2027 Open Enrollment

For most benefits, no action is required. However, you must take action during open enrollment if you want to:

• Add coverage or make changes to your current coverage: Follow the instructions under Enrolling in Coverage, below.
• Contribute to a Health Care FSA or Dependent Care FSA: Your current FSA elections will not automatically roll over to 2027.
• Add or remove dependents without a qualifying event (such as marriage, birth or divorce): Make those changes during open enrollment with copies of required dependent documentation.
• Participate in UMR’s Live Well Reward$ wellness program: Log in to umr.com and opt in by November 3, 2026. Annual enrollment is required, so your current participation will not automatically continue in 2027. The Live Well Reward$ wellness program provides lower out-of-pocket limits for employees enrolled in UMR’s Classic or Premier Plan, and offers online cash incentives if you complete certain wellness activities. You must have an active UMR account to enroll in the wellness program—if you are adding medical coverage for the first time in 2027, you will need to wait until 2028 open enrollment to enroll in the program.
• Redeem Live Well Reward$ points: Reward points do not roll over each year. Make sure to cash out any points you earned by November 30, 2026. Any wellness points you redeem for gift cards or merchandise are considered taxable income. UMR will report the value of your redeemed rewards, and that amount will be included on your W-2. Consult your tax advisor if you have questions about how this may affect you.

Premiums

Good news! There will be no premium increases for your medical, dental or vision coverage in January 2027. Premiums for critical illness insurance, hospital indemnity insurance and accident insurance will decrease.

Flexible Spending Account

Enrollment is required to participate in the Healthcare or Dependent Care Flexible Spending Accounts; your 2026 enrollment will not roll forward to 2027.

2027 contribution limits:*

• Healthcare Flexible Spending Account: $3,400
• Dependent Care Flexible Spending Account: $7,500

Supplemental Insurance Plans

Effective January 1, 2027, Securian Financial will become the administrator for the accident, critical illness and hospital indemnity insurance plans, replacing UnitedHealthcare. 

Important: If you are already enrolled in a UnitedHealthcare supplemental insurance plan (accident, critical illness and/or hospital indemnity insurance), your election will carry over to 2027 with Securian Financial. No action is required if you want to keep the same plan. You can make changes to your elections for 2027 during open enrollment. 

These optional benefits will continue to pay benefits for eligible covered conditions, injuries and hospital stays, with several plan enhancements for 2027. Enhancements include:

• Lower premiums
• Faster claims processing, including online claims submission and proactive claim notifications
• New family support resources for fertility, family building, grief and caregiving
• Critical illness: New conditions, including autism spectrum disorder and metastatic cancer
• Hospital indemnity: 
  • Coverage for mental health and substance use disorder treatment
  • Removal of the hospital indemnity pregnancy exclusion

Review the 2027 supplemental insurance plan documents to determine if these benefits are right for you. As a reminder, open enrollment is generally the only time you can enroll in these plans outside of your new-hire eligibility period, unless you have a qualifying life event.
 

Complete open enrollment in Workday. Watch for Workday announcements and campus communications with important enrollment details, training resources and deadlines. For support, search “Open Enrollment” in the Workday Learning Center to find quick reference guides, demonstration videos and other helpful resources.

To make enrollment easier, the Workday open enrollment event includes only benefits that must be elected or changed during open enrollment or after a qualifying life event, such as medical, dental, flexible spending accounts and certain other benefit programs. 

You can enroll in or update optional life insurance, optional disability insurance, retirement contributions and other optional benefits separately in Workday. To enroll in voluntary benefits, use the Workday search bar to find the Change Benefits task. From the drop-down menu, choose the appropriate Change Reason for the benefit you want to update. After you submit the change, you’ll receive an inbox item to make your enrollment selections.

For help enrolling or updating your coverage, review your 2027 Open Enrollment Decision Guide or contact your campus Human Resources office.