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2027 Open Enrollment

What’s new in 2027

Open Enrollment is November 2–11, 2026

The one-minute preview

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What’s changing?

We’re keeping things fairly simple for 2027 and not changing a lot. You’ll see a few updates to your medical coverage, a higher HSA contribution limit, and a few updates to your wellbeing, supplemental coverage and life insurance benefits.

What happens if you don’t enroll?

If you don’t enroll, your current elections will carry forward, except for Health Savings Account (HSA) and Flexible Spending Account (FSA) contributions, which require an update each year.

What should I do if I have questions or need help?

If you have questions, need help enrolling, or aren’t quite sure where to start, call the PlanSource Benefits Resource Center at 1-844-347-2498.

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Updates to benefits for 2027

From groceries to gas to health care, just about everything costs more these days. Health care costs are rising especially fast, but IMI’s 2027 medical increases are below the national average. You’ll see a small increase in what you pay each paycheck for medical coverage, with no rate increase for dental, vision or supplemental coverages. We know any increase matters, and we’ll continue working to keep your benefits as affordable as possible.

If you enroll in the HSA High or Low plans in 2027, you can save up to $4,000 if you only cover yourself or $8,000 if you cover anyone else in your HSA, in addition to IMI’s contribution.

We’re moving away from a formal wellbeing program and taking a broader approach to supporting your physical, mental and financial health through the benefits and resources already available to you. By highlighting the full range of benefits and resources available, we’re supporting an inclusive culture where everyone can find something that fits their needs, goals and priorities.

If you earned your required points for 2026, you'll receive the wellness discount for all of 2027. No further activities are needed, and the discount ends after 2027.

Critical illness, hospital indemnity, and accident coverage will move from Transamerica to Guardian. Learn more about supplemental insurance.

The plan will now include benefits that help pay for long-term care expenses, such as in-home care, assisted living, or nursing care, providing added financial support if you need care later in life.

This is your annual opportunity to update your benefits for the year ahead. If you don’t take action now, your current elections will carry over into 2027, except any contribution amounts you’ve set for Flexible Spending Accounts (FSAs) or Health Savings Accounts (HSAs). Those need to be updated each year.

The only other chance to update your benefits during the year is if you experience a qualifying life event, like getting married or divorced, welcoming a child, or losing coverage elsewhere.

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Ready to enroll?

Head over to PlanSource or call 1-844-347-2498 to get started. Make your 2027 elections any time between November 2 and November 11, 2026.

PlanSource

Health Savings Account (HSA) and Flexible Spending Accounts (FSA) administration; also the general benefits enrollment and mid-year life-event-change portal.