2027 Benefits Highlight

In a nutshell

• Employee premiums are NOT increasing.

• Changes are being made to our Core and Plus Medical Plan Design.

• Starting 1/1/2027, all employees and members enrolled in a Collective Health Medical plan will have access to NOOM. More information about NOOM is below!

• This is a Passive Enrollment, meaning all benefit elections (except for Healthcare and Dependent Care *FSA contributions) can carry over from 2026 to 2027.

• *All FSA elections must be resubmitted if you would like to continue contributing to a FSA account in 2027!

This is your opportunity to make benefit elections and changes for the 2027 plan year, beginning on January 1, 2027. Your next opportunity to make changes will be at the end of 2027 for the 2028 plan year.

See additional details below.

Important note:

This is a passive enrollment - meaning if you do not wish to make any changes to your current core coverage elections [Medical, Dental, Vision] your 2026 elections will be carried over to the 2027 plan year.* Your next opportunity to make plan changes will be the end of 2027 for the 2028 plan year.

*Healthcare FSA and Dependent Care FSA Contributions need to be re-elected during Open Enrollment. Current 2026 contribution amounts will not be automatically carried over to the 2027 plan year.

Action Items for You

To keep your current 2026 elections (excluding Healthcare FSA/Dependent Care FSA contributions) for the 2027 plan year, no action is required.

To make changes to your benefits elections for the 2027 plan year, follow the steps below:

☑ Review the plan changes and details.

☑ Log in to Oracle (via Okta) between October 26th - November 6th to make and finalize elections.

• Log in to Oracle (via Okta) between October 26th - November 6th to make and finalize elections

• Confirm, or add/waive coverage for either yourself or your dependent(s)

• [Optional] Enroll (or re-enroll) in an FSA (healthcare and/or dependent care)

  • Reminder: submit claims for current FSA plans by logging into Forma.

    • Eligible 2027 Healthcare FSA claims are costs incurred by December 31, 2027.

    • Eligible 2027 Dependent Care FSA claims are costs incurred by March 15, 2028, and must be submitted by March 30, 2028.

• [Optional] Update/Add your life insurance beneficiary

☑ Attend info sessions - invites are on your calendar

• You have been invited to a variety of info sessions on our benefit throughout the open enrollment period.

• Full calendar of events available here.

☑ Additional Reminders:

• [Optional] Submit claims for 2026 FSA (healthcare and/or dependent care)

FAQs

General OE Questions

I don’t want to make changes to my current benefits, do I have to participate in Open Enrollment and make elections?

• No. This year is a passive enrollment, meaning if you are not wanting to change your current elections for the 2027 plan year, your current 2026 elections (excluding FSA/DCFSA) will be carried over to next year.

  • If you would like to make FSA/DCFSA contributions for 2027, they will need to be re-elected in Oracle (access via Okta).

• As a reminder, Open Enrollment will run from October 26 through November 6th. Please make your benefits elections in Oracle (access via Okta).

What are qualifying events? If I experience one, what’s the process to add my dependent(s)?

• A ‘qualifying life event’ (QLE) is defined by the IRS, and allows you to make changes to your benefits (i.e. add or drop dependents) outside of the open enrollment period. Common examples include marriage, divorce, the birth or adoption of a child, and loss of coverage for yourself or your spouse/domestic partner or dependents. Reach out to the Collective Health Benefit team by submitting an Employee Benefits Ping ticket for more information.

• You have 30 days from the qualifying event date to make changes. You can do so by reaching out to the Collective Health Benefit team by submitting an Employee Benefits Ping ticket with information and documentation about your QLE. Your Oracle account will then be unlocked for you to submit changes.

Are domestic partners eligible for benefits coverage? How do we define a domestic partnership?

• Yes. For the purposes of benefits enrollment, we define a Domestic Partner as someone with whom you share an interconnected domestic life (think, shared financial and domestic responsibilities). We do not require any legal certification of domestic partnership. Note that premium deductions for Domestic Partners are post-tax.

If I do not want to make changes and plan to elect the same plans for 2027, will I receive new insurance cards for 2027?

• Medical: Yes! With the changes to the plan deductibles and out-of-pocket maximum amounts, all enrolled members will receive new ID cards for the 2027 plan year.

• Dental/Vision: No. If you do not make a change to your Dental/Vision election for 2027, you will not receive new ID cards!

• FSA  - Forma: If you currently have a Healthcare FSA/Dependent Care FSA, you will not receive a new card. If you did not have an FSA/DCFSA election in 2026, but will in 2027, you will receive a Forma FSA card in the mail in January.

• HRA - Forma: No, HRA cards will not be sent out from Forma. To submit a reimbursement claim under the HRA please use the Forma website or app.

I can’t access my Oracle account. What should I do?

• If you are not able to login to Oracle (access via Okta), please reach out to the Benefits team by submitting an Employee Benefits Ping ticket.

NOOM Questions

How much will accessing NOOM cost me?

• Access to NOOM is free to all 18+ members enrolled in a Collective Health medical plan! Your NOOM membership is sponsored by Collective Health, so it’s free to you. NOOM Med is an optional clinical program that Collective Health has chosen for medically supervised weight management and behavior change guidance, plus access to weight loss medications (including GLP-1s), for those who clinically qualify. With NOOM Med, you can incur lab work and medication costs that will depend on your specific clinical case.

Can my dependents also access NOOM?

• Yes! Any 18+ dependent enrolled in a Collective Health medical plan is eligible to participate in the NOOM programs.

I am already taking a weight-loss GLP-1. What will happen now that we have NOOM?

• If you are currently taking a weight-loss GLP-1, you will need to transition your drug therapy to the NOOM program. After you enroll in NOOM, you will be able to indicate that you are currently taking a weight loss GLP-1. You will be required to provide your current prescription and evidence that you are actively following the prescribed therapy (showing that the most recent usage occurred within the last 6 weeks.)

Can I still get my weight-loss GLP-1 through RxBenefits/OptumRx?

• No. If you would like to continue receiving a weight-loss GLP-1 through your Collective Health benefits plans, you will be required to go through the NOOM Med program.

What if I am taking a GLP-1 for Diabetes?

• GLP-1s through NOOM will only be for weight loss! Any GLP-1 therapy specifically for Diabetes will continue as it does currently - through our Pharmacy benefit plan with RxBenefits/OptumRx.

Where can I review more FAQs about NOOM?

• More FAQs about NOOM can be found here.

CH on CH Questions

I have feedback about the platform - how do I reach out?

• Any feedback about the Collective Health platform can be submitted directly to the Benefits team via Employee Benefits Ping ticket (be sure to select “CH on CH” as the ticket inquiry type). The team will then pass your feedback along to the appropriate team(s). It is important that this process be followed in order to ensure your feedback is directed to the appropriate team. Please do not reach out directly to your colleagues via slack or email.

Will Care Navigation be available on 01/01/2027?

• No, Care Navigation will not be available on 01/01/2027; however, we are looking into adding it in the future. However, we do have Care Suggestions on the platform.

Healthcare Questions

I am an Utah employee - what is the difference between the Blue Shield Preferred Blue Option Network, and the Blue Shield BlueCard Network?

• The Blue Shield Preferred Blue Option Network offers most of the Intermountain Health network as INN (UofU Health is OON).

• The Blue Shield BlueCard Network offers the University of Utah Health network as INN (Intermountain Health is OON).

I’ve noticed we have different premiums for hourly vs salaried employees. Why is that?

• Our benefits cost sharing strategy aligns with the company’s business strategy to provide no barriers to access healthcare. In order to allocate costs to help achieve that goal, we have different premiums for employees in hourly roles vs those in salaried roles. Collective Health continues to bear the majority of the cost, making healthcare affordable and accessible to all employees.

How can I access virtual care on our Blue Shield plans?    

• Blue Shield offers a telemedicine option called Teladoc. Teladoc provides you 24/7 access to virtual doctor visits via their app with a $0 visit copay. To access Teladoc, login to your MyCollective account, navigate to Get Care -> Additional Benefits -> Teladoc.

HRA and FSA Questions

What is an HRA and how is it different from an FSA?

• Health Reimbursement Arrangement (HRA) is a tax-advantaged account funded by Collective Health to help cover your health care costs. The money contributed to an HRA is not taxed. You can access these funds to pay for any qualified medical expense for you or your dependents.

• Only your employer can contribute to HRA; whereas a Flexible Spending Account (FSA) is funded by employee contributions.

What are the FSA maximum elections, and if I enroll in an FSA product, will the $ amount expire at the end of December 2027?

• The IRS announces the annual maximum contribution amounts each year and have not yet announced the 2027 limits. The 2026 maximum amounts are:

  • Dependent Care FSA - $7,500

  • Healthcare FSA - $3,400

• If you enroll in a 2027 Healthcare FSA, you’ll want to elect the amount you anticipate needing for the next year, as the funds will expire after December 31, 2027 (with up to $680 {pending IRS confirmation} of unused funds eligible to carryover to your 2028 Healthcare FSA ). Otherwise, you might need to spend some time on FSAstore.com!

• If you enroll in a 2027 Dependent Care FSA, the balance will expire after March 15th, 2028, with no carryover allowed. You have until March 31st, 2028 to submit eligible claims incurred in the 2027 plan year.

• FSA plans must be elected each year, your elections will not carry over.

How do I enroll in Commuter Benefits?

• Everyone will be provided access to the Forma portal. If you’d like to enroll in a commuter plan(s), please enroll and elect your monthly contribution amount directly in Forma’s portal. You can change your election amount on a monthly basis. The deadline to submit your monthly election is the 15th of the prior month. For January 2027, please submit your commuter plan(s) contribution amount by December 15th, 2026.

Headspace

Will we continue to offer Headspace in 2027?

• Yes! Headspace continues to be our behavioral health partner for employees and your dependents. We encourage you to download the app and explore the benefits available to you today!

What is Headspace and how do I access it?

• Headspace is a mindfulness and meditation app in support of your mental and physical well being. Through science-backed meditation and mindfulness tools, Headspace helps you create life-changing habits to support your mental health and find a healthier, happier you.

• Headspace also provides access a variety of behavioral health clinical support. From text-based behavioral health coaching, to video-based therapy and psychiatry sessions, there is someone to support you at all times!

• You can access Headspace by signing up at our group-specific registration page, https://work.headspace.com/collectivehealth/member-enroll. Be sure to use your personal email address listed on your Oracle account to verify your account!

Will there be changes to the Headspace offering for 2027?

• No. Mental health continues to be a top priority at Collective Health. As such, we are continuing to offer Headspace free of charge!

What is Headspace for Teens?

• Headspace for Teens is offered to your dependents aged 13-17 and provides access to text-based coaching, therapy/psychiatry, and self-care resources. Teenage dependents must be referred to the program by their legal guardian (a Collective Health employee) and will also have access to up to 8 free therapy and/or psychiatry sessions per year. If more than 8 sessions are needed in a given year, members (and Teens) can continue to see their Headspace provider and video-based therapy/psychiatry sessions will run through your Blue Shield medical plan (or whichever medical plan on file if not enrolled in a CH Medical plan).

How does my adolescent access Headspace for Teens?

• Headspace for Teens will be available to adolescents by invitation from a parent who is signed up for Headspace. Teens and their parents can expect:

  • Full continuum of care: Teens will have access to all of Headspace’s care services, which include behavioral health coaching to therapy and psychiatry. Coaching for teens will be offered during designated hours (7am-10pm PT), a clinical approach substantiated by academic literature and best practice.

  • Provider-matching: Teens will be matched with coaches and clinicians who have relevant and applicable experience working with adolescents.

  • Guided self-care: Teens will have access to Headspace’s self-care content, including new topic areas that are specific to the adolescent population such as mood management, identity and belonging, conflict resolution, sexuality and sexual identity, and more.

  • Parental support: Parents, who already have access to the full spectrum of care for their own mental health, will also receive assistance from their own care team in order to provide the best support to their child and will have an understanding of the cadence of care and the child’s care team.

Voluntary Benefits

Are there any changes to voluntary benefits being offered for the 2027 plan year?

• No changes for the 2027 plan year. We will continue to offer the same voluntary benefits as the previous year. More information on the voluntary benefits can be found here.