2027 Annual Enrollment

The 2027 annual enrollment period was held October 21 through November 4 and is now closed.

Any benefits changes made during annual enrollment will be effective January 1, 2027 and remain in effect throughout the 2027 calendar year unless you have a qualifying life event. However, if evidence of insurability (EOI) is pending for any life, accidental death and dismemberment (AD&D) or long-term disability (LTD) insurance as of January 1, that coverage will take effect upon the approval of EOI rather than on January 1.

Note: If you are a New York CBU staff member or Segal Marco CBU employee, you received separate information regarding annual enrollment and your benefits.

What’s changing for 2027

What you will pay in 2027

How to enroll

Resources

What’s changing for 2027

Contribution increases

While healthcare costs continue to rise nationally due to factors such as hospital pricing, specialty drugs, new treatments, provider billing practices and medical inflation, Segal continues to take steps to manage plan costs and help mitigate increases where possible. For 2027, contribution rates for the Aetna HDHP and Aetna PPO will increase by 6.5% on average. Segal will continue to absorb a larger share of the increase in our Aetna HDHP costs and will not pass the full cost increase on to employees.

Contributions for the other medical plans will increase as follows:

Aetna EPO in CA, DC, GA, NJ and NY: 46%
EmblemHealth HIP of NY: 9.2%
Kaiser Northern and Southern CA HMOs: 0.35%

Guardian dental rates will increase by 5.3–5.7% on average. There are no changes to contributions for vision, supplemental life, dependent life, accidental death and dismemberment (AD&D) and supplemental long-term disability (LTD) coverage.

Employees with HRA balances will see a $39 decrease in their accounts. If you still have an HRA balance as of January 1, 2027, it will be reduced by the annual account administration fee of $39. On each subsequent January 1, HRA account balances again will be reduced by the annual administration fee, so you should continue to spend down your account.

Increased HSA contribution limits

If you enroll in the Aetna HDHP with HSA medical plan, you can make pretax contributions to a Health Savings Account (HSA). The IRS HSA contribution limit is increasing to $4,500 for Employee Only coverage and $9,000 for Employee Plus One or Employee Plus Family coverage in 2027. If you are age 55 or older in 2027, you can make an additional $1,000 pretax catch-up contribution.

Increased FSA contribution limits

The Healthcare Flexible Spending Account (FSA) and Limited Purpose Healthcare FSA contribution limits are increasing to $3,400, with the ability to roll over up to 20% ($680) of unused funds from one year to the next.

Note: If you enroll in the Aetna HDHP with HSA medical plan or another HSA-compatible medical plan, you cannot make contributions to a Healthcare FSA. The Limited Purpose Healthcare FSA is for employees enrolled in the Aetna HDHP with HSA medical plan and is restricted to eligible dental and vision expenses only.

The Dependent Care FSA contribution limit will remain unchanged at $7,500.

Introducing LifeSpeak

We recently introduced LifeSpeak as part of our Stay Well at Segal well-being benefits. LifeSpeak offers practical, expert guidance on fitness, nutrition, stress management and overall wellness, including videos, articles, tip sheets, live expert webinars, interactive Q&A sessions and other resources through the LifeSpeak mobile app and web portal.

What you will pay in 2027

Medical coverage

Segal provides flex credits, determined by salary band, to help offset your cost for medical coverage. For eligible part-time employees, flex credits are prorated based on your scheduled hours.

Under $77,000

$77,000-$134,999

$135,000-$199,999

$200,000 and Above

2027 Monthly Medical Flex Credit

$424

$400

$376

$352

The charts below show how much you will pay for medical coverage each month in 2027 depending on your annual salary as of October 1, 2026, the plan you elect and the eligible dependents you cover. These amounts represent your actual monthly contribution after your Segal flex credits are deducted from the price tag.

When you log in to HRConnect, you’ll see your actual contribution (the price tag less the flex credit). On your paystub, you’ll see the pay-period price tag and the pay-period flex credits (all flex credits are added together on paystubs). The price tag less the flex credit equals your net out-of-pocket cost.

Aetna HDHP with HSA

Employee Only

Employee Plus One

Employee Plus Family

Salary Under $77,000

$68

$342

$764

Salary $77,000–$134,999

$92

$366

$788

Salary $135,000–$199,999

$116

$390

$812

Salary $200,000 and Above

$140

$414

$836

Aetna PPO

Employee Only

Employee Plus One

Employee Plus Family

Salary Under $77,000

$124

$475

$986

Salary $77,000–$134,999

$148

$499

$1,010

Salary $135,000–$199,999

$172

$523

$1,034

Salary $200,000 and Above

$196

$547

$1,058

Aetna EPO (CA, DC, GA, NJ and NY)

Employee Only

Employee Plus One

Employee Plus Family

Salary Under $77,000

$1,088

$4,340

$6,582

Salary $77,000–$134,999

$1,112

$4,364

$6,606

Salary $135,000–$199,999

$1,136

$4,388

$6,630

Salary $200,000 and Above

$1,160

$4,412

$6,654

EmblemHealth HIP of New York

Employee Only

Employee Plus One

Employee Plus Family

Salary Under $77,000

$467

$965

$1,789

Salary $77,000–$134,999

$491

$989

$1,813

Salary $135,000–$199,999

$515

$1,013

$1,837

Salary $200,000 and Above

$539

$1,037

$1,861

Kaiser (Northern and Southern California)

Employee Only

Employee Plus One

Employee Plus Family

Salary Under $77,000

$283

$650

$1,073

Salary $77,000–$134,999

$307

$674

$1,097

Salary $135,000–$199,999

$331

$698

$1,121

Salary $200,000 and Above

$355

$722

$1,145

Dental coverage

Segal provides flex credits, determined by salary band, to help offset your cost for dental coverage. For eligible part-time employees, flex credits are prorated based on your scheduled hours.

Under $77,000

$77,000-$134,999

$135,000-$199,999

$200,000 and Above

2027 Monthly Dental Flex Credit

$60

$57

$54

$51

The chart below shows how much you will pay for dental coverage each month in 2027 depending on your annual salary as of October 1, 2026 and the eligible dependents you cover. These amounts represent your actual monthly contribution after your Segal flex credits are deducted from the price tag.

Guardian Dental

Employee Only

Employee Plus One

Employee Plus Family

Salary Under $77,000

$22

$43

Salary $77,000–$134,999

$12

$25

$46

Salary $135,000–$199,999

$15

$28

$49

Salary $200,000 and Above

$18

$31

$52

Vision coverage

Segal does not provide flex credits for vision coverage. The charts below show how much you will pay for vision coverage each month depending on the plan you elect and the eligible dependents you cover.

Base Plan

Employee Only

Employee Plus One

Employee Plus Family

Monthly Payment

$13.77

$27.37

$44.00

Buy-Up Plan

Employee Only

Employee Plus One

Employee Plus Family

Monthly Payment

$22.10

$43.62

$69.96

How to enroll

Use the instructions below to enroll or view the Health and Insurance Enrollment Instructions Video for step-by-step instructions. (Note: You must be on the Segal network to view the video.)

1. Explore your options and understand your costs.

Take a moment to explore this benefits site and learn more about your Segal benefits. Think about your current elections and how your needs may change over the next year.

2. Enroll in core benefits through HRConnect.

Use HRConnect to enroll in and manage your medical, dental and vision coverage, HSA and FSA contributions, beneficiary designations and taxability elections. In addition, review and update your basic life and accidental death and dismemberment beneficiaries in HRConnect.

You can access HRConnect via My Apps. If you are not in a Segal office, you must be connected to Versa. Once in HRConnect, select Me, then Benefits, then Enroll Now to get started. You can make changes in HRConnect as many times as you want during the annual enrollment period. Once the annual enrollment period is over, you will not be able to make any new elections for January 1.

3. Enroll in supplemental insurance coverage through The Hartford.

Use The Hartford website to review and update supplemental life, dependent life, AD&D and supplemental disability coverage elections. You can also update your beneficiary information for supplemental coverage.

Your username for The Hartford is your Segal employee number. Your temporary password has been reset to your first and last initials followed by your date of birth in MMDDYYYY format. For example, John A. Doe born on June 16, 1995 would enter JD06161995 as his temporary password. If you have questions or need help, call 855-EZ-NROLL (855-396-7655) Monday–Friday, 8 am to 8 pm ET.

4. Save a record of your elections.

After you submit your elections in HRConnect and The Hartford, save or print your confirmations.

Important! You must complete your benefits review and take any required actions in HRConnect by 11:59 pm on November 4, 2026, based on the time zone set in your HRConnect preferences. Please make sure your time zone in HRConnect is set to your local time, so your ability to make annual enrollment elections does not end early because of an inaccurate time zone.

You must complete your review and take any required actions in The Hartford by 11:59 pm CT on November 4, 2026.

HRConnect Duplicate Dependents Elimination

If you have a dependent listed more than once in HRConnect, you will be able to eliminate the duplication as you make your annual enrollment elections.

When you launch enrollment, under Verify people you’d like to cover, edit any duplicate dependent by adding the word “test” to the end of their last name. The effective date for the edit must be the first day of annual enrollment (e.g., October 21, 2026 for January 1, 2027 enrollments). Then when enrolling, select only the dependents without “test” at the end of their last name for medical, dental and vision coverage, as well as for group life insurance beneficiaries. You must send a secure email to HR – Benefits to notify Human Resources you have made this change.

Your current enrollments through the end of the year may reflect dependents with “test” at the end of the name, but these last names will not be sent to the benefit carriers. Your enrollments for next year will show your dependent names properly, provided you have successfully completed this task.