2027 Benefits Open Enrollment (open Nov 2-16)
Open Enrollment action items
Open enrollment is your annual opportunity to review your medical, dental, and flexible spending account benefits and make new choices for the upcoming benefits year which starts on January 1, 2027. You may choose to change from one medical or dental plan to another, add or remove dependents, or enroll in a flexible spending account.
The college will offer three medical plan options in the coming year, all through Kaiser. These options include a new qualified high-deductible health plan with a Health Savings Account (HSA). This new plan will become our "core" medical plan as of January 1, 2027.
Our dental plan coverage will not change. Please take the time to review the 2027 benefits guide linked below.
- 2027 benefits guide - plan information and cost
- What action do I need to take during open enrollment?
- Enrollment/change form (link will be live Nov 2-16)
- 2027 medical plan out of paycheck costs
- Additional Kaiser resources
- What if I want to waive coverage this year?
- How do I sign up for a flexible spending account?
- How can I get help with my benefits?
- What if I want to change my 403(b) retirement contribution?
- 2027 medical and dental summary plan documents
What action do I need to take during open enrollment?
Action is required during open enrollment to:
- Review medical plan changes
- Enroll/re-enroll in a health care or child care flexible spending account (FSA)
- Switch between our medical and/or dental plans
- Add, change or drop coverage for yourself and/or your dependents
- Waive medical coverage for the upcoming year (even if you have waived in previous years)
If you will be making any of these changes, complete this benefits enrollment form (closed) before 5 pm on November 16. Be sure to click the submit button once you make changes. Once finished, you will receive a confirmation email that your form has been received.
Considering making a change to your enrollment but unsure how it will impact your medical care? Kaiser has a dedicated concierge team to answer your questions. Contact them at:
503-813-1299 or 503-813-3613
kpconcierge-nw@kp.org
Out of paycheck cost
Kaiser core medical plan with HSA (new)
| Coverage | Total monthly cost | Reed paid monthly cost | Reed paid per pay period | Employee monthly cost | Employee paid per pay period |
| Employee | $750.50 | $750.50 | $325.25 | $0 | $0 |
| Employee +spouse/partner | $1,500.98 | $1,275.82 | $637.91 | $225.16 | $112.58 |
| Employee +child(ren) | $1,350.88 | $1,170.76 | $585.38 | $180.12 | $90.06 |
| Family* | $2,251.48 | $1,801.18 | $900.59 | $450.30 | $225.15 |
*Employees who have family coverage with the Kaiser Core plan will not be expected to contribute more than 9.5% of the full-time equivalent of their base salary/wage on the first date of the benefit plan year.
Kaiser traditional medical plan
| Coverage | Total monthly cost | Reed paid monthly cost | Reed paid per pay period | Employee monthly cost | Employee paid per pay period |
|
Employee |
$933.14 | $888.14 | $444.12 | $45.00 | $22.50 |
| Employee +spouse/partner | $1,866.28 | $1,446.36 | $723.18 | $419.92 | $209.96 |
| Employee +child(ren) | $1,679.65 | $1,334.39 | $667.20 | $345.26 | $172.63 |
| Family* | $2,799.42 | $2,006.24 | $1,003.13 | $793.18 | $396.59 |
Kaiser Dual Choice buy-up plan (closed to new enrollment)
| Coverage | Total monthly cost | Reed paid monthly cost | Reed paid per pay period | Employee monthly cost | Employee paid per pay period |
|
Employee |
$1,276.40 | $888.16 | $444.08 | $488.24 | $244.12 |
| Employee + spouse/partner | $2,752.78 | $1,446.36 | $723.18 | $1,306.42 | $653.21 |
| Employee + child(ren) | $2,477.50 | $1,334.38 | $667.19 | $1,143.12 | $571.56 |
| Family | $4,129.17 | $2,006.26 | $1,003.13 | $2,122.92 | $1,061.46 |
What if I want to waive coverage this year?
If you are eligible for Reed medical or dental insurance but are covered under a spouse or partner's policy, you may waive Reed's insurance. To waive insurance for the upcoming year, you will need to indicate this on the benefits open enrollment form .
Flexible Spending Accounts
Reed offers two types of flexible spending accounts, both of which enable you to set aside pre-tax dollars, decreasing your tax bill by decreasing your taxable income. Remember that you must re-enroll in FSA each year. The 2026 FSA Healthcare plan limit is $3,400 and the Dependent Care limit is $7,500. Once the IRS releases 2027 numbers we will update these numbers. To sign up to contribute in 2027, complete the benefits open enrollment form (closed) to choose your contribution amounts.
Important note: If you are enrolled in the Kaiser core medical plan with an Health Savings Account (HSA), you cannot also contribute to a heathcare Flexible Spending Account.
The maximum unused balance rollover for 2026 FSA healthcare plans is $680.
Do you have a current FSA account? Check your balance and manage your account by logging in to .
Learn more about the Allegiance FSA app for your mobile device and how you can upload receipts and request reimbursement instantly with this tool.
What if I want to change my 403(b) retirement contribution?
You are able to enroll in or make changes to your TIAA retirement plan contributions at any time.
If you wish to change the amount you contribute to your retirement account, and click on Manage Contributions on the top of your home screen.
Benefits Open Enrollment Events and Education
These sessions will focus on an overview of our new Kaiser Core plan with Health Savings Account (HSA) option with some reminder info included about our continuing Kaiser Traditional plans. Time for Q&A will be included.
- Wednesday, October 21 at noon: Eliot 103
- Thursday, October 22 at noon: Zoom
- Monday, October 26 at noon: Gray Campus Center, CD
- Tuesday, October 27 at noon: Zoom
If you need help and are unable to make one of the above sessions, please submit a ticket to AskHR or stop by the HR office in Eliot Hall 305
How do I access my benefits statement?
View your current benefits elections, including a list of your covered dependents by logging into .