Annual Open Enrollment for 2027 benefits is November 4 through November 16, 2026.
If you don’t enroll in or make changes to your benefits, your current benefits will continue in 2027, except flexible spending accounts (FSA) and health savings accounts (HSA) — these don’t automatically carry over to the next year, you must re-enroll every year.
Your next opportunity to change your benefit elections will be during next year’s open enrollment period, unless you experience a qualified life event.
For a quick overview of Open Enrollment and key actions to take, check out this video.
What’s New for 2027
PPO Medical Plan Updates
For 2027, we’re making a few updates to the BCBSIL PPO 500 and PPO 1500 plans:
- For the BCBSIL PPO 500 plan, the Primary Care Provider (PCP) office visit copay will change from $20 to $30, and the specialist copay will change from $40 to $50.
- The emergency room copay will change from $150 to $200 under both PPO plans.
2027 Medical Plan Comparison
| Plan Provisions | BCBSIL PPO 500 | BCBSIL PPO 1500 | BCBSIL HIGH DEDUCTIBLE HEALTH PLAN W/HSA |
|---|---|---|---|
| In-Network | In-Network | In-Network | |
| Annual Deductible (Individual/Family) | $500/$1,500 | $1,500/$4,500 | $3,500/$7,000 |
| Coinsurance | 20% | 20% | 20% |
| Out-of-Pocket Maximum (Includes Deductible) | $2,500/$7,500 | $3,500/$10,500 | $5,800/$7,350 |
| Preventive Care | No charge | No charge | No charge |
| Primary Care Provider Office Visit | $30 copay | $30 copay | Deductible + coinsurance |
| Specialist Office Visit | $50 copay | $50 copay | Deductible + coinsurance |
| X-Ray and Lab | $30 copay PCP $50 copay specialist |
$30 copay PCP $50 copay specialist |
Deductible + coinsurance |
| Inpatient Hospital Services | Deductible + coinsurance | Deductible + coinsurance | Deductible + coinsurance |
| Outpatient Hospital Services | Deductible + coinsurance | Deductible + coinsurance | Deductible + coinsurance |
| Urgent Care | Deductible + coinsurance | Deductible + coinsurance | Deductible + coinsurance |
| Emergency Room | $200 copay | $200 copay | Deductible + coinsurance |
Employee Contributions
Medical plan and prescription drug coverage will remain with BlueCross BlueShield of Illinois (BCBSIL) for 2027, with increases to premiums. Rates for all other plans, including dental and vision, will remain the same for 2027.
Note: If you cover a spouse who has the option to elect health insurance from their employer, a spousal surcharge of $100 per month will be added to your premium.
2027 Medical Premiums
| SEMI-MONTHLY COST | BCBSIL PPO 500 | BCBSIL PPO 1500 | BCBSIL HIGH DEDUCTIBLE HEALTH PLAN WITH HSA |
|---|---|---|---|
| Employee | $185.12 | $123.26 | $32.69 |
| Employee/Spouse | $674.52 | $555.14 | $277.65 |
| Employee/Children | $650.06 | $535.00 | $267.58 |
| Family | $1,003.04 | $825.51 | $412.88 |
If you work in Hawaii, view the 2027 Employee Contributions for the HMSA Medical Plans.
Contribution Limits
Health Savings Account (HSA)
In 2027, the maximum amount you can contribute to an HSA will increase to:
- $4,500 for individual coverage.
- $9,000 for family coverage.
Considering the BCBSIL High Deductible Health Plan with HSA for 2027? Watch this video to understand how an HSA can help you save now and in the future.
Flexible Spending Account (FSA)
The IRS has not yet announced the 2027 Health Care FSA contribution limit. The contribution limit may increase for 2027 and will be updated here once announced. In 2026, the maximum amount you can contribute to the Health Care FSA is $3,400.
Commuter Benefits
The IRS has not yet announced the 2027 Commuter Benefits Plan (CBP) contribution limits. Contribution limits may increase for 2027 and will be updated here once announced. In 2026, you can contribute and incur commuter expenses as follows:
- Mass Transit: $340 per month
- Parking: $340 per month
New Wellness Program Replacing Well onTarget
The Well onTarget program included with your BCBSIL medical plan will end on December 31, 2026, and will be replaced by GO Wellbeing, powered by Sharecare, beginning January 1, 2027.
GO Wellbeing is a digital health and wellness program that helps you:
- Access tools and tips to support your mind and body
- Take the RealAge Test and receive personalized recommendations to help improve your health
- Earn rewards for healthy activities, such as tracking sleep, connecting a wearable health device, learning about financial wellbeing and more
- Participate in challenges to stay motivated and meet your goals
Note: If you have earned Well onTarget points, be sure to redeem them by December 31, 2026. Any unused points will be forfeited when the program ends. If you’re enrolled in Well onTarget emails, you’ll receive reminder communications before the deadline.
How to Enroll
Pre-Enrollment Checklist
- Review the above information about what’s new for 2027.
- Confirm that your medical, dental and vision providers are in-network, or search for in-network options.
- Review your plan options to determine what’s right for you. Not sure what to choose? View some examples to help you decide.
- Decide whether to contribute to any applicable pre-tax savings accounts (HSA, Health Care FSA, Dependent Care FSA, Commuter Benefits) – and if so, how much to save each pay period.
Enroll on PPi Benefit Solutions
To enroll in the American Lung Association’s sponsored benefits, visit ppienroll.com and make your benefit elections by November 16, 2026.
First-time users must register using company key PPI.
Next Steps
You must provide the following to [email protected] by December 4, 2026:
- Spousal Surcharge Waiver Form if you enrolled your spouse in the medical plan or if your spouse will continue to be enrolled in the medical plan in 2027.
- Supporting documentation establishing dependent status relationship for any dependents you newly enrolled. This is not required if documentation for any dependent has already been submitted.
Not sure which plan to choose? Scroll through these examples:
