Open Enrollment
Open Enrollment for 2027 benefits is November 2nd – November 16th, 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?
Call 800-881-2562 if you have questions about your benefits or how to enroll.
How to Enroll
When you’re ready to enroll or make changes, visit Alight.
- To start the enrollment process, log in to MyApps and click on Benefits System.
- Click the blue Enroll Now button and verify your personal information.
- Once you reach the Summary of Your Benefit Elections page, click Take Me Through Each Benefit to select your 2027 benefits.
- Review your elections and submit.
- Review beneficiary information by hovering over your name in the top right corner and selecting Beneficiaries.
You will receive a confirmation statement of your 2027 benefit elections via email and regular mail at your home address shortly after enrolling.
If you add a dependent, you will be required to provide documentation certifying the eligibility of your dependents. Call the Dependent Verification Center at (800) 725-5810 or visit spectrumbrands.benefitsnow.com and click on Documentation Required for your dependents under To‐Do’s. You have 30 days from enrollment to verify your dependent(s) eligibility.
New employees must enroll within 30 days of becoming eligible. Benefits begin on your date of hire.
Existing employees can enroll during the annual open enrollment period.
If you miss the enrollment deadline, you’ll need to wait until the next open enrollment period, unless you experience a qualifying life event.
What’s New and Changing in 2027
Plan Costs
2027 Medical Plan Design
You pay the deductible and copayment. The coinsurance shows what you pay after the deductible has been met. All three medical plans are administered by Anthem Blue Cross Blue Shield. Pharmacy benefits are administered by CVS Caremark.
Plan name update: Gold HSA is now called Gold HSA – HDHP.
| Plan feature | Gold PPO Embedded deductible |
Gold HSA – HDHP Non-embedded deductible |
Silver PPO Embedded deductible |
|||
|---|---|---|---|---|---|---|
| In-Network | Out-of-Network | In-Network | Out-of-Network | In-Network | Out-of-Network | |
| General Plan Information | ||||||
| Deductible (Individual/Family) | $1,000 / $3,000 | $2,000 / $6,000 | $2,500 / $5,000 | $5,000 / $10,000 | $3,000 / $6,000 | $6,000 / $12,000 |
| Co-insurance | 20% | 40% | 20% | 50% | 20% | 50% |
| Out-of-Pocket Maximum | $3,000 / $9,000 | $6,000 / $18,000 | $3,400 / $6,800 | $6,800 / $13,600 | $3,000 / $10,000 | $5,000 / $20,000 |
| Employer HSA Contribution | N/A | Individual coverage: $500 ($125 per quarter) Family: $1,000 |
N/A | |||
| Professional Services | ||||||
| Preventive Care | $0 (ded. waived) |
40% | 20% | 50% | $0 (ded. waived) |
50% |
| Primary Care Visit | 20% (ded. waived) |
40% | 20% | 50% | $30 copay | 50% |
| Specialist Office Visit | 20% (ded. waived) |
40% | 20% | 50% | $60 copay | 50% |
| Telemedicine / Virtual Visit | 20% (ded. waived) |
N/A | 20% | N/A | $30 copay | N/A |
| Diagnostic, X-Ray, Lab | 20% | 40% | 20% | 50% | 20% | 50% |
| Hospital Services | ||||||
| Inpatient | 20% | 40% | 20% | 50% | 20% | 50% |
| Outpatient | 20% | 40% | 20% | 50% | 20% | 50% |
| Emergency Room and Urgent Care | ||||||
| Emergency Room | 20% (after in-network deductible) |
20% (after in-network deductible) |
$150 copay (first visit only) |
|||
| Urgent Care / Walk-in Clinic | $60 copay | 40% | 20% | 50% | $75 copay | 50% |
| Therapeutic Services | ||||||
| Chiropractic Care (30 visits per year) |
20% (ded. waived) |
40% | 20% | 50% | 20% | 50% |
| Acupuncture (up to $500 per year) |
20% (ded. waived) |
40% | 20% | 50% | 20% | 50% |
| Therapy (Physical, Occupational, Speech – 30 visits per year) |
20% (ded. waived) |
40% | 20% | 50% | 20% | 50% |
This chart is a summary of benefits. Plan provisions are governed by the Plan Document or specific contractual agreement.
2027 Medical Rates
2027 Non-Union Weekly Medical Rates (52 deductions)
| Plan | Employee Only | Employee + Spouse | Employee + Child(ren) | Family |
|---|---|---|---|---|
| Gold PPO | $89.89 | $128.36 | $99.82 | $178.48 |
| Gold HSA – HDHP | $35.75 | $89.19 | $86.14 | $119.55 |
| Silver PPO | $25.37 | $52.51 | $48.47 | $87.11 |
2027 Union Weekly Medical Rates (52 deductions)
| Plan | Employee Only | Employee + Spouse | Employee + Child(ren) | Family |
|---|---|---|---|---|
| Gold PPO | $58.66 | $125.74 | $97.78 | $174.83 |
| Gold HSA – HDHP | $35.02 | $84.43 | $65.76 | $117.10 |
| Silver PPO | $38.43 | $61.24 | $47.48 | $85.33 |
2027 Dental Rates
2027 Weekly Dental Rates
| Plan | Employee Only | Employee + Spouse/DP | Employee + Child(ren) | Employee + Family |
|---|---|---|---|---|
| PPO | $1.89 | $3.79 | $2.98 | $5.41 |
Contribution Limits
Flexible Spending Accounts (FSA)
In 2026, you can contribute up to:
- Health Care or Limited Purpose FSA – $100 minimum, $3,400 maximum
- Dependent Care FSA – $100 minimum, $7,500 maximum
*Limits are shown for 2026; 2027 limits can be used once they are posted by the IRS
Health Savings Account (HSA)
In 2026, you can contribute up to:
- Individual medical coverage – $4,500 per year
- Family medical coverage – $9,000 per year
The contribution from Spectrum Brands contributes the following amount to:
- Individual coverage – $500 ($125 per quarter)
- Family – $1,000
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 16th 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.