What's Changing for 2027
Quick downloads: Definitions and Quick Facts | New 2027: 2027 Benefits Guide (PDF) | 2027 Benefits Summary (PDF)
If you're happy with your current medical, dental, vision, life, and disability coverage, you don't have to do anything. Your current benefit choices carry forward automatically for 2027. The one exception: You must take action to enroll or re-enroll in Flexible Spending Accounts. They do not carry over.
No Premium Increases: Medical, dental, short-term disability, and life insurance premiums remain the same for 2027.
High Deductible Health Plan with Health Savings Account (HSA)
- Coinsurance increases from 10% to 15%
- Health Savings Account contribution limit:
- $4,500 (self-only) / $9,000 (family)
- No change to employer contribution
- Employees 55+ can contribute an additional $1000 to their HSA.
- High-Deductible Health Plan deductible:
- In-network: $1,785 for employees and $3,570 for family plans
- Out-of-network: $5,250 for employees and $10,500 for family plans.
- High-Deductible Health Plan out-of-pocket maximum:
- In-network: $3,675 for employees and $7,350 for family plans
- Out-of-network: $9,135 for employees and $18,270 for family plans
Health Savings Account funds are always yours and never expire, so there's no rollover limit to plan around.
Flexible Spending Accounts
Review your Flexible Spending Accounts
Healthcare FSA contribution limits increase to $3,400 for 2027.
The Healthcare FSA carryover amount increases to $680 for 2027. Unused funds from 2026 up to $660 carryover into 2027; anything beyond it is forfeited. Confirm your election still matches what you expect to spend
The Dependent Care FSA contribution limit stays at $7,500 for 2027.
For your consideration
Beginning with plan year 2027, U of A's Childcare Choice and Backup Care programs will run on a calendar year. If you're enrolling in a Dependent Care FSA and you will participate in these programs, the reimbursements and subsidies count toward your annual contribution limit.
Preferred Provider Organization (PPO) Plan
- All in-network copays will increase by $5, except pharmacy
- Premiums and deductibles remain the same
- $0 copay for preventive care
ID Cards
- BCBS of AZ and UHC Medical members will receive new ID cards in January.
- For UHC Solstice Dental, Delta Dental, and Avesis Vision, new cards will only be sent if you made changes to your elections.
- If you enrolled in a digital-only ID card, your card will be updated automatically as needed by Jan. 1.
- View ID cards online through your carrier’s website or app.
See your premium amounts before you decide
Thinking about making a change? As you review your options in UAccess, it shows you exactly what each choice costs per paycheck, not just as an annual number, before you submit anything. So if you're weighing a new plan or a different contribution amount, you can see what it actually means for your monthly take-home pay first, then decide.