2027 Open Enrollment

Medical plan costs are changing for 2027. As you consider your options, review how each plan supports your health care needs, budget and preferred way of receiving care.

Updates include:

• New deductibles and out-of-pocket maximums for the Traditional, Health Savings and Select plans
• New coinsurance and specialist copay amounts for the Select Plan

Scroll down to compare plan features and understand how these updates may affect what you pay for care. View the 2027 health plan rate sheets in Workday.

When choosing a plan, consider the full picture — including your rates, deductible, copays, coinsurance and out-of-pocket maximum.

Your prescription coverage is changing, too. Take a moment to review the medications you take and understand how the updated pharmacy benefit may affect your costs in 2027.

• Prescription copays and coinsurance are changing.
• Your medication’s formulary tier can affect what you pay.
• Review the formulary to see how your medications are covered and estimate your costs.

Taking a few minutes to review your medications now can help you feel more confident about your care and prepared for prescription costs in the year ahead.

In 2027, you’ll have more opportunities to use your Health Savings Account (HSA) to support your health today and save for future health care expenses.

Start Investing Sooner

The minimum balance required to begin investing your HSA funds is decreasing from $1,000 to $500, giving you the opportunity to start investing sooner.

Save More with Higher Contribution Limits

The annual HSA contribution limits are increasing to:

• $4,500 for single coverage
• $9,000 for family coverage

These limits include the combined total of your contributions and any contributions you receive from AdventHealth.

More Team Members May Qualify for an AdventHealth Contribution

The hourly pay threshold is increasing from less than $21 per hour to less than $23 per hour, allowing more eligible team members to receive an AdventHealth HSA contribution:

• $1,000 for single coverage
• $2,000 for family coverage

AdventHealth contributions will be made quarterly. If you qualify for an AdventHealth contribution, consider this amount when deciding how much to contribute so you don’t exceed the annual IRS limit.

Save more while continuing to receive the dental coverage you rely on. You’ll pay less for both the Comprehensive and Preventive Plans while keeping the valuable coverage you have today.

• Lower payroll contributions for the Comprehensive Plan
• Lower payroll contributions for the Preventive Plan

The DeltaCare USA DMO design and payroll contributions remain unchanged for 2027.

Enjoy more value from your vision coverage, with lower costs and enhanced support for your eye care needs:

• Lower payroll contributions
• $0 copay for exams and lenses
• Additional $50 allowance for VSP® featured frame brands.

If an illness or injury prevents you from working, voluntary Short-Term Disability Insurance can provide financial support while you focus on your health and recovery.

• Beginning January 1, 2027, the plan’s pre-existing condition provision will be removed. This means an illness or injury you had or received treatment for before your coverage began will no longer be excluded under this provision for claims beginning on or after January 1, 2027. All other plan requirements will continue to apply.
• The cost of coverage will also change, with premiums increasing by 2%.

Together, these updates provide broader protection and added peace of mind when you need support most.

Get more value from your supplemental benefits in 2027. Accident Insurance rates are decreasing, while both Accident and Critical Illness plans are adding more financial support when you need it most.

• 5% lower rates for Accident Insurance
• Enhanced Accident Insurance benefits across 12 covered services, including emergency care, urgent care, imaging, rehabilitation and brain injury treatment
• Enhanced Critical Illness benefits for five covered conditions:
  • Addison’s disease: 25% to 50%
  • Lupus: 25% to 50%
  • Myasthenia gravis: 25% to 50%
  • Multiple sclerosis: 50% to 100%
  • Sudden cardiac arrest: 50% to 100%

Pet Benefits and Identity Theft Protection are moving to Benefit Extras powered by Corestream. Here’s what to know:

• You will not see these benefits in Workday during Open Enrollment.
• Enrollment through Benefit Extras powered by Corestream begins January 1, 2027.
• Premiums will be billed directly, rather than through payroll deductions.
• A new Pet Insurance plan is being added, in addition to the existing Pet Wellness plan.
• Benefit Extras powered by Corestream will also become AdventHealth’s new team member discount platform.

More details about the plans and how to enroll will be available in January.

You may still need to take action. Even if you’re keeping your current benefits, review your options and complete any required steps during Open Enrollment.

If you’re enrolled in an AdventHealth medical plan, you must complete the annual tobacco-use attestation for yourself and any covered spouse. If you don’t complete the attestation, the applicable tobacco-use surcharge will apply.

You must also make a new election each year if you want to contribute to a Health Savings Account (HSA) or Flexible Spending Account (FSA). These elections do not carry forward automatically.

Visit Workday to review your personalized benefits and costs and choose the coverage that best supports you and your family.

ALEX, AdventHealth’s interactive benefits advisor, can help you compare your options and consider which coverage may best support your needs and budget. ALEX also offers Medicare education and guidance for those who may be eligible.

Use ALEX to explore your options, but remember that it does not enroll you in benefits. When you’re ready to make your elections, log in to Workday to complete and submit your enrollment.

Both plans include medical and prescription drug coverage, but they differ in how and when you pay for care.

With the Traditional Plan, you’ll generally pay a copay for many services. The Health Savings Plan has a higher deductible, so you’ll typically pay the full cost of eligible medical care and prescriptions until you meet that deductible. Certain preventive services and medications may be covered differently.

The Health Savings Plan also lets you contribute to a Health Savings Account (HSA). An HSA offers tax advantages and can help you save for eligible health care expenses. The money rolls over from year to year and stays with you, even if you change jobs or health plans.

When choosing a plan, consider more than the cost from each paycheck. Compare the deductible, copays or coinsurance, out-of-pocket maximum and how often you expect to use health care. The right choice depends on your needs, budget and preferences.

The Select Plan may be a good fit if you want coordinated care, lower out-of-pocket costs for many services and are comfortable receiving care from participating AdventHealth and Aetna Select providers.

Unlike the Traditional and Health Savings Plans, the Select Plan does not include Tier 2 coverage. You and your covered dependents must use participating in-network providers and facilities for covered care, except in an emergency.

The plan also includes a dedicated Care Concierge who can help you:

• Find in-network providers
• Schedule primary care and specialist appointments
• Coordinate care and health screenings
• Connect with Virtual Primary Care
• Get support from health and benefits experts

Before enrolling, confirm that the providers and facilities you prefer are included in the Select Plan network.

The Select Plan is available to team members whose home address is in an eligible service area.

Florida: Flagler, Hardee, Highlands, Hillsborough, Lake, Marion, Orange, Osceola, Pasco, Pinellas, Polk, Seminole and Volusia counties.

Colorado: Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas, Elbert and Jefferson counties.

A complete list of eligible ZIP codes is available in Workday.

Important: If you cover dependents who live outside the Select Plan service area — such as a child attending college in another state — the Select Plan may not be the best fit. Tier 2 and out-of-network services are not covered under the plan.

Yes. The Select Plan includes participation requirements that help you stay connected with your care team and support your preventive health.

By June 30, you — and your covered spouse, if applicable — must each:

• Choose a Primary Care Physician (PCP)
• Register for an AdventHealth account
• Visit your PCP for any reason

If you or your covered spouse do not complete all three requirements by the deadline, a monthly surcharge will be added to your Select Plan premium:

• $200 per month if the team member does not complete the requirements
• $200 per month if the covered spouse does not complete the requirements
• $400 per month if neither completes the requirements

Covered children are not subject to the surcharge.

Your Care Concierge and care management team, when applicable, are available to help you complete these requirements and access the care you need.

No. When you enroll in the Traditional Plan or Health Savings Plan, you choose the medical plan — not a network tier. The tier is determined by the provider you see and the facility where you receive care, and it affects how much you pay.

• Tier 1 — AdventHealth & Friends: Shown as “Maximum Savings” when you search for providers and facilities. This tier includes AdventHealth and other participating Tier 1 providers and facilities.
• Tier 2 — Aetna Network: Shown as “Standard Savings” when you search for providers and facilities. This tier includes participating providers and facilities in the Aetna network.

Before receiving care, confirm the tier for both the provider and the facility so you have a clearer understanding of your expected costs.

The Select Plan only includes participating AdventHealth and Aetna Select providers and does not offer Tier 2 coverage.

Both accounts let you set aside money before taxes to help pay for eligible expenses, but they have different eligibility and rollover rules.

Health Savings Account (HSA)
An HSA is available to eligible team members enrolled in the Health Savings Plan. The money belongs to you and rolls over from year to year, so you can use it for eligible health care expenses now or save it for the future.

Flexible Spending Account (FSA)
An FSA lets you set aside money before taxes for eligible expenses during the plan year. AdventHealth offers two types:

• A Medical FSA for eligible health care expenses
• A Child/Eldercare FSA for eligible dependent care expenses

FSAs are generally subject to “use it or lose it” rules, although a limited amount of unused Medical FSA funds may carry over to the next plan year.

Good to know: If you enroll in the Health Savings Plan and are eligible for an HSA, you cannot also enroll in the Medical FSA. You may still be eligible to enroll in the Child/Eldercare FSA. You must make a new HSA or FSA election each year because your election does not automatically carry forward.

No. These benefits will continue to be available, but enrollment and billing are changing for 2027.

Your current Pet Benefits and Identity Theft Protection coverage will remain active through December 31, 2026. Beginning January 1, 2027, Pet Benefits and Identity Theft Protection will be offered through Benefits Extras powered by Corestream.

They will not appear as enrollment options in Workday during Open Enrollment, so you do not need to take action in Workday at this time. However, existing participants must enroll again through Corestream if they want coverage in 2027.

Watch for a separate communication in January with information about available options, costs and how to enroll. If you enroll, Corestream will bill you directly instead of deducting the cost from your AdventHealth paycheck.