Open Enrollment
Open Enrollment for 2027 benefits is November 10 through November 20, 2026.
This is your annual opportunity to enroll in or make changes to these benefits:
- Medical, dental, and vision insurance
- Flexible spending accounts (FSAs)
- Supplemental life insurance
- Supplemental accidental death and dismemberment (AD&D) insurance
- Accident, critical illness, and hospital indemnity insurance
If you don’t do anything during Open Enrollment, your current benefits will continue in 2027 except FSAs – if you want an FSA in 2027, you must actively enroll in one during Open Enrollment.
Need Help?
Email northamericahr@clydeco.com if you have questions about your benefits or how to enroll.
How to Enroll
When you’re ready to enroll or make changes, visit http://www.workforcenow.adp.com/.
Documentation for Dependents
If you’re enrolling dependents, you may need to provide this documentation:
- Marriage certificate
- Birth or adoption certificate
If you’re enrolling in or increasing supplemental life and AD&D insurance coverage for yourself or dependents, you may need to provide Evidence of Insurability.
Additional Step for Recent New Hires
If you’re hired during Open Enrollment, you’ll need to enroll twice: first for the current plan year, then again for 2027.
What’s New and Changing in 2027
Plan Costs
2027 Medical Rates for Non-Exempt Staff
Cigna EPO
Employee Only: $116
Employee and Spouse/DP: $302
Employee and Children: $268
Employee and Family: $468
Cigna PPO
Employee Only: $152
Employee and Spouse/DP: $377
Employee and Children: $333
Employee and Family: $584
Cigna HDHP
Employee Only: $80
Employee and Spouse/DP: $227
Employee and Children: $202
Employee and Family: $350
Kaiser CA HMO
Employee Only: $116
Employee and Spouse/DP: $302
Employee and Children: $268
Employee and Family: $468
2027 Medical Rates for Exempt Staff & Non-Partner Attorneys
Cigna EPO
Employee Only: $168
Employee and Spouse/DP: $419
Employee and Children: $372
Employee and Family: $628
Cigna PPO
Employee Only: $198
Employee and Spouse/DP: $480
Employee and Children: $425
Employee and Family: $722
Cigna HDHP
Employee Only: $117
Employee and Spouse/DP: $311
Employee and Children: Contact HR for rate
Employee and Family: Contact HR for rate
Kaiser CA HMO
Employee Only: $168
Employee and Spouse/DP: $419
Employee and Children: $372
Employee and Family: $628
2027 Dental Rates
Delta Dental PPO Base
Employee Only: $8.31
Employee and Spouse/DP: $23.92
Employee and Children: $32.72
Employee and Family: $48.33
Delta Dental PPO Buy-Up
Employee Only: $15.23
Employee and Spouse/DP: $37.41
Employee and Children: $49.91
Employee and Family: $72.11
Delta Dental HMO
Employee Only: $4.14
Employee and Spouse/DP: $10.75
Employee and Children: $10.63
Employee and Family: $19.33
2027 Vision Rates
VSP Vision Base
Employee Only: $1.99
Employee and Spouse/DP: $4.38
Employee and Children: $4.52
Employee and Family: $8.50
VSP Vision Buy-Up
Employee Only: $5.37
Employee and Spouse/DP: $9.79
Employee and Children: $10.04
Employee and Family: $17.40
Contribution Limits
Flexible Spending Accounts (FSA)
In 2027, you can contribute up to:
- Health Care or Limited Purpose FSA – $3,500
- Dependent Care FSA – $7,500
Health Savings Account (HSA)
In 2027, you can contribute up to:
- Individual medical coverage: $4,500
- Family medical coverage: $9,000
The contribution from Clyde & Co. remains:
- Individual medical coverage: $1,000
- Family medical coverage: $2,000
Commuter Benefits
In 2027, you can contribute up to:
- Parking – $350
- Public Transportation – $350
What’s Changing for 2027
Cigna Medical
Fertility coverage: $25,000 lifetime maximum. Any balance already accrued will be reset effective January 1, 2027.
Cigna Medical HDHP
The deductible is $2,500 for self-only coverage, $3,500 for an individual within a family, and $5,000 for family coverage. The in-network out-of-pocket maximum is $5,000 for self-only coverage and $10,000 for family coverage; the out-of-network maximum is $8,000 for self-only coverage and $16,000 for family coverage. In-network coinsurance is 20%, and out-of-network coinsurance is 40%.
VSP Vision
Base plan frame and contact lens allowance increased to $150. Buy-up plan frame and contact lens allowance increased to $200.
Ready to enroll?
Before you enroll, see what’s new and changing for the next plan year. There may be changes that are important to you.
You have until 11:59 p.m. on November 20, 2026 to enroll or make changes. As a reminder, if you do nothing by the deadline, all your current benefits except FSAs will continue in 2027.