2027 Benefits Open Enrollment for Regular Employees

The amount you pay when you receive medical care, including copays, deductibles, and the maximums you'll pay out of pocket during a plan year, will change for some plans in 2027. 

View 2027 Medical Plans

Health care costs continue to rise nationally, contributing to the cost of RIT’s medical plans for 2027. RIT will absorb most of the increase to help limit the impact on employees.

Medical plan costs will increase for employees in 2027. Your cost will depend on the plan you choose, who you cover, and your salary level.

To further limit the impact on employees, RIT is adjusting how premium costs are shared based on salary:

• Employees earning less than $200,000 will receive additional support toward their medical plan costs.
   
• A new salary level is being added for the highest-paid employees.

2027 Employee Benefit Rates

In 2027, RIT's Health Savings Account (HSA) contributions will increase for employees enrolled in the High-Deductible Health Plan (HDHP).

For full-time employees, RIT will contribute:

• $330 for individual coverage
• $660 for employee-plus-one or family coverage

RIT's contribution will be deposited in two installments: half in March and half in September.

Learn more about HSAs

Wegmans will discontinue their copay reduction in 2027. Employees can still fill prescriptions at Wegmans or use its home delivery service. Prescriptions filled at Wegmans follow the same copays as other participating pharmacies, giving employees the flexibility to choose where they fill their prescriptions.

Find a participating pharmacy

Beginning in 2027, GLP-1 medications prescribed for weight loss will no longer be covered under RIT's plan. Coverage will continue for GLP-1 medications prescribed for other covered diagnoses.

If you or a covered family member currently uses a GLP-1 medication for weight loss, talk with your health care provider about alternative options and manufacturer-sponsored programs that may be available, including LillyDirect, NovoCare, and TrumpRx.

A new Medicare support benefit is available through Brown & Brown, at no cost to employees. Whether you're navigating Medicare for yourself or helping a spouse, partner, or aging parent, Brown & Brown's licensed Medicare specialists can provide personalized guidance to help you understand your options while making informed coverage decisions. This benefit is available year-round, not just during Open Enrollment. 

Learn more

If you are enrolled in POS A, POS B or POS D, your plan covers routine eye exams with a copay. 

• You can visit any eye doctor, even if they are not a VSP provider, by showing your medical ID card. 
• After the exam, you may take your prescription to a VSP provider to purchase eyeglasses or contact lenses.
• Reminder: In-network providers are the most affordable option and help you get the best value from your plan.

The table below outlines in-network benefits by participating providers.

• You choose an annual contribution amount during open enrollment.
   
• Contributions are deducted from your paycheck before taxes.
   
• Funds can be used to pay for eligible expenses such as:
  • HCFSA: medical, dental, vision, and prescription costs not covered by insurance
  • DCFSA: daycare, preschool, and elder care for a tax dependent adult
     
• You can enroll in one or both accounts, depending on your needs (unless you enroll in the HDHP in which case you cannot contribute to a Health Care FSA).
   
• Use-it-or-lose it rule: Funds must be used within the plan year or they will be forfeited, in accordance with IRS regulations governing flexible spending accounts.

• Helps manage out-of-pocket health care and/or dependent care costs.
• Easy access to funds via reimbursement or direct payments.
• Tax savings by reducing your taxable income.

• Plan carefully: Accurately estimate your expenses. Any unused funds remaining after the grace period will be forfeited.
   
• Re-enrollment Required Each Year Your 2026 elections will not carry over into 2027. If you wish to participate in the HCFSA and/or DCFSA for 2027, you must actively enroll during the open enrollment period.

For 2027, the Dependent Care Flexible Spending Account contribution is $7,500 for individuals and married couples filing jointly, and $3,750 for those married filing separately.

• Supplemental, spouse/partner, child life, and AD&D coverage is optional and can be elected during open enrollment or qualifying life events.
   
• Coverage amounts vary and may require evidence of insurability, a health verification process.
   
• Employees can increase supplemental life coverage by up to one times their base pay without submitting evidence of insurability, as long as total coverage doesn’t exceed three times their base pay.
   
• Coverage increases beyond that or new elections for spouse or partner coverage require evidence of insurability.

Enroll or waive in Workday during Open Enrollment. Step-by-step instructions will be available when Open Enrollment begins.

Employees may enroll: 

• A spouse
• A domestic partner
• Eligible child(ren) up to age 26 

When adding a dependent in Workday, you must provide the required family member verification documents.

You must upload a notarized Affidavit of Domestic Partnership when adding your domestic partner as a dependent in Workday.

If your spouse’s or domestic partner’s employer holds open enrollment at a different time, you can enroll in RIT benefits and, if needed: 

• Switch to your spouse’s or domestic partner’s plan, or 
• Drop other coverage and switch to an RIT plan

Submit a Change Benefits request in Workday by Dec. 15, 2026 for Jan. 1, 2027 enrollment changes. Documentation showing the coverage change and its effective date is required.

Open Enrollment is a great time to confirm your life insurance and retirement plan beneficiaries. 

• Life Insurance: prudential.com/mybenefits 
• 403(b) Retirement Plan: Fidelity | TIAA

Learn about your benefit options and upcoming plan changes during a live Open Enrollment presentation. Human Resources will provide an overview of the enrollment process and answer questions to help you make informed decisions. Interpretation services have been requested.

Presentation recording will be loaded to Workday Learning for employee self-serve after virtual session.

Drop in during any session to ask questions about your benefits, coverage options, and the Open Enrollment process. Interpreting services have been requested for all sessions.

Schedule

Register in Workday
To view all available sessions and register, click Select Offering on the right side. 

View the 2027 Open Enrollment Newsletter, featuring key information about your benefits and enrollment process.

View the Newsletter > 

Compare your medical plan options, including coverage, costs and plan features. 

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