit Options

Before you enroll in your 2027 benefits between October 22 – November 6, 2026, take time to learn about what's changing so you can choose the best benefits for yourself and your family.

What’s New?

For 2027, we are continuing to invest in benefits that support your health, well-being, and financial security while managing rising healthcare costs responsibly. The changes below are designed to provide meaningful choices, improve the value of selected benefits, and make it easier to find the support you need.

Healthcare costs are increasing

Healthcare costs continue to rise, which means medical premiums will increase for 2027. Transamerica will continue to pay the majority of the cost of coverage, balancing affordability for employees with the long-term sustainability of our benefit plans. Review your 2027 rates as you consider the coverage that best meets your needs.

Enhanced Plan updates: Expanded vision benefits

Beginning in 2027, the materials allowance in the Enhanced Vision Plan will double to $400 per year, providing more support toward eligible vision expenses. To support these expanded benefits, Enhanced Vision Plan premiums will increase for 2027. If you're currently enrolled in the Enhanced Plan and take no action during Annual Benefits Enrollment, you will remain enrolled in the Enhanced Vision Plan for 2027.

Supplemental health insurance: Protection at a lower cost.

Three Transamerica supplemental health insurance policies — Accident, Critical Illness, and Hospital Indemnity — will offer enhanced protection for 2027 at a lower employee cost. Take some time to explore these supplemental health insurance benefits to see if they are a good addition to your medical coverage.

Supplemental Health Insurance policies are underwritten by Transamerica Life Insurance Company (TLIC), Cedar Rapids, IA. TLIC is not an authorized insurer in New York.

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2027 contribution limits for tax-advantaged accounts

Use the limits below to plan your 2027 HSA and FSA contributions.

*Note: This is the 2026 limit. The 2027 FSA contribution limit will be updated once the IRS announces the annual limit later this year.

** Subject to applicable tax and nondiscrimination rules.

A new benefit for women's health

Beginning January 1, 2027, eligible employees and spouses will have access to personalized virtual care for family building — fertility, pregnancy and postpartum support — as well as holistic care for hormonal and midlife transitions. Maven offers specialized guidance, resources, and virtual care at no cost. Stay tuned for more about this new benefit coming soon.

This year, all benefits (other than the HSA and FSAs) that you are currently enrolled in will automatically continue in 2027 if you do not actively change them. You must enroll if you want to elect an HSA or FSA in 2027 – these benefits do not automatically carry over.

What You Need to Do

Learn about all your 2027 benefits by reviewing this Benefits Decision Guide.

Confirm your coverage. You must enroll if you want an FSA or HSA in 2027 – these elections do not automatically carry over. You do not need to actively elect your other benefits if you want to continue them in 2027.

Enroll for your benefits on the Aptia365 website between October 22 and November 6, 2026. After submitting your elections, save and carefully review your Benefit Summary to confirm your selections are accurate. Then, verify that each dependent listed in the "Who's Covered" section has a check mark next to the benefits you intended to enroll them in (medical, dental, and vision). The coverage shown on your benefit summary will take effect on January 1, 2027.

After November 6, 2026, you cannot make a new election (for 2027 benefits) until the next Annual Benefits Enrollment period unless you experience a qualifying life event, such as marriage or the birth of a child.
Note: If enrolling in the Wellmark Narrow Network Plan (Iowa residents only), you need to designate a primary care physician (PCP). This can be done at myWellmark.com after January 1, 2027. If you are a female and would like to designate two PCPs, one being an OBGYN, you'll need to call Wellmark at the phone number on your card to add the second PCP.

If you have any questions on electing your 2027 benefits, contact the Aptia365 dedicated Transamerica Benefits Center at 866-891-4274. Benefits counselors are available from 6 a.m. to 8 p.m. CT Monday through Friday.
During Annual Benefits Enrollment, extended hours will be available: Monday through Friday, 6 a.m. to 8 p.m. CT, and 9 a.m. to 1 p.m. CT on Saturdays.

If you are adding a new dependent to medical, dental or vision, you will need to submit dependent verification documentation to Aptia within 31 days from the date you make your elections in order for your dependent's elections to be processed. If you do not submit verification for your dependent timely, your dependent will be removed from your coverage. Documents can be submitted in the following ways:

Upload to the Aptia365 website
Mail copies of documentation to:
Aptia
PO Box 9035
Brentwood, NY 11717

It may take up to 10 business days to process your dependent verification after documentation has been received.

Watch your mail for ID cards if you make a new medical plan election.

If you enroll in new dental and/or vision coverage, you can print your ID card on the Delta Dental of Iowa website at deltadentalia.com or VSP at vsp.com after you register.

If you newly enroll in a Health Savings Account (HSA) or Flexible Spending Account (FSA) for 2027, you will receive a debit card and account information from Transamerica. You will only receive one debit card that you can use for any of the accounts, including commuter benefits.