2027 Franklin PUD Employee Benefits Open Enrollment
open enrollment begins: November 1, 2026
OPEN ENROLLMENT ENDS:
november 25, 2026
Open Enrollment is your chance to change your benefits for 2027. Once it ends, you generally can't make changes unless you have a qualifying life event. Benefit changes and new programs take effect January 1, 2027!
EMPLOYEE PREMIUMS
Medical plan rates will increase 13.1% and dental plan rates will increase 0.8% for 2027. Vision rates remain unchanged.
Your payroll deductions depend on your medical plan and coverage level. CDHP employee medical premiums remain $20 per month, regardless of coverage level, with no employee premiums for dental or vision coverage. PPO employee premiums will increase based on the new rates.
TELEHEALTH PROVIDER CHANGE
98point6 is transitioning to Transcarent, giving you a new way to access convenient, on-demand virtual medical care. Your existing clinical history and visit information will transfer with you. Learn more about Transcarent here.
TIP: Download the Transcarent app NOW from your App store and get connected before you need care!
health advocacy change
Health Advocate services end December 31, 2026, but open cases will continue until resolved. Need assistance? AllOne Health, your Employee Assistance provider, offers unlimited help with insurance questions, doctor referrals, medical equipment, and care transitions. Learn more here.
TIP: Download the AllOne Health App for convenient access to health advocacy services, mental health support, virtual counseling, and self-help resources. Sign up using your member access code RSLI859.
Submit Your Benefit Elections by November 25, 2026!
DO NOTHING IF…
You want to keep ALL your benefits the same for 2027 AND don't want to enroll in a healthcare or dependent care Flexible Spending Account (FSA).
contact hr IF…
You want to change any of your current benefits, add/remove dependents, purchase additional voluntary Life or AD&D insurance, enroll in flexible spending for 2027, or have questions.
You can make changes November 1-25, 2026. Don't miss the deadline! Your next opportunity to make changes will generally be Open Enrollment in 2027 for coverage effective in 2028, unless you experience a qualifying life event.
medical, dental & vision
Your Power Moves: Choose PPO or CDHP medical coverage. Add or drop dental and/or vision coverage for yourself, or add or remove eligible dependents from medical, dental, and/or vision coverage.
TIP: Look beyond premiums! Compare deductibles, out-of-pocket costs, and your family’s health care needs. Download the health care cost calculator to compare plans.
long-term disability
Your Power Moves: Choose LTD Core or LTD Buy-Up.
TIP: Download the long-term disability calculator to estimate your premiums and potential benefits.
Supplemental Life and AD&D
Your Power Moves: Add, increase, reduce, or drop supplemental life and AD&D coverage for yourself and eligible family members.
TIP: Open Enrollment offers a special opportunity to purchase supplemental life insurance without evidence of insurability, up to certain limits:
Employee: Increase coverage by up to $50,000, not to exceed $200,000.
Spouse: Increase coverage by up to $10,000, not to exceed $25,000.
Children: Up to $10,000.
Higher amounts require evidence of insurability (see Supplemental Life Details). Evidence of insurability is not required for AD&D coverage (see AD&D Details).
Flexible Spending (FSA)
Your Power Moves: Enroll in a health care FSA, dependent care FSA, or both.
TIP: Save on taxes by setting aside pre-tax dollars for eligible expenses. Plan carefully—unused funds may be forfeited!
Health Care FSA: Incur eligible expenses by March 15, 2028.
Dependent Care FSA: Incur eligible expenses by December 31, 2027.
Remember: You must make a new FSA election each year. Learn more here.
Benefits Worth Remembering!
Premera Health Hub: Explore online wellness programs and expert support for weight management, diabetes, mental health, physical therapy, women's health, and more.
Premera Blue365 Discounts: Save on fitness, apparel, hearing and vision products, personal care, travel, and more through this free member discount program.
TIP: Don't leave these benefits unplugged! Explore the Premera Health Hub and Blue365 to make the most of your coverage.
Please verify that your enrolled dependents continue to meet the eligibility guidelines. The plan reserves the right to audit dependent enrollment at any time to verify that enrolled dependents are eligible for coverage.
If you do not make changes now, your next chance to do so will be during our next open enrollment in 2027 for coverage effective in 2028, unless you experience a qualifying life event, in which case you must notify Human Resources of the change within 30 days.
Your portion of the medical, dental, and vision premiums will be deducted from your paycheck on a pre-tax basis unless you tell us differently.
Make sure to read the 2027 annual notices.