Open Enrollment Dates
Open Enrollment: November 2 through November 13
Coverage Effective: January 1, 2027
Do You Need to Take Action?
This is a passive Open Enrollment.
Your current benefit elections will automatically carry over to the new plan year, except for certain benefits such as spending accounts.
You should take action if you want to:
- Change your coverage
- Add or remove dependents
- Enroll in new benefits
- Enroll in or re-elect HSA contributions
- Enroll in or re-elect an FSA
What’s New for 2027?
Premiums
Medical, dental, and vision rates will increase beginning January 1, 2027. Monthly spousal surcharge will increase from $100 to $150.
Medical
| Coverage Level | HDHP | EPO | PPO Base | PPO Buy-Up |
|---|---|---|---|---|
| Employee | $15.23 | $21.95 | $55.88 | $134.22 |
| Employee + Spouse/DP | $110.45 | $155.84 | $254.26 | $479.17 |
| Employee + Spouse/DP (surcharge) | $179.68 | $225.07 | $323.49 | $548.40 |
| Employee + Child(ren) | $86.84 | $97.86 | $162.34 | $309.80 |
| Employee + Family | $151.01 | $202.24 | $305.74 | $541.34 |
| Employee + Family (surcharge) | $220.24 | $271.47 | $374.97 | $610.57 |
Dental
| Coverage Level | Dental HMO | PPO 1000 | PPO 2000 |
|---|---|---|---|
| Employee | No Change: $0.00 | $5.39 | $14.42 |
| Employee + Spouse/DP | No Change: $0.00 | $11.49 | $25.96 |
| Employee + Child(ren) | No Change: $0.00 | $18.57 | $30.86 |
| Employee + Family | No Change: $0.00 | $27.51 | $46.33 |
Vision
| Coverage Level | VSP 130 | VSP 150 | VSP Easy Choice |
|---|---|---|---|
| Employee | No Change: $0.00 | $2.41 | $3.96 |
| Employee + Spouse/DP | No Change: $0.00 | $4.89 | $8.06 |
| Employee + Child(ren) | No Change: $0.00 | $5.24 | $8.64 |
| Employee + Family | No Change: $0.00 | $8.42 | $13.85 |
Medical Plan Enhancements
The following program enhancements will begin January 1, 2027:
Enhanced clinical support will be available through Aetna, providing personalized and coordinated care for members.
Maven Clinic through Aetna for maternity, menopause, parenting, and pediatric support. Maven offers expert virtual care for you and your family’s health goals, available 24/7 through your medical benefits.
Lantern for specialty care related to surgery, cancer, and infusion treatment. Eligible members have access to vetted, high-quality specialists for planned, non-emergency procedures at little to no out-of-pocket cost.
Hinge Health is a virtual program for back, joint, and muscle pain management and support. Help reduce everyday joint and muscle aches, recover from an injury, and improve your mobility.
Learn more about these new programs in the New Support Services tab under Resources.
Prescription Plan Changes
Co-pays will change for prescription drugs and a specialty drugs tier has been added to the plan.
| Rx Retail | HDHP | EPO | PPO Base | PPO Buy-Up |
|---|---|---|---|---|
| Generic | $10.00 | $10.00 | $15.00 | $10.00 |
| Preferred | $40.00 | $40.00 | $40.00 | $30.00 |
| Non-Preferred | $100.00 | $100.00 | $100.00 | $75.00 |
| Specialty | $150.00 | $150.00 | $150.00 | $100.00 |
| Rx Mail Order | HDHP | EPO | PPO Base | PPO Buy-Up |
| Generic | $20.00 | $20.00 | $30.00 | $20.00 |
| Preferred | $80.00 | $80.00 | $80.00 | $60.00 |
| Non-Preferred | $200.00 | $200.00 | $200.00 | $150.00 |
| Specialty | $150.00 | $150.00 | $150.00 | $100.00 |
Introducing Virta Health!
Discover a new approach to weight management and metabolic health support through Virta Health.
Beginning January 1, 2027, GLP-1s for weight loss will no longer be available under our pharmacy benefit.
- To continue receiving your GLP-1s for weight loss, you will need to enroll in the Virta Health program.
- ATI will subsidize a portion of the cost through the Virta/RxSaveCard program.
Learn more about Virta Health in the New Support Services tab under Resources.
ATI’s Contribution to Your HSA
To receive or continue receiving the Aristocrat HSA contribution in 2027, you will need to actively re-enroll in your HSA. Once enrolled, you will receive $1,000 for individual coverage or $2,000 for family coverage in 2027. Reminder: the HSA Employer contributions are funded on a bi-weekly basis.
Spending Account Updates
Contribution limits have increased for 2027.
- Health Savings Account (HSA):
- Self Only Coverage: Increased to $4,500
- Family Coverage: Increased to $9,000
- Healthcare & Limited Purpose Flexible Spending Account (FSA): Projected to increase to $3,500. IRS has not announced yet.
- Dependent Care Flexible Account (DCFA): Stays the same at $7,500.
Life and Disability Carrier Change
The administration of our Life and AD&D insurance and our disability plans will change from Mutual of Omaha to Prudential.
During this enrollment period, you can elect supplemental life insurance coverage of up to five times your annual salary, to a maximum of $500,000, without completing Evidence of Insurability (EOI). This does not apply to spousal supplemental life insurance.
Expanding Lyra Health to include a Neurodiversity Center of Excellence
Beginning November 1, 2026, you and your family can access a new neurodiversity benefit through Lyra. The benefit provides comprehensive care for children with ADHD, autism, and other neurodivergent conditions, including treatment planning and medication management. You can also access coaching, caregiver training, and personalized support to help your family navigate care with confidence. Learn more at aristocrat.lyrahealth.com/center-of-excellence/neurodiversity.
Wellthy Caregiving Benefit Discontinued
The caregiving benefit through Wellthy will no longer be available.
How to Enroll
Review Your Options
Explore this site and learn about the benefits available to you and your family.
Get Personalized Guidance
Complete Your Elections in Workday
Review each benefit option, update dependents if needed, and submit your elections before the Open Enrollment deadline.
Review and Submit
Review your elections carefully and save a copy of your confirmation for your records.
Open Enrollment Checklist
- Review your current coverage.
- Consider your medical, dental, and vision needs.
- Review HSA and FSA contributions.
- Update dependent information, if needed.
- Review beneficiary designations.
- Explore new programs and resources.
- Complete your elections by midnight Pacific Time on Friday, November 13th.