Open Enrollment
Open Enrollment for your 2027 benefits is November 4–18, 2026.
This is your annual opportunity to enroll in or make changes to your benefits with the William and Flora Hewlett Foundation.
Review the benefit changes and monthly employee contributions below. Benefits for the new plan year begin January 1, 2027.
What’s New and Changing in 2027
Blue Shield Medical (12.5% increase)
- HDHP annual deductible will increase to $1,750 per Individual up to $3,500 per Family in-network (per IRS guidelines).
- HDHP telehealth medical and behavioral health will be provided by Virtual Blue Benefits. Virtual Blue virtual visits will be covered 100%.
- HMO telehealth services will continue to be available through Teladoc and covered at 100%.
Kaiser Medical (1.6% increase): No changes.
MetLife Dental (25.0% increase): No changes.
VSP Vision (0.0% increase): Contact lens allowance increased from $150 to $200 when using VSP network providers.
Consolidation of Mental Wellbeing & WorkLife services under Spring Health
- Conveniently access both your Mental Wellbeing and WorkLife resources through the Spring Health platform.
Bright Horizons Enhancements
- Senior care advising
- Neurodivergent advising
Increased IRS Pre-Tax Contribution Limits
- HSA: Individual $4,500 / Family $9,000
- Healthcare FSA: $3,400 (2026 limit)
- Dependent Care FSA: $7,500 (2026 limit)
- Parking & Transit: $340 (2026 limit)
- 403(b): $24,500 or $32,500 if you are 50+ (2026 limit)
2027 Plan Documents and Annual Notices
Plan Costs
The tables below show your monthly employee contributions for 2027. Find your annual salary band, then your coverage tier.
2027 HDHP Deductible Details
Annual HDHP deductible amounts:
In-Network
| Deductible tier | Annual deductible |
|---|---|
| Individual | $1,750 |
| Family Member | $3,500 |
| Family | $3,500 |
Out-of-Network
| Deductible tier | Annual deductible |
|---|---|
| Individual | $1,750 |
| Family Member | $3,500 |
| Family | $3,500 |
2027 Medical Monthly Contributions
Monthly employee contributions for 2027, by annual salary and coverage tier.
Annual salary: Up to $129,999
| Coverage tier | Kaiser HMO | Blue Shield HMO | Blue Shield HDHP |
|---|---|---|---|
| Employee Only | $117.04 | $140.94 | $133.04 |
| Employee + Spouse/DP | $257.46 | $310.06 | $292.66 |
| Employee + Children | $234.02 | $253.74 | $239.52 |
| Employee + Family | $351.06 | $437.04 | $412.34 |
Annual salary: $130,000-$174,999
| Coverage tier | Kaiser HMO | Blue Shield HMO | Blue Shield HDHP |
|---|---|---|---|
| Employee Only | $138.28 | $169.14 | $159.62 |
| Employee + Spouse/DP | $304.32 | $372.08 | $351.14 |
| Employee + Children | $276.66 | $304.48 | $287.32 |
| Employee + Family | $414.98 | $524.34 | $494.82 |
Annual salary: $175,000 – $234,999
| Coverage tier | Kaiser HMO | Blue Shield HMO | Blue Shield HDHP |
|---|---|---|---|
| Employee Only | $159.56 | $197.30 | $186.24 |
| Employee + Spouse/DP | $351.08 | $434.20 | $409.76 |
| Employee + Children | $319.20 | $355.30 | $335.26 |
| Employee + Family | $478.76 | $611.78 | $577.30 |
Annual salary: $235,000 – $324,999
| Coverage tier | Kaiser HMO | Blue Shield HMO | Blue Shield HDHP |
|---|---|---|---|
| Employee Only | $180.84 | $225.48 | $212.82 |
| Employee + Spouse/DP | $397.90 | $496.16 | $468.20 |
| Employee + Children | $361.68 | $405.96 | $383.08 |
| Employee + Family | $542.60 | $699.14 | $659.76 |
Annual salary: $325,000 +
| Coverage tier | Kaiser HMO | Blue Shield HMO | Blue Shield HDHP |
|---|---|---|---|
| Employee Only | $202.12 | $253.68 | $239.44 |
| Employee + Spouse/DP | $444.72 | $558.18 | $526.74 |
| Employee + Children | $404.24 | $456.70 | $430.96 |
| Employee + Family | $606.44 | $786.52 | $742.24 |
2027 Dental Monthly Contributions
Monthly employee contributions for 2027, by annual salary and coverage tier.
Annual salary: Up to $129,999
| Coverage tier | MetLife Dental |
|---|---|
| Employee Only | $9.81 |
| Employee + Spouse/DP | $19.95 |
| Employee + Children | $24.66 |
| Employee + Family | $37.16 |
Annual salary: $130,000-$174,999
| Coverage tier | MetLife Dental |
|---|---|
| Employee Only | $9.81 |
| Employee + Spouse/DP | $19.95 |
| Employee + Children | $24.66 |
| Employee + Family | $37.16 |
Annual salary: $175,000 – $234,999
| Coverage tier | MetLife Dental |
|---|---|
| Employee Only | $9.81 |
| Employee + Spouse/DP | $19.95 |
| Employee + Children | $24.66 |
| Employee + Family | $37.16 |
Annual salary: $235,000 – $324,999
| Coverage tier | MetLife Dental |
|---|---|
| Employee Only | $9.81 |
| Employee + Spouse/DP | $19.95 |
| Employee + Children | $24.66 |
| Employee + Family | $37.16 |
Annual salary: $325,000 +
| Coverage tier | MetLife Dental |
|---|---|
| Employee Only | $9.81 |
| Employee + Spouse/DP | $19.95 |
| Employee + Children | $24.66 |
| Employee + Family | $37.16 |
2027 Vision Rates
Monthly employee contributions for 2027.
| Coverage tier | VSP Vision |
|---|---|
| Employee Only | $1.92 |
| Employee + Spouse/DP | $3.08 |
| Employee + Children | $3.14 |
| Employee + Family | $4.86 |
Contribution Limits
The FSA and commuter limits below are identified by tax year.
Flexible Spending Accounts (2026 Limits)
Health Care FSA
Contribute up to $3,400 per year, pretax, to pay for copays, prescription expenses, lab exams and tests, contact lenses and eyeglasses (2026 limit).
Dependent Care FSA
Contribute up to $7,500 per year ($3,750 if married and filing separate tax returns), pretax, to pay for daycare expenses associated with caring for elder or child dependents that are necessary for you or your spouse to work or attend school full-time (2026 limit).
2027 Health Savings Account (HSA) Limits
You contribute on a pretax basis and can change how much you contribute from each paycheck up to the annual IRS maximum of $4,500 if you enroll only yourself or $9,000 if you enroll in family coverage. You can make an additional $1,000 catch-up contribution if you are age 55 or older.
Commuter Benefits (2026 Limits)
Parking: $340 Monthly Maximum (2026 limit)
Transportation or Public Transit: $340 Monthly Maximum (2026 limit)
Retirement Contributions
Regular contribution limit: Up to $24,500 (2026 limit)
Catch up contribution (age 50+): $8,000 for a total of $32,500 (2026 limit)
“Super Catch Up” provision (age 60–63): An additional $11,250, in addition to the regular contribution limit (2026 limit)
Ready to enroll?
Open Enrollment is November 4–18, 2026. Review the changes above and make your benefit elections by November 18. Benefits for the new plan year begin January 1, 2027.