2027 Benefits Open Enrollment

What To Expect in 2027:

• Your 2026 benefit elections will automatically roll over into 2027 except for the Flexible Spending Account (FSA) and Health Savings Account (HSA). To continue participating, you must make a new election during Open Enrollment.
• Employee and employer medical contributions will increase by 5.5% for 2027. Ocean Spray continues to fund the majority of the cost of coverage.
• Spousal Surcharge and Tobacco Surcharge requirements remain in effect for 2027.
• No plan design changes to medical, prescription drug, dental, or vision coverage for 2027.
• No premium increases for dental and vision coverage in 2027.
• NEW Accident Insurance through The Hartford provides additional financial protection for covered accidental injuries.
• No changes to Life Insurance, AD&D, Disability, Hospital Care, Critical Illness, or the ahealthyme® Wellness Program.
• Review your coverage and beneficiary elections to ensure your benefits continue to meet the needs of you and your family.

Medical Coverage

• • No Plan Design Changes
  • No Coverage Tier Changes
  • Employee/Employer Contribution Adjustment (5.5% Increase)
  • Spousal Surcharge ($150/month) and Tobacco Surcharge ($50/month) Remains in Effect   

Medical Premium Update

• To help manage health care costs and encourage healthy choices, Ocean Spray applies the following monthly surcharges:
  • Spousal Surcharge – $150/month
    • Applies if your spouse or domestic partner has access to medical coverage through their own employer but elects coverage through Ocean Spray instead.
    • Employees covering a spouse or domestic partner must complete the required Spousal Surcharge Attestation during Open Enrollment.
  • Tobacco Use Surcharge – $50/month
    • Applies to team members who attest to using tobacco products.
    • All employees must complete the required Tobacco Use Attestation during Open Enrollment

2027 Contribution Limits

• IRS limits for HSA, FSA, and 401(k) are projected to increase as follows:
  • $3,500 for the Healthcare FSA ($700 rollover)
  • $4,500 for an Individual HSA and $9,000 for a Family HSA
    • HSA Catch-up (55+) remains at $1,000
  • $25,500 for participant 401(k) contributions
  • $8,000 401(k) Catch-up contributions for age 50+ (additional exclusions will apply, introduced by Secure 2.0 Act)

Dental and Vision

• No increases for 2027
• No plan design changes

Life/AD&D, Disability, Hospital Care, Critical Illness & Accident Insurance

• No increases for 2027
• NEW Accident Insurance 

Ahealthyme Wellness Program

• Same program benefits

Other Key Resources to Support You:

• Ahealthyme® Wellness Program: Earn up to $400 per person (or $800 with spouse/domestic partner participation) by completing eligible wellness activities, including health assessments, preventive care, and healthy lifestyle programs.
• ComPsych Employee Assistance Program (EAP): Free and confidential support for you and your household members, including counseling, work-life resources, legal and financial consultations, caregiving support, and assistance with everyday life challenges.
• Team Member Relief Fund: Provides financial assistance to eligible team members experiencing unexpected hardship due to qualifying life events, such as natural disasters, medical emergencies, or the loss of an immediate family member.
• Maven: Comprehensive support across family-building and reproductive health journeys, including fertility, pregnancy, postpartum care, parenting, menopause, and expert coaching
  
• Bright Horizons Backup Care and Care Advising: Access backup care solutions for children, adults, and elders when your regular care arrangements aren’t available. Care Advising services can help you find and navigate child care, elder care, special needs support, and other family care resources.